Debt-free wannabe

Archives for May 2015

Debt Free Wannabe on Maternity
Hi, I first joined MSE way back in 2007 but this is my first post. I was an avid reader of threads until 2011 when I buried my head in the sand and just let my mismanagement of money get the better of me. Now with my second child on the way, maternity leave impending and the dream of being able to return to work part-time…
Debt in someone elses name - Car finance
Hi all. Can someone point me in the right direction here? My brother has poor credit so, stupidly, my sister agreed to take out finance for a car for him. The car broke down and the part (a turbo) wasn't covered in the warranty. He got it replaced twice and it kept breaking so he eventually part-exchanged the car and…
CCJ Help!!
Hi everyone Il keep short and to the point with this one! I was making regular payments with a DCA and they were not adjusting the balance of the debt to reflect the payments I made over a 7 month period. The debt was then passed to another DCA who then passed the debt onto a solicitors who auctioned a CCJ against me. I…
Need some advise.
I had a debt I didn't acknowledge and was coming up to 6 years of the default. Credit expert have now taken it upon them self's to contact the debt collection company about the default with out my knowledge or permission will this affect the limitation act which would make the debtstatute barred ?
Earnings Arrestment Schedule (form 30)
Hi all, My partner has just received a letter titled 'Form 30 earnings Arrestment schedule (intimation to debtor)' through the post. It's relating to council tax debt from '03 and '04. This is the first he's heard of this, nothing relating to these debts has been seen before. There's no addresses or anything to show what…
Sat/Sun 30th/31st May - What Small DFW 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…
Council tax problem! Help!!
Hi there, I lived in a house between July and October 2014 and i always paid the council tax. From October till February 2015 i've been in another country and as I thought i will not return in UK i closed my account. In February I've went back to england but i had no job till beginning of march. I returned in the same…
Council tax bill from 4 years ago
Hi, Today I recieved a letter out of the blue from Coventry council relating to a property we rented for a short time in early 2011. I'm able to pay in full but unsure if we are responsible for the bill. I found it rather threatening considering this is the first correspondence I have recieved regarding this. The letter…
Inspiration
Hi everyone, I've been an on-and-off member of MSE for a number of years, and when my motivation is high I can pay off some quantities of my HUGE personal debt. Unfortunately, I slip very easily into bad habits. I have been in debt for as long as I can remember since going to Uni nearly 20 years ago, and I am very good at…
DF Before Children
Hey There... I have come to these forums mainly for motivation... Little back story and finance.. I am one of these people who 'Save' and what I mean by 'Save' is I put money in my savings account and then the little gremlins come and steal it. I have been trying to save since I have started working - it was going well…
Sick of being in debt - is there a way out?
Due to living way beyond my means and taking out lines of credit for absolutely no reason many years ago, I find myself on the wrong side of 30, stuck in a world of repayments. My total debt was approx £13k. A mix of overdrafts, store cards and credit cards. When the minimum payments got to be more than my income I looked…
Budget Spreadsheet
Can anyone recommend a good budget spreadsheet that I can use for my monthly finances? Thanks in advance.
Thank You
I would just like to post a message to thanks to all the helpful posters on this forum 4 years ago I had my "Light bulb moment" with almost 40k worth of debt, as of today I have 6 months left until my debt free debt. and it has just dipped to under 2000 In particular Sourcrates, Rizla King and Happybunny86 as well as quite…
Debt, dmps and options
Hello First post so be gentle. In a nutshell I'm struggling with debt (mainly credit cards) and not sure of what to do. Quick background my girlfriend ( now wife) and I had our first child quite young. She was still doing her masters and I was only a trainee accountants wage. So slowly but surely we've racked up debts. We…
Being chased for a debt that is not mine
I started receiving letters from a debt collection company shortly after registering myself as a company director. The letters are addressed to me but the debt is not mine. At the time I was in the process of applying for some business related memberships and was concerned that in the process of chasing the debt the…
Pay 1 or bit of both - but with overdraft consideration
Originally posted on another section and it was suggest I post it here, apologies but I am yet unable to post links. Afternoon, I’m looking for a bit of advice if I may please. My credit rating is very poor due to various circumstances a few years ago but after many years of struggling I’m finally (yay!) in a position to…
Welcome F&F OFFER
I am looking to clear a welcome finance secured loan on my property... I have offered 20% they want 65%.. First stumbling block.. They are saying they are willing to look at it if I send in a Mortgage statement, income and expenditure and all other debts I have.. Should I send them this. They wont tell me why they want it
DCA Advice
A friend has asked me for some advice on an issue with a DCA. I've had my problems in the past and have overcome them but I don't know how to answer this one for them. It relates to a debt from an old credit card that has been sold on to a DCA; my friend is struggling to remember the details of the debt as she had a number…
!Friday 29 May 2015, what small dfw stuff 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…
DMP and missing accounts from Experian
Hi I went on to DMP with step change about 6 months ago. Recently I checked my credit rating with Experian and three of the five accounts seem to be missing from my report, or showing zero when there is debt still pending. Would this be a result of some of the accounts going default. I don't think any of these have been…

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Debt-free wannabe

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