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Gym membership & Daniel Silverman
Hi, Not 100% sure I am posting in the correct place...me and my bf left a gym last October. I sent an email to cancel and never received a reply so cancelled the DD. It was a 1 month jobby, no 12 month contract. So that was all fine, never heard anything from the gym. This week we've both been sent a letter from DS saying…
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Another default found
Me and my partner are just looking at his credit report on Equifax (already checked Experian) All is fine except a default showing with Virgin Mobile. It changes from green to red in August 2012, so presume it has been in default since then. The entry says: Status; In Arrears Current balance; £275 Default/Delinquent…
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Just wondering what you would do.....????
Hi all you Debt-free Wannabe wonderful people! I have paid £21,000 off my cruel credit card debt in the last 2.5 years. Only thanks to Martin and all of you, so thanks a million :T:T:T:T:T. I was completely financially illiterate :o . I have £7,000 left to go and it is all on 0% interest :D . All being well, I can easily…
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What do you do, when your sad about your debt?
I'm just curious. Maybe its this and a combo of the weather, but I'm feeling quite sad today, when I feel like I have no money, because I'm paying so much to my debts, and don't feel like they are going down :(
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My Debt
I'm finally starting to sort my life out (well, until the next change in life throws me out of sync) Started last month with £8100 Now have £6,827 The end is coming!! I will finally get to start my life again when it's done. See if I make the same mistakes!! Just wanted to tell someone :)
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CCJ and inheritance
Hi hope someone can help, my husband has a CCJ in his name he pays a regular amount each month as agreed. I am due to receive an inheritance can the company collecting his debt take my money to pay off his debt.
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Thursday 14th May - 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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Can't sleep- not sure what to do next
So here goes, currently I'm wide awake panicking how we are going to pay all our bills, put food on the table and generally live atm, my husband is self employed but his work took a nose dive and currently he subs out to another firm and they pay him a day rate- which is a lot less than he use to be earning- anyway to cut…
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Phone debt!
Help needed! 6 years ago a guy phoned my husband offering him a business phone. He said he'd think about it and the next day a parcel came which I signed for at the door and when he opened it, it was a phone. I took it straight down to the post office and sent it to the address on the letter 1st class recorded. A month…
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Can anyone help?
Hi, Just after a bit of help. Husband was self-employed but has had no work since end of March. Since then we have applied for benefits and have found out we are not entitled to anything apart from child benefit. Not sure how we can survive on my wage only. Debts already on payment plans as his business was struggling…
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F&F Nationwide Credit Card and Capquest
Hey Guys, Iv been considering offering 2 of my creditors a full and final settlement offer. I owe £847 on my Nationwide credit card and £1246 to Capquest (was a littlewoods account). I was hoping to offer Nationwide £500 and Capquest £850 Does anyone have any experience dealing with these 2 companies in this field? Anyone…
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Payplan Review suggested a secured loan
I have been with Payplan for 4 years and have just under a year left on the dmp, as I .owe £5500. I had the annual review with them yesterday and I was surprised when the Payplan agent advised me that going forward a secured loan would be best for me, as it would reduce my monthly debt repayments. I have lots of equity in…
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Vanquis won't set up a repayment plan
Hi, i am after some advise, I have been on a self managed DMP since november 2013. I have recently lost a couple of hours a week and this has affected the amount I can repay my creditors. I have always been good at letting them know my circumstances change and amending any repayment as necessary. I have 10 creditors in…
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really struggling to stay motivated to pay off debt
Hi everyone, This is my first post, I have been looking around the forum for the last couple of months and now feel brave enough to post lol! I had a light bulb moment 2-3 months ago and have really changed my ways. I owed over 10k probably nearer 11k if im totally honest. I have 2 kids and only worked a few lunchtime…
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Arrestment of wages - Scotland
Hi there I've just checked my bank account and I have a £25 court fee, I had no idea what this was. I called my bank they said Hitachi finance went to court and they can now arrest my wages, I knew about the court date but I couldn't attend. I've received no paperwork at all after the court case, I wasn't pre warned about…
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Is it better to clear a high-interest credit card first or a low fixed term loan?
I think I know the answer but my minimum balance on the credit card is below £20 at present (I pay £50pcm of a £750 balance) whereby my loan is £260pcm of £8,585. I also have two bonuses this month and next in the £800-£1,000 range. Any thoughts? PS: This is the only major debt minus a student loan from 2006.
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Computeach. Help, Please!
Hello all, Back in 2009/10 I was suckered into signing up for some computeach courses. I initially wanted to do just an entry level one, but a salesman came round and before I knew it I was signed up for a lot more at a huge cost. The courses were financed by BPF. I was on low wages at the time and told the salesman that I…
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Renting
I'm probably going to move out before my house sells. All the places I've seen on right move require approx £1800 deposit. Do you usually have to pay a months rent in advance too?
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advice needed please
Hi, I have £16000 in credit card debt at present i have it spread it over 3 cc cards all at 0% i am paying £290 a month in total all minimum payments, when one 0% deal ends i change it to another cc but then of course i am paying a balance transfer fee, am i better off keeping as Im going or taking out a loan to pay it all…
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Paying off debts with Stepchange agreements
Hi My Brother has several debts for which he has agreed payments to creditors through Step Change. He now has some spare money and is thinking about making offers to these companies for less than the balances outstanding in the hope that they'd prefer to get their money now rather than in £5 monthly instalments for the…
