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Hello I think i already know the answer....
But would like some impartial advise if somebody could help. I have written on here before about debt when pregnant - a while ago - unfortunately that pregnancy wasn't to be but i quickly fell again :j and I'm due to go on maternity leave in a couple of weeks. I have worked out our budget for the year and it is going to be…
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The anxiety is already dissipating.
After speaking with people on here we decided to not go with a DMP and just juggle the debts around to get them paid off, could do that within a few years. However it all came to a head when OH said how unhappy he was, he didn't like not having any money blah blah. He asked for £30 pocket money a month which I couldn't see…
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In a bit of a mess!
Hello everyone Got myself in a bit of a pickle over bills and debts. Long term relationship breakdown, health issues and lack of control has led me to be in a very difficult position. But, I am now feeling better and able to deal with things. I am in a new relationship and want to get myself sorted asap. I have never done…
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Robinson Way outstanding debt
Hi All, I was contacted by Robinson Way regarding A shopacheck loan dating back almost 14 years ago. I have since moved address (12 years ago) and Lived at my current address for 11 years. Around 4 months ago I received a letter asking me to contact Robinson Way for an outstanding debt they hold on file, no other info was…
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Help with DMP/Second Charge Decision
Good morning everyone After reading this site and all the helpful advice for a long time, I thought it a good chance to post my own predicament. For background, my house is worth £250,000 (minimum valuation), I have a mortgage of £87,000, a second charge of £60,000 and credit card/loan debts totalling £28,000 which have…
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Wednesday 11 February - 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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Removing Second Charge on property
Hi - I will be paying off a loan secured against my property and wondered if I needed to instruct a solicitor to remove the second charge. Does anyone know??? Thanks in advance. NYD (I don't know where to post this for it to be most relevant so have posted on a few threads).
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Being chased (again!) by student finance 5 years after my degree ended
I really don't know what to do anymore I did my PGCE and as I was a single mum at the time, I received grants from student finance which don't have to be paid back It all sounds great, but ever since I completed by PGCE I am hounded at least every 6 months by them telling me I owe them different amounts for 'grant…
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Rebuilding my credit with a new credit card
My credit score was destroyed because a few years ago I had a shared letterbox and drug dealing neighbour, had giros stolen, any birthday or christmas card etc. I had mobile phones or sim onlys with every network destroying my score, I never got it sorted really and my score was destroyed. Been getting letters through the…
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Facing up... A call with step change tomorrow
Hi all, I am new to this site and hoping you can offer some support/advice. After leaving my ex husband in August 2014 I am not ready to face up to the mess of debt I have gotten myself in. I am not proud and made some silky mistakes but want to get on the right foot and get sorted. I have a call with step change tomorrow…
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No way out?
I am in a situation where I really can't see any improvement for the next 8 years until I retire.I am a 58 year old widow with one son still living at home.I was made redundant from a 30 hr a week cleaning job 3 years ago and have been unable to find another job.Anyone who knows the cleaning industry knows most are only…
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Overpayment or loan
I am getting towards the end of my mortgage. My mortgage is only £4624 at 2.5%. Should I get a 36 month personal loan (£150 x36) or overpay by the same amount or a little more?
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New bank account, not linked to my current one help
Hi all, My husband is completely useless with money, has loans, overdrafts and direct debits all over the place and keeps getting sky high bank charges every month which deplete his already low salary to the point where bills don't get paid and more charges follow. He has asked me to help him clean up his act before he…
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Throw every penny at debt or save in small pots?
Hi all, I'm suddenly having a dilemma. Since aug I have thrown every penny at my debts. I have cleared one card, am about to clear my kitchen loan this month and have the last part of my divorce to pay for. As a consequence I have not been saving anything at all. I have read on various posts that I should be saving for…
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Help and advice appreciated
Hi all, i'm just about ok (ish) with money and tend to live month to month. I appreciate that I'm in a better position than many on here, however one of my new year resolutions was to just manage my money better. I have completed an SOA which i feel is about right. Here it is, i have posted some questions at the bottom. A…
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BT and debt collection agency
Hello, I moved house in June 2014 and prior to my move I arranged BT to move my broadband over to my new address and cancel the service at my existing address. Unbeknownst to me the house I was moving to had a business broadband line and a few days after moving to the new property BT informed me that they would be unable…
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Settlement figure help!
Hi all i am after some advice hope someone can advise. I bought a car on finance in Dec 2014, took out finance with the company, used my old car as part ex, ive decided to get rid of the car now so wish for a settlement figure and it seems way too high. can someone advise if it seems right, i have worked out an excel…
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Paying bills weekly
Hi Really not sure about this but as don't know if things will improve so I'm thinking I'm at the point when I need to arrange my utilities weekly does anyone know if the energy companies and council for council tax allow you to pay on weekly terms and why, do you lose the direct debit option (is it coz it costs more to…
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New house - When to apply for card
We've just bought our first home, we moved in on the 14th Jan this year. We've got 5K of debt on a barclaycard and need to move it to a 0% balance transfer card. How long should we leave it before we apply for the card? I've requested our names to be added to the electoral roll, this apparently will happen on the 1st…
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Feel cheated by Nationwide Credit Card Services
Long story short, my wife and I are in a significant amount of debt as previously mentioned on here and we have written to all but one creditor, explaining our situation and asking for their assistance. The one creditor we haven't written to is Nationwide and this is because I have a credit card with them that is on 0%…
