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Debt-free wannabe

Archives for June 2016

Argos card - Failed DD
Hello everyone, I have had an Argos account for many years ( last in use around 18 months ago ) where my payments were being made by Direct Debit until the balance was cleared. Around Christmas time I purchased an item using the Argos store card and since the interest period passed my first payment was due out on the…
Marstons
Hi guys sorry if posted in wrong bit - after a bit of advice, my son has been a bit of an a-hole and we don't see that much of him. He owes court fines and recently we had a visit from Marstons at our address - I gave them short shrift as he doesn't live with us and I have no idea where he is living. We do have contact…
Wage Arrestment - still an active court order once the debt is cleared
Hi there, I had a wage arrestment for outstanding council tax put in place after a long period of battling against liability. I eventually gave in and let the arrestment continue. I called the sheriff officers every few months just to check the remaining balance. In May I was informed that there was a grand total of £7…
Overdraft Fee Takes You Into Unarranged Overdraft - More Fees
Hi, My brother has got into the situation I describe in the subject. He went into his unarranged overdraft, he then got himself out. But then fees have then pushed him back in, and now he has been charged more fees. He is under the impression this isn't allowed (I don't share this view, I thought if they've given you…
Newbie
Hi all - I've been a member for a long time, but haven't been on the forums for a while. This is my first time on the DFW forum! I'm 32, work full time and have a small SE business too (which barely makes profit but I enjoy it!) I live with my OH, we rent. I personally have about £10,000 credit card debt, OH has about the…
Tuesday 28th June - 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…
Step change and Barclaycard refused offer
Hi, We haven't long been on our DMP.....we've had a letter from Stepchange informing us that Barclaycard have refused their offer. Has anyone had same experience and what happened as I'm a bit worried what will now happen. Many thanks in advance.
New - Eeeeekkk!
Lurked as a visitor for a while and have had my light bulb moment. I have 12 months to get my ex off the mortgage, I'm a single mum and I'm in a shed load of debt! I cant even tell you how I got so much on a credit card like that. The interest is £200 a month alone. I've done an action plan of getting my debt down to 15k…
Debt I don't owe.
I have a big problem that I'm trying to find help with.... basically I have an attachment of earnings on my pay for a debt of 16k that I don't owe.. cut a long story short I divorced my ex back in 2004 as she committed major credit card and benefit fraud for which she was convicted off. She also admitted and was found…
Urgent help needed - warrant of control
Hi all, I have a payment arrangement set up with Lowell. It's a fairly new arrangement, I've made one payment on it so far, and the next payment is due on the 1st July. I haven't defaulted on this arrangement. Today I came home to find a warrant of control has been issued against me for this account as they said I have…
Debt + deposit best route?
So only a couple of weeks ago I was contemplating a DMP but since I've got a new job with signing bonus which enables me to bring my debt back under control and with this job paying significantly more, I want to truly get my deposit under control properly which leads me to wonder which is the best route to go about it.…
letter regarding very old ccj
Hi, this is my first post so please be gentle. Received a letter from Mortimer Clarke, re a ccj from 2010 or before, not quite sure how old. They ask for payment within 14 days, or call and offer a reduced settlement. Is this something we can ignore, or should we be concerned. I have a photo of the letter, but don't know…
Debt advice moving towards applying for a mortgage
Hi there My wife and I have £25k of debt with loans, credit cards and car. We have well paid jobs and are currently living with the parents. We would like to save for a deposit which would take 12 months. Our predicament started today when we went to the bank for a consolidation loan and they offered us a 2tk loan for half…
need to get on top of things!!! (duplicate post - on Mortgages also help reqd plz
Hi there folks, I'm hoping some of you kind people can offer a little bit of advice. After a very ropey, probably 5-6 years, having to take drastic step to tackle debt problem after selling business in the middle of recession, we are coming out the other side. During this difficult period we had to convert our mortgage…
How much Buffer should you have?
Hi peeps I was wondering how much financial 'buffer' one should accrue for emergencies? I'm hoping to have a little spare income soon and while I'd love to overpay my mortgage, I am also aware that it is useful to have a little stashed away in case of emergencies (such as career change etc). How much does everyone think is…
Wright Hassall - POPLA Stayed Appeal?
LOL, wrong forum :-)
Solicitor wants to no wher money came from before Clearing Debt but wont tell me why
So today i had a phone conversation with Mortimer Clarke Solicitors acting on behalf of Cabot finance for a credit card i owed money on my DD had cancelled so to get up to date i needed to pay £150 leaving £210 left on my debt i offered to pay the whole balance today with my bank debit card. they wanted to know where i got…
Monday 27th June - 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…
Ccj
Hello - I hope I am posting this is in the right place. I have received a CCJ judgement for £4K for an old credit card bill (that was originally £2k but has been passed around several debt collecting agencies). I knew the debt was around but hadn't head about it for a couple of years and wasn't even sure who had now bought…
Come into some money, but dont know what to do with it........
Hi all, I have recently inherited some money following my mum passing away last year, and now I am not sure what to do with it. I have a number of options to consider. I have a mortgage of roughly £235,000 which still has 34 years to run, so I am thinking of paying some of this off. With my current mortgage deal I can only…

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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
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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
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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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