We'd like to remind Forumites to please avoid political debate on the Forum... Read More » This is to keep it a safe and useful space for MoneySaving discussions. Threads that are - or become - political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.

We're aware that some users are experiencing technical issues which the team are working to resolve. See the Community Noticeboard for more info. Thank you for your patience.

📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

Debt-free wannabe

Archives for February 2015

How do you do it?
I was about to post a current SOA but I thought "what's the point.. I know where I can/need to save". It makes me think.. why can't I seem to be able to stick to budgets? Must admit, alcohol is a bit of a soft spot this end :( How do you guys stick to your budget? Will power? Barriers? What?
Self-employed with budding CIC business, business/private debt - Payplan options
Hello, I'm back... *feeble wave* :o I shall catch you up on what happened in the last 3 and 1/2 years later, but right now I am looking for input and advice from people in a similar situation. I am self employed and have built up my small business from two-weekly sessions in my dining room to a small shop which I rent…
Sat 27/2 and Sun 1/3 What DFW-style things will you be doing this weekend?
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…
Help!! Check my SOA
This is also on thread "New Member" [tt]Statement of Affairs and Personal Balance Sheet Household Information Number of adults in household........... 1 Number of children in household......... 0 Number of cars owned.................... 1 Monthly Income Details Monthly income after tax................ 1250 Partners monthly…
Do I close my credit card account?
I have been trying to repair my credit file, and got a Vanquis card at a stupid APR, I used it for petrol and then cleared it so it never got a large balance, however they kept upping the limit to £3.5k. I have now got a Barclaycard with a slightly better APR which I will use instead, my question is what do I do with the…
New member
Is it possible to post my income and outgoings to get advice?
Shopitize
Hello, So i wont go into the history here bt i have come clean as to my hidden debts and how they were resolved and shown them YNAB, Shopitize and all the other good work that I have been doing. They commented that they had seen me change behaviour to money and so i think this and the new regime thats been put in place…
Can the bank do anything? TPP Question
Hey guys, Quick question, I have a TPP going with stepchange, 1 of my debts for 750 overdraft with natwest, Can natwest actually do anything like bailiffs which a TPP is going? Im not worried as stepchange have said ignore the letters but I am just curious? My bank account has dissapeared now guessing its closed.
Debt Collector chasing paid debt
I couldn't find the appropriate forum for this, so i apologise if this is the wrong location. I owed some money to the local council when they decided a previously "voluntary" scheme was being turned into compulsary for local businesses. I was disputing the fact that I hadn't agreed to join the compulsary scheme, and…
£2,027.88 debt shock with Vodafone! Please help!
Hi guys. I sincerely hope this is the right thread, I've tried searching this kind of thing and cant find it on the forum and ive also tried looking for the most appropriate place to post...I believe this is it. Basically. I set a direct debit up while taking out my contract with Vodafone over the phone (during the…
Defaults - want to do either token payment or F&F
Hi, am hoping someone can help me with a couple of questions. I have looked through the forums for the last week or so and think i now have an understanding of defaults; I have 3 defaults: Arrow Global - £912 default date Feb 2010 MKDP - £777 default date May 2011 Capital 1 - £3401 default date Dec 2012 I have never…
At my wits end.. Help
Hey guys! Right basically I need some advice I currently have a TPP going with stepchange they have been amazing because I got into serious trouble in november I lost my job and was left with 7K debt hanging over my head.. The debt is due to me being too nice and saying yes to various people.. yes yes i know.. However I…
Barclaycard letter section 87
Hi, we have been in a DMP for 16 months or so now. Al creditors have been ok with plan. Today we have had a letter from BC asking to bring account up to date within 14 days and quoting section 87. Is this a standard letter before we get defaulted. Thanks to anyone who knows xx
The best way to settle debt in full
Hi, My partner has an outstanding debt with a debt collection agency being enforced by a CCJ. We now have the money to pay this off. What's the best way to engage them? I suspect its not going to be ring them up and pay over the phone with my card. Do people advise doing a Full & Final Settlement letter for the full…
SOA (copied from diary)
:hello: I've quoted my SOA from my diary (to save retyping/reformatting) to see if anyone has advice -- realised posting in this subforum might be a better option after posting in the diary thread :doh:
potential for CCJ
So am just starting out with a DMP and am wondering - what are the chances of a creditor refusing to accept the payment and going down the CCJ route. If I am made bankrupt, take out a IVA or have a CCJ made against me I will lose my job so am very concerned about any of the three happening. Of course if I lose my job, no…
SOA. Childcare fees and want to save for a house!
Hi everyone Next week is my last week at home before I return to work after maternity leave. Really want to move in a few years time, Id be grateful if anyone would take a look at my SOA below and suggest ways I can trim it down? Thank you Statement of Affairs and Personal Balance Sheet Household Information Number of…
Refusing to accept payment
Hi, Can a debt collection company legally refuse my offer of payment in full. It's my wife's debt of 1300 I want pay it in full with a credit card but they have refused to accept payment from her? Any Advice much appreciated many thanks
Lee @ Vodafone - please reas
Further to our conversation, I have received a CCJ form from Reston solicitors even though I was under the impression the account with Cabot and Marlin would be put on hold, after our discussion. I have lodged complaints with Cabot and Marlin re: the way the account has been handled. Please could you advise on whether you…
Father's debt
My dad's dementia has worsened dramatically since he had major surgery on his heart. I now have POA and am trying to sort out his Finances. He has debts of £7000 and the interest on these debts are £150 per month. He has no savings and could only make a token payment if left to himself. I have been paying £360 per month…

★ ★ ★ Meet your Ambassadors

Confirm your email address to Create Threads and Reply

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.

View All

Debt-free wannabe

Confirm your email address to Create Threads and Reply

🚀 Getting Started

Is this how you want to be seen?

Get our FREE Weekly email full of deals & guides - and it’s spam-free

Debt-free wannabe

Discussion List

Confirm your email address to Create Threads and Reply

🚀 Getting Started

Is this how you want to be seen?

Get our FREE Weekly email full of deals & guides - and it’s spam-free