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Taking control of your Finances
How well do you manage your finances? kindly provide tips
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Debt Free
After 9 years on a debt management plan and living on practically nothing, I am finally going to be debt free NEXT WEEK! I just want to shout it from the roof tops! I have often visited this site, never been confident enough to post. The only person who knows the extent of my debt is my partner - who was brilliant…
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Able to rapidly increase my DFD!!
After a couple of crap years seeing me go through 2 redundancies and my OH being laid off I have been slogging through 6K of debt via Stepchange at 80 a month - been in place since last summer on my salary then. I have been in a new job since September and its seeing me in another 11K a year salary which is brilliant. I…
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Cabot chasing me for debt that isn't mine
Hope this is the right place to post this. I live in rented accommodation and since I moved in have been receiving letters for I guess a previous Tennant. Anyway, after always returning to sender as marked "gone away" i started taking a note of what was coming in via any envelope markings. I noticed a few were repeats so…
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Barclaycard AP instead of Default
Hi I am in a DMP and owe Barclaycard £200 now. I have been on a DMP since 2009. I called Barclaycard this evening as the account was showing as AP instead of a default like the rest of my accounts. They initially advised it was on default but called back in 10mins to advise they had intended to but never did. As a gesture…
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Cabot financial chasing me for someone else's debt
Hope this is the right place to post this. I live in rented accommodation and since I moved in have been receiving letters for I guess a previous Tennant. Anyway, after always returning to sender as marked "gone away" i started taking a note of what was coming in via any envelope markings. I noticed a few were repeats so…
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Does anyone have a contact number for NCO Europe please
My husband has a credit card debt with NCO Europe, but as he was having a "head in the sand" time of it, he has got no paperwork at all. He has paid over £2,500 so far, but has no idea the size of the debt at the start of his payments, nor what he owes now. He has googled, but not had any success in finding a number that…
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Please help!
I recently joined an escorting website to make extra money but I ended up leaving as it really wasn't for me. However before I left, I asked a gentleman to lend me money. He said he would but that in return he wanted to see me this weekend and repeatedly over the next few months and that I was to leave the site for six…
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To all those going through bankruptcy or working up to it
Hello I have not been active on this site for years, but Six/Seven years ago I had to go bankrupt with 50k of debt...I used this site for support and guidance and it was fantastic. Right now I do not owe anyone anything, in fact my wife and I have 4k of savings and live well. This site helped take that burden and worry…
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earn free money
hi does anyone still do surveys etc through top cash onepoll and if so which are the best cash back sites to use......need to pay off this debt sooner ;)
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Tuesday 18 November - 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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Which choice
Just something I've been thinking about. If you had £500 a month spare after bare minimum expenses (ie living really frugally) and your debt repayments came to say £490 would you.... Maintain all minimum payments trying to pay off debts without defaulting, but literally living on the breadline (not getting behind with…
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Tax credits 2014
Hi every one help and advice please,just received my tax credits final notice for last year. Along with no longer qualifying this year,because my earnings have gone past the threshold for claiming which is good, I have now been presented with past years over payments 2011, £919.32. 2012, £713.32. Total £1631.64. Over…
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Soa
Incorrect details
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Falsified Payments
Hello, I was hoping to get some advice about a debt that I believe is statute barred. I am clear on the last time I made payments to that account and it is over 8 years now. However the Agency pursuing the debt has sent me 'proof' that i was making regular payments. Some of these payments overlap a period when I was…
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Offering partial full and final settlement.
Wonder if I can pick someone's brains please. A friend of ours has been in a lot of debt trouble and has recently had to sell his house. This has left him with a small amount of capital. He plans to contact his debtors and try to get them to take a partial offer of payment. He has written to one of them (who he has been…
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Old Barclaycard and Interest
Deleted post.
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DMP top up or sharesave help
Hi I'm hoping someone can help me with my question. I am currently on a DMP and have just been promoted (so will have additional income every month). My company offers a sharesave scheme, which means that you can invest in the company every month at a discounted rate e.g. current share price is £3.00 but we've been given…
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Reminder to all "Sealed pot Challenge" members
Hi everyone, IT IS THAT that time of year again!! :j Count up day started on the 27th November, so the time for counting up your cash is here so PLEASE declare ASAP Whether it's a little or a lot, it's money YOU SAVED that would otherwise quite possibly have been spent...so, be so very proud of it!!! :T Please, when the…
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Help needed quickly
Dear all, I am in a bit of a pickle and getting very worried. Please let me explain. I am self employed and earn around £400 per week. I have amassed debts which now stand as follows. Sainsburys loan £14500 outstanding, Lloyds CC £1400, Barclaycard £4000, Natwest CC £1400. The credit cards are interest free at present and…
