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Debt-free wannabe

Archives for February 2015

Arrow Global / Restons Solicitors??!!
Hi everyone Sorry I’m after another bit of help again! When we started our DMP in 2006, we had an MBNA credit card which was transferred to Arrow Global. This was then given a CCJ in December 2007. Since then the account has been running smoothly and the payment set by the CCJ has continued. Yesterday we received a letter…
Friday 27th Feb - What Small DFW-Style Things Will You Be Doing 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…
Locum or permanent job and Debt repayment
Hi two years ago I left a permanent job in the NHS and ventured into the world of the unknown - LOCUMING. Most of my friends and some of my extended family thought I was mad, giving up a permanent job and going into something that is not secure, with no assurance of a job plus no sick pay or holiday pay. At the time, I was…
debt letter advice
So I've recently been through my credit file using experian and noodle. I've paid all the debts off that appear on them. I have now received a letter from Simpson legal on behalf of SSL capital asking for £646 and if I pay early they will settle it for £129.30. The problem I have is this debt shows no where on any credit…
Owed money
I am owed money by a ex friend but cannot afford to live. I cannot afford the fees to use money claim online. I feel angry at myself for lending the money to him. I need the money but cannot do anything about it.
advice on old barclays debt
Like many other people on this website when I was younger I got into a lot of debt living out of my means. I was young, stupid and took out credit cards, overdrafts, loans etc for me and my childrens father (we split in 2007 ish). I had the debts in my name :( After we split I started college part time and therefore was on…
SOA - Veteran Cheapskate needs Fresh Ideas
Was laid off a while ago (for the 3rd time in the past 5 years):mad: and finding it very difficult to secure a new job. It's now past the point of just 'tiding over' until I get a job as the books just aren't balancing, our overdrafts are maxed out, and I have to accept that I may not be lucky enough to get a job in the…
I'm sick of running into the same rocks over and over again
Every single year I seem to get myself into a panicky situation where I'm really, really short of cash - like borrowing £400 from my brother to cover the mortgage and leccy - but then I get a little Christmas money, a little work bonus, a little overpayment repayed from the power people, and I get my head back above water…
Chased for a 10 year old debt uksearchltd
Hi any advise would be greatly appreciated. i received a letter around 3 weeks ago from a firm (uksearchlimited) saying they are contacting me for the repayment of a debt to a housing agency for the amount of £4600, the debt in question is from a house i rented over 10 years ago, i left the address around 2003 and took my…
Monument can't confirm what the balance was ... help please!
Hi I wonder if anyone could help? We entered our DMP in August 2006 and the end is in sight! On one of the debts (Monument credit card) we were able to make a successful PPI claim and the balance was cleared earlier than expected. We are now trying to locate the balance of the card in August 2007 to ensure that our…
Council PCN - Enforcement Stage
Sorry - wrong subsection.
Debt shifting advise needed
Hello everyone, I have just received some spare money and have several debts that I wish to clear but unsure as the best option for. My current bank balance is £6000 and I have a £3000 (15.43% EAR) overdraft facility bringing my total available to pay £9000 if I choose to use the OD facility Balances currtley on various…
Nightmares...
Hi Everyone, As my signature proudly declares, I became debt free at the beginning of the year. Since then though, I've been having nightmares...what if I've missed a debt? Since I got into debt, my circumstances have seen me move house three times, so if there was anything that I missed it's unlikely anyone will have my…
Paid off student loan
Sorry if this is the wrong place to post but I just had to share...... :beer:I've paid off my student loan:beer: So that's another £200 a month income. Can't beleive it. I keep having to pinch myself because it's something I never thought would happen!! :j Happy Days :T (that just leaves 0% credit cards left to pay off -…
Thursday 26 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…
please help.
Hi. I wonder if someone can help me . I'm on a DMP (Debt Management Plan) with Clear Start Money Management. all my creditors are being paid including moorcroft group. However Moorcroft have some how got hold of my mobile phone number. I have never ever given my number out to the likes of moorcroft. The only people who…
Very Mail Order - telephone call fee!!!
Hi I wonder if someone could help and apologies if this is the wrong forum. I have a Very catalogue account and pay on time every 4 weeks as normal. However my payments are made on standing order so one month I forgot to increase the standing order slightly when I ordered something extra, which resulted in an underpayment…
Advice needed please
Hi was just wondering if anyone could point me in the right direction in regards to a letter I received from Mortimer Clarke. I was sent a letter last October saying that I owed money and needed to make contact to avoid a claim being entered against me. I then sent out a cca request on October the 10th had proof and…
DMP plus IVA/Bankruptcy advice
We've been on a DMP for about 5-6 years now. At first we were paying nearly the full amount to the creditors (prior to going on the DMP) About 2.5 years ago we lost one of our wages and have lived on one wage ever since. Our disposable income didn't change as we reduced absolutely everything we could to the bare minimum.…
Bailiff Friday
Hi All, Just need a bit of re-assurance & direction. I got myself a HMCT fine for no car insurance (I know stupid & now rectified). I received a letter from Marston "Notice of Enforcement" 15/2/2015 with a demand for £620 (fine) & £75 (compliance stage fee) to be paid by 29/1/15. I called them straight away to say that I…

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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
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Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
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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
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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
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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.

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