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Debt-free wannabe
Archives for February 2016
Discussion List
Soa Help
Im not sure if I have done this right! Household Information Number of adults in household........... 2 Number of children in household......... 2 Number of cars owned.................... 1 Monthly Income Details Monthly income after tax................ 850 Partners monthly income after tax....... 1400…
Full and final settlements
Hello Please could someone give me a little advice on what partially settled means in reference to my credit rating and how long it would take for my credit rating to improve. A little back story i lost my job a few years ago same time as being a new father and first time home buyer. My income was £900 a month my outgoings…
Which 0%?
Hoping someone can give me some advice on this; currently I have only one debt which is a CC with NatWest at 6.9%. Have just opened a plus 5 account at Lloyds and they've preapproved me for a CC with them at 20 months 0% then reverting to 18.9%, also have preapproval for MBNA at 40 months 0% then 6.9% thereafter, which is…
Credit Card or Overdraft?
Hello all, I am moving into a reasonably good financial position, with a well-paid job (pushing £45,000 pa) and extra income from freelancing work. I should thus be able to move out of long-standing credit card and overdraft debts, which while not large are not small either (in the region of 1,500 each), during the course…
Capquest Question...Capquestion
Hi everyone, Been reading on this forum for a while, now something's come up that's made me need to post and ask some advice. My partner's mum received a letter from Capquest a few days ago saying they had bought her 18k(!) debt from HBOS and she needs to call them to arrange a settlement. The main problem with that is…
Monday 1st Feb - 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…
Should I Bother To Pay Debt In This Scenario
I have defaults but I live with my parents... My credit rating is still going to suck even if I pay them off so what's the point... They can send me letters or phone calls but these are ignored anyway... All the debt has been sold off to debt collectors for peanuts... I am looking for no new credit and will not require any…
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