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debt-free diary books?
Anyone know of any books that are a bit like a "debt free diary" in novel form please? For a friend, have recommended this website of course, and Kath Kelly, How I lived for a year on a pound. TIA
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The Observer is looking for case studies for an article
Deleted to avoid duplication
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Tuesday 28 October - What small DFW things will you do today?
When we start out on the DFW 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 progress, when…
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DMP ..stepchange
Hi I started a DMP with step change on Oct 1st payment made I pay stepchange £257 a month for 6 debts..today I got a default notice letter off the post office credit card demanding £104 or it will go to a debt collection agency ..if I pay it today it won't .what do I do as I cannot afford to pay a extra amount of money…
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Making full and final offers. Any help please?
I am so so sick of this credit card debt around my neck that I would like to make f&f offers to my creditors but don't know where to start! Does anyone have a template letter I could look at please? Also, none of the debts have been sold on to agencies - they are all still with the banks and cc companies - does that…
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At wits end
4 years ago i made a mistake and was a guarantor to a lone..I did not fully understand the consequences... I then got made redundant , reported the fact to the loan company who were unmoving....I have now got work and but I only have 60% of my former income and as going through a divorce i have just 1 income ...as my…
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wonga loan - what should i do?
Hi all, I've got a quick question that hopefully someone can help answer. I have recently finished paying back a repayment plan with Wonga over the past 7 months. Obviously they were happy for me to pay it back like this rather than not at all. I was in a mess before i borrowed the money and stupidly did it anyway. My…
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Moorcroft Debt/ EE
Hello everyone this is my first post asking for advice so any reply's would be greatly appreciated. I lost my job a few months ago and fell behind on my Phone contract with EE i was in arrears with them for around £200 and the payment planned they offered for me to get back on track was £50 a week which i couldn't afford.…
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Question for those of you who had your Wonga loan wiped
Hi, Any of you that were included in the number of people who recently had their Wonga loans wiped out, has Wonga removed any defaults against you as well? My loan wasn't in the amount included and I believe that it should've been so I'm sending them a complaint. However, I want to know if I should ask them to remove the…
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Wonga default removed
Hi all, just wanted to share some brilliant news with you all- in September I was checking my credit file and realised that I had a default from wonga despite constantly being in contact with them re my situation- I wrote a letter of complaint and they have today come back and said after investigating my complaint- they…
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Chased for 24 year old poll tax arrears
Hello, I wonder if anyone can help\advise me. In December 2012 Liverpool City Council sent me a bill for unpaid poll tax (community charge) from 1990. I remember that in 1990, I went to a solicitor, whom worked out exactly how much I owed. I contacted the solicitors in question, in 2012, but they said that they would never…
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MKDP & Welcome Finance
Hi all, I'm just looking for a bit of advice. In March 2013 my husband received a letter from a company called MKDP chasing a debt for £2700.00, neither of us knew who this company were so called them to question. We was told it related to a debt originally taken out with Welcome Finance in March 2006. We asked for some…
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Lowell phone calls constantly
Lowell keep harassing me for a debt I definitely do not owe or have any knowledge of, I have checked my credit reports in case it was fraud and nothing comes up either. They phoned and my husband answered and passed me the phone and said press one, and it ended the call. Since I have non stop calls waking us up at all…
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Monday 27th October - What small DFW things will you do today?
When we start out on the DFW 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 progress, when…
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Debt, no idea where to start
If you haven’t already, join the forum to reply! [threadbanner]box[/threadbanner] Hey guys, So I recently graduated from University and I've found myself in a little bit of financial trouble. I got a student debit card, and credit card from the HSBC when I started University and now I have outstanding debt with them,…
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Change signature
How can I add my signature please? Thank you
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Can someone help with SpeedCredit
Hello, I have been looking at this site quite alot now and i am confused. I was with a company Harrington Brooks who were dealing with my debt, but i did use to get contacted by SpeedCredit, Marshall Hores, Norther Debt Recover etc and whatever other name they took. But i havent in a while and i havent been able to ring…
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Windfall - pay off debt or buy car?
Morning all Hope you enjoyed the extra hour in bed. I would be grateful for your advice. I get £350 per month car allowance, I usually lease a car, which works out £370 per month all in. However I do go over the allocated mileage and have to pay a fine. I will have some money available to me and when I have to give back my…
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Ynab
Just a quick question! Does anyone know if there are any voucher codes or deals for YNAB? my free trial runs out tomorrow and I want to buy it! Thanks
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Settling old defaults
Ok they are about 5 years old, I was ill(insert un-needed sob story) I'm getting paranoid about ccj before 6 years and also in case some companies have policies which look at your entire history. I want to clear these debts. Is it possible to have them settled in full but to pay less? I read this interesting article here.…
