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Advice - repaying overpaid wages?
Hi everyone, I left my old company as it became necessary that I move house. Unfortunately they paid me for the month after I left and I didn't notice (my old landlord owed me money, I assumed the money came from him, yes I know I was stupid). I got a letter saying I had to repay £900. I got in touch with them and agreed…
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1 down 2 to go
Just seen another thread I can post this to :-)
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Long time lurker first time posting diary or no diary???
Hi I've been a lurker for many years and even more so the last 2 weeks !! Currently in a lot off debt and been on a dmp for 7 years and currently have at least another 15 years left (with a fee paying company) have thought about moving but the company I'm with are quite good and my financial situation is complicated a d…
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Need help with money
I have never been good with money but now I am "slightly" more grown up and want to save towards a mortgage deposit, I need to get myself sorted out. I am 27 and earn just over £22k p/a. I have one credit card with £650 on it and one store account with £160 on it. I also have a loan with £6k remaining over 2.5 years at…
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Debt Help
Hi guys I'm a mid-20s guy living in London on a salary of £33,000. My takehome pay after various different deductions (tax, NI,student loan, company season ticket loan etc) is approximately £1600. My credit rating is 'very poor' and I have the following debts: Student overdraft - £2700 (fees of c.£54 per month as…
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what COULDN'T you give up on your DF Journey
Hi everyone. Just been sitting here thinking - as one does, and realised that even though I THINK I'm understanding and sympathetic, I still find myself being unjustly judgemental when DFW's say they can't do without things. Just wondered what if anything you good folks couldn't sacrifice - even though you knew you should.…
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Need help No motivation
Thought I would join today - have been reading MSE for few years know how to search for cheaper car/house insurance, gas/electric etc. 0% credit cards never late with payments. But cannot get DH on board - he know we are in a financial mess but cannot stop spending on unnecessary items. As he keeps spending it makes me…
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Off topic sorry, please delete.
Hi there, I am very sorry if I am posting this in the wrong forum and to be honest I don't even know if its money related at all but it smells awfully like debt collectors to me. I have been getting calls from 0115 837 7562 every day last week, I am always cautious of numbers that I don't recognise and I have let it go to…
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Agreed to settle with Moorcroft and now they've disappeared
Hi I agree a settlement figure of £410 on a £460 account (not much but far better in my pocket than theirs), my only request was a letter stating that the account was closed and that neither they nor anyone else would ever chase me for the remaining 50. A letter eventually arrived and said 'neither we nor our client will…
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EDF debt question please help.
Hi everyone, So I'm a n00bie. Ever since me and my ex broke up I've been doing VERY well with my debts infact I'm paying back everything....well until now. Yesterday I got letter through the door about my old house electric bill. I owe them about £200 now it ins't a lot and I could prob pay it off fairly quick....IF I had…
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Tuesday 25th March - What small DFW things will you do today?
When we start out on the Debt-Free Wannabe trail we do loads of big "stuff" that makes quite a difference to our situation. These include having our lightbulb moment, cutting up the credit cards and cancelling Sky and the Gym. But once we have done the bigger stuff, we often feel that we are not making the same amount of…
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help! i dont know what to do!
Hi guys I'm new to this forum, signed up after receiving a worrying letter from a bailliff company. A few years ago I used to travel frequently on the Tyne and wear metro system without a ticket, clocked up loads of fines through the magistrates court and just kind of avoided them with being on benefits at the time. (Not…
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Once A Debt Is Statute Barred....
Once a debt is statute barred (ie more than 6 years have passed on an unsecured debt and you have neither paid nor acknowledged the debt)...what can be done to reclaim the money if a creditor or DCA track you down?
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tried but turned down at first hurdle! help!
We own our house through the Scottish shared ownership scheme. We own 80% on a relatively low 94.5k mortgage. I have just come back off maternity leave and be have debts. We thought oh job would be higher paid (offshore work) but he has not made above base. We are paying out about £350 a month in minimum payments on just…
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Settlement offers on DMP
Hi all, I have been on a DMP through Step Change for 5 years, it started on about £18,000, now owing £11,572. I currently pay £154 per month. I may be able to borrow some money from family so am thinking about full and final settlement offers. The creditors and amounts I owe are as follows: Moorgate - £504 DMP agreement…
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Step Change Debt Management Plan
Hi, this is just a question I'm asking more so out of curiosity, and also for some comfort knowing other people have gone through what I am now about to start. I'm just about to enter into a Debt Management Plan with Step Change. I admit, I'd never heard of them until recently. When I spoke to them on the phone about what…
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Daily Mail article about Channel 5 debt programme
There's an article in Mail Online about a new C5 programme on debt tonight, featuring a woman who borrowed £500 to pay for Christmas. http://www.dailymail.co.uk/femail/article-2588129/I-borrowed-500-ended-paying-100-000-How-ruthless-loan-sharks-destroyed-one-mothers-life.html And as an advanced warning, Christmas will be…
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Wife built up credit card debt without my knowledge
Hi, 2 days ago I found out my wife had built up around £13,000 of debt - I wasn't best pleased to say the least. Anyway I paid off a few of cards and shop cards (maybe a bad idea) and still left with £8500 debt and now I have no money in my accounts now to pay any more debt off for her. Anyway one of the cards she had was…
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Experiences with Virgin/MBNA & Barclays offers of reduced payment
These two are my creditors and while I sort out my DMP with Stepchange just wantd to hear your good or horror stories when dealing with these two with reduced offers and DMP stuff etc..? Thanks
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Where to start? SOA
Myself and my husband have a lot of debt. And we are now at the point where its going up each month. We have a lot of credit available but have reached the point where we can only just about cover the essentials and bills, and by essentials I'm talking basic food and nothing else. Problem is that if there is just a tiny…
