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Credit free Christmas
Well, financially I'm up the creek and am currently making token payments via Stepchange... I'm dreading the review in August as i will no longer received tax credits so income will go down. Anyway I've realised that although this Christmas was very tight, my kids and I had everything we NEEDED (not wanted) and we had a…
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How does big companies give credit to someone with no income?
Hi guys I'm a bit new here so apologies if this come across wrong. My ex partner has just rang me saying argos re sending the baillifts round unless she pays the interest on her account. I just payed it and found out she owes them £380. No biggie as I will pay this. But then she tells me she owes santander £350 and a pay…
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Budgeting/debt apps
I don't own a computer, so YNAB isn't really right for me I don't think, but can anyone recommend any apps they use to keep an eye on debt figures/budgeting?
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Thursday 7th January - 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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Time to sort it out!
Hi there, been struggling with debt for best part of ten years. Been paying around £800 per month on debts for eight years but in worse situation now that then. Been in denial for a while but can't keep it going any longer. Have just over £40000 of credit card debts, bank loan and overdraft. Contacted debt line and just…
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Civil Bill Ejectment for Overholding and Arrears - Northern Ireland specific
Hi I've debated whether to post this here, renting or NI board and i really can't decide which is right i'm in such a fluster :o . Someone close to me has been issued one of these due to rent arrears. As far as I understand there were arrears already which have been made worse by his workplace not filling in a statement of…
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Dont know what to do....
Hi all. Not been on here for ages but on a DMP for a year nearly and alls going well. Till xmas. Its now the 6th Jan and I have £40 in my bank to last me till pay day. And still have over £300 dds to come out plus food shopping and petrol...etc. I really don't know what to do. I definitely don't want to take out a pay day…
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Debt after death
I am looking for a bit of advice please. I am helping a friend with her finances following the very recent death of her husband. I want to check my understanding of what happens to certain debts after death. My friend and late husband own the property they live in. There is a small mortgage and a larger secured loan…
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Default Status on Credit File
Hi. I previously had an account with Marbles which I know defaulted between September 2009 and May 2010, as did all the other credit card accounts I used to have. The account should either now not be on my credit file with Experian or be due to be removed in the next 4 months at worst. However, the company who took the…
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Pay off debt or save?
I am *expecting* a big windfall in the Lotto rollover, if I win £50million should I pay off my credit card which is on 0 per cent until the end of the year or stick it in an easy access savings account until then? :wink: :wink:
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CCJ - After 6 Years?
Hi All, About 6-7 years ago I ran into financial difficulties and as well as a DMP, ended up with a CCJ and Charging Order for the largest debt. This was granted in February 2010, so hits 6 years next month. I've now paid off the DMP and ~60% of this debt, and will continue to pay it until its settled - which will take…
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Just want to be Debt Free..
Hi All, I've been a long term reader and only just thought of signing up as I am in drastic need of help. I'm only 22 and I feel like I have debt which no one my age should have. I mistakenly took a Pay Day loan when I was younger and just ignored paying it back, massing massive issues. I owe money left right and center,…
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So now what do I do next
Hi All First thanks to all the replies I got for my earlier post about Full and Final settlement. I had written to all the creditors with the standard National Debt Helpline letter. I just had about 17% to offer on all loans and credit cards all together of 26K. I thought that by the time thy write back to me I may be able…
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How to stay out of debt...?
I know it's suggested that you do a budget based on your SOA / last 6 months spending, but I've just worked mine out and my god. :eek: I do *not* under any circumstances want to carry on spending that amount of money on the things I do! So should I just base my budget on what I do want to spend? The problem areas and…
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Having a bit of a flap
Sorry to moan to you guys, I'm not sure who else to rant to right now haha. I'm a self-funded post grad student and while I was saving up I was in the habit of putting money on my credit card and paying it off again. I got a bit stupid with it (will never be able to stop kicking myself now that I'm in a stress about it!)…
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Weds 6th Jan - 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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how much time to be debt free
Hello all, after just separating from my partner last month, i want to be debt free as soon as possible. Income around £2000 per month. debts, £8500 credit card, £5400 0% for 30 month on a Barclacard paltinum £7500 loan 1, of which 7200 is outstanding on 16.9% £2500 loan 2, of which 2100 is outstanding on 16.9% monthly…
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Consolidating CC Debt
Hi I have amounted balances on 2 credit cards, currently: £2,909.67 with Barclaycard and £2952.36 with First Direct. Both presently on 0% deals. My FD 0% deal is going to run out first and I was thinking then I would take advantage of another 0% BC deal (they send me them monthly) and transfer the remaining balance onto…
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Can't take much more
Hi everyone, me and my partner moved to Durham late 2014, we landed some jobs with a care company working zero hours, we got as many hours as they could throw at is and money just was not a problem, we splashed out and as my credit rating was excellent was able to get a nice car on cheap finance. Towards the middle of 2015…
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Attitude of OH to debt
A bit of advice please everyone! I'll start with explaining our situation. I've been with my husband for 8 years. We both brought individual debts into the marriage and have since made some very stupid financial decisions, coupled with living beyond our means. This has resulted in significant debt. He's given me complete…
