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Debt-free wannabe

Archives for March 2014

CAB - Payday lenders fail to keep promises to treat customers fairly
http://www.citizensadvice.org.uk/index/campaigns/current_campaigns/paydayloans.htm
Advice on SOA pls
I would appreciate everybodys help with my budget. Ok this is not exact as im typing while watching the widower!! But maybe its a start. Income after tax £1376 In household 1 adult 1 child Monthly outgoings Mortgage £223 Building/contents insurance £43 Car insurance £53.31 Tv licence £12 Water £24 Gas/elec jointly £75…
facing the music
Good evening everyone. I have been reading all the great posts for the last week and have been making some changes to our lives. My partner left suddenly 2 weeks ago following nearly 10 years together. I have 2 children (15 and 19 , not his) He was the high earner and paid the majority of the household bills, i used to pay…
After PPI Claim
Is it possible to back claim on the employment protection or legal fees covered in PPI that I had in place if i have successfully won a mis sold claim or where they paid out for a missold PPI claim as a gesture of good will? Not sure if I can back claim anyway but it has been suggested that if i had this insurance with PPI…
My Weaknesses and how to address them
I have just sat down and gone through our monthly spend, to see where more can be trimmed and despite trimming over £440 of our arrears over the last month, I have noticed 3 massive weaknesses I have.. 1. Food! We overspend monthly on our food budget, we have a reasonably good food budget of an average of £80 per week for…
Best and cheapest way to borrow 22k?
7 years ago i purchased a property and took out a loan alongside the mortgage. Im now selling the property and will still be left with 22k loan.... (unfortunately not making any profit) Because i will no longer have a mortgage, the interest is going to jump from 5% to 12% :( so, i need to either take out a loan or spread…
Collectia ( Notice of ditress warrent)
Hello ive just been back to my old address to find 2 letters from this company. one form the 5 march and a notice of attendance letter dated 27 march. I haven't lived at the address for 4 months now and only went back to check if I had a letter from my local hospital as Im yet to receive my results from an mri scan Any way…
OMG! Can anyone help?
I'm being sued by a firm for some spurious amount of money they claim I owe them. I received a County Court Summons from them via the CCMC in Northampton. I returned the Defence form stating that I do not owe the company any money. I then received a Directions form which I must return by next week. However, yesterday I…
Money advice service free credit check with equifax not working.
hi all, just to let you know if you're trying to get your free credit report with Equifax with the money advice service promotional code 4357 this is not working. supposed to be available to the sixth of april, I have my noddle account and Experian statutory report but would have been nice to get the hat trick.
What should I do ? suggestions
Hi all , I currently can't decide what to do , I have made some really silly decisions in the past couple of years that's made me rack up some debt. which I am desperately trying to pay off as quick as I can. I had many debts but I've managed to get it just down to the one now. which is : Balance left : £12798.52 Payment :…
Tried shuffling and 0% - no joy :(
Hi all, So I've got some debt after going back into education, and I'm really concerned about the credit card debt in particular. One card, Vanquis, just doesn't seem to be shifting down, so I tried contacting all of my card providers to ask for reduced interest, or a reshuffle, and they all said no. I can do the minimum…
Nationwide Credit Card
I have an unsecured debt with nationwide credit card and am in an arrangement to pay. However, it looks like are saying if i dont pay they will action a CCJ and and do a charging order against my property. Does this happen or is this a scare tactic?
Transfer of debt - Moorcroft Debt Recovery
I am on debt management with Stepchange and have made regular payments each month through Stepchange. My debt with Argos was handed over to FRS to which we moved our payments to them. I have now received a letter from Moorcroft Debt Recovery Limited with a £12 charge for their letter. I have telephoned them and they say…
Debt, repayment and mortgage
As a result of my debts of about £6k, I was declined a mortgage policy ion for my first home. But the debt management companies have advised that it is better to settle debts in full rather thn getting the discount if one wanted to pay off the debt. Please advice, I want to clear the debts in the next 4months nod hopefully…
DMP and Barclaycard
Hi Received some Barclaycard statements today and tomoro is my first DMP payment. Barclaycard have accepted the reduced payment but are still charging 3% per annum interest? I have 4 cards with Barclaycard so the total amount added up makes Barclaycard the biggest owed creditor. The interest will be about £1000 a year…
Barclays' new overdraft charges - will be 10 times what I'm paying now
I got the info pack in today about the new overdraft charges Barclays are bringing in from 16th June. I currently pay interest on my £250 overdraft limit (I'm always using it, I vary between -£240 and -£100). At the new rate I'll be paying 75p per day, which adds up to £23.25 per month. I'm usually paying around £2.35 a…
Debt Release Direct - Fee Reclaim - service not used???
Hi A few years ago I was in serious debt due to a number of reasons and sought help from a debt management company to negotiate payments with my creditors. I paid a fee of over £2.5K to get this set-up before I lost my job and couldn't afford to make the payments. Fortunately, my circumstances have improved, but it still…
Back to prime
This is a thank you to all the very helpful posters on this site. I was in financial turmoil 7 years ago. So the 6 year period has now passed & due to advice on who uses Who and selecting who I applied to for credit I have finally got back to Main stream banking and credit. Done the vanquis and aqua steps for a year mobile…
DMP start up in progress - "odd" letters received
Hi everyone, once again a huge thank you for all the help and support so far. I'm in the "limbo" stage of starting out with my DMP. Almost everything has missed the full minimum payment now (token payments made and letters sent with step change details). Until now I've not missed any minimums. As of today I've heard from 3…
Das set up help please
Hi I finally bit the bullet and plied for a das to stepchange on 23 January 2014. I have 18000 worth of debt. It seems to take ages to set up the das. I had my final checkpoint call on 10 march and still not heard anything from them. I am constantly getting hassle from creditors am I'm getting scared as my blondes are just…

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MSE News

Ofgem proposes new 'no standing charge' Price Cap – but Martin Lewis warns vulnerable customers need to be opted in or it won't work
Ofgem has today launched detailed proposals for a major shake up to its Energy Price Cap that dictates the price over 80% of homes in England, Scotland and Wales pay for their energy bills.
Lloyds, Halifax and Bank of Scotland to cut overdraft rates for millions but hike them for others – here's what's happening and full help
If you're a Lloyds, Halifax or Bank of Scotland current account holder, the interest rate you're charged for using your overdraft could change soon as part of a fees shake-up. The Lloyds Banking Group, which owns all three brands, says millions of its customers will pay less after the changes – but a "few" will pay more.
Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
Around 2.7 million more low-income households, including 900,000 families with children, will become eligible for the £150 Warm Home Discount this winter, as the Government has confirmed it will remove the existing 'hard to heat' eligibility criteria. The extension has only been confirmed for winter 2025/26, with further changes possible for future years.
Martin Lewis: At last a chance to fix Council Tax flaws impacting millions – debt collection, difficulty challenging your band, discounts and more
Major flaws in the Council Tax system in England could finally be fixed in future, as the Government has launched a wide-ranging consultation to review hideous debt collection practices, the difficulty of challenging your band, the overly complex and horribly-named Severe Mental Impairment discount and more. MoneySavingExpert.com founder Martin Lewis, who has long campaigned on these issues, shares his response and analysis.
Energy complaints to be dealt with more quickly and Energy Ombudsman to get new powers under Government plans
If you have a complaint about your energy firm, it may be resolved more quickly in future, as the Government has announced a raft of proposals to strengthen consumer protections in the energy market. The planned changes include giving the Energy Ombudsman new powers to force firms to comply with its decisions – but it's still very early days. Here's what we know so far.
Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
Around 2.7 million more households, including 900,000 families with children, will become eligible for the £150 Warm Home Discount this winter, as the Government has confirmed it will remove the existing 'hard to heat' eligibility criteria. The extension has only been confirmed for winter 2025/26, with further changes possible for future years.
Base rate held at 4.25% – here's what it means and when it might be cut next
The Bank of England has held the base rate at 4.25%. Below we explain why, when it might be cut, plus what it means for your mortgage and savings.
Applied for South West Trains 'boundary fares' compensation? Act now to claim it
If you applied for compensation from South West Trains before the deadline in January 2025, you now need to provide your bank details to the claim administrator so it can be paid to you. Here's what you need to know.
Winter Fuel Payments to be reinstated for millions – Martin Lewis explains how it'll work, what it means and if it's an improvement
All State Pensioners in England and Wales will receive a Winter Fuel Payment this winter, though those who earn over £35,000 will see it clawed back through the tax system. It means nine million pensioners will get the £200 or £300 top-up. Here MoneySavingExpert.com founder Martin Lewis shares his instant response and analysis, and we include answers to your key questions.

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