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Debt-free wannabe

Archives for July 2016

Improving my credit file
evening all i owe rbs £1900. have done for a while. for the last 5 years its been flagged as default every month. I really want to improve my credit file. If i was to pay this off on monday, what is likely to happen to my file? is the damage already done? will is start to recover in the months ahead? thanks.
Just applied for DRO
Hi there. I'm very new and needing some advice! I've just faced realities and called step change for a DRO. My debts are over £12000 from stupid choices and poor decisions. The advice I got was to ring all my creditors and tell them my situation and offer a token £1 payment in thr mean time while the DRO is being set up.…
Sat 30th/ Sun 31st July - 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…
Advice Required - about to lose Job, how to manage debts
Hello, I have been informed that I am very likely to lose my job in the next few weeks and worryingly, I havent been paid for work in July - no one I work with has - the company is close to going bust. My big concern is - and I am panicing a lot tonight having started looking at my debts - while I can manage employed, I…
To sell the car or not
Hi, I've just started a diary but wanted people's opinions. We have a lot of debt and could potentially sell our car for approx 9k but we would need a car as the car we would be selling is the only one we have. We have had this car since new therefore know the history etc. Do you think we should sell it and clear circa £5k…
Help with Lowell financial.
Hello, I'm hoping someone can advise me. I've got 3 old debts (which amount to approx £7000 in total) with Lloyds which were accrued around the period 2004-2005 when I was in a really bad relationship. I know they chased me for the money in the past and I did make some repayments and corresponded with various debt…
Santander Northampton County Court
Hi everyone, About 2 years ago I had a car on finance and some payments were missed which resulted in action being taken requesting I give the car back. I agreed to give the car back and it was recovered and the driver said now I've given the car back it would be up to sandander if they want to pursue any remaining debt…
Help! Restons Solicitors
I had myself in a bit of bother when i had my son and got CC which in the end couldn't pay and landed myself in a small debt it has been transferred to Res tons Solicitors and have declined my offer of £20 a month repayment and want £75.00 of a £540 debt they are threatening action if i refuse this, what can i do I don't…
Mum and sisters debt help.
Hi, I am in an awkward position and need help. My mum has recently told me that she gave my sister permission to open a couple of catalogues in my mums name and address, my sister has poor credit, however, my mum is now getting loads of reminder letters and has tried to help my sister out by paying some of these each…
Question about shifting car finance
Hi hope noone minds me posting this. I currently have a car on finance which has 3 years left before I pay a lump sum. Im not 100% sure what the interest rate is, I can do some digging on that later. I think my outstanding balance at the moment is about £11500. When the 3 years was up I planned to pay the lump sum and to…
Friday 29th July - 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…
Eventus Plus Debt WORRIED
Hi I don't know if I am in the right place or not but I have no idea where to find help about this. I went on holiday to Kavos last July and ended up in A&E one night for around an hour, I was insured for this holiday and had the information on my email. I went back to the centre the next day to give insurance details but…
DCA have applied a default to my credit file
Hi I had a credit card with Halifax and I defaulted on the repayments. They issued me with a default notice that has sat on my credit file for nearly 4 years. At that time they also sold my debt to Westcott. I then agreed a debt management plan with 'StepChange', which I have kept up to date with since it started. Today I…
Jacob's EA fees
Hi, first time on here so I apologise if I get the whole process wrong. I had an outstanding Council Tax bill which I allowed, stupidly, to get away from me. The council passed the debt on to Jacobs and we received a visit from an enforcement agent. This was near the beginning of the year. I contacted the council to pay…
That 'feeling'
When you check your credit file and a load of sh*t has fallen off after 6 years:beer:
Money problems - HELP please - what can I do?
Hi all, I am currently experiencing some financial problems and I'm writing here for some help and advice on what I can do to improve matters, I'm not a 'money' kind of guy so I think I need some expert help. I realise my problems aren't massive and nothing compared to some, but regardless for a large amount of the month…
Please help - Premium Credit
Hi My other half has received a letter from Premium Credit stating that he owes them 350 for a cancelled car insurance policy. This policy was taken out in Jan by his employer and put into his name. When he realised, he spoke with his eployer and they said they would amend it so it was not in his name and address and just…
Can the court do this?
My wife and I were taken to court on Monday 25th July by Linwood Double Glazing. We had refused to pay our final bill after deposit as the window fitter damaged our expensive flooring and fitted undersized windows. They also fitted doors off plumb and made a hash of every window. They never finished the job never…
Please help notice period
hi all for some reason I cant post in the correct thread, can someone please help me. I got myself a new job and handed my 4 weeks notice period to my boss on Tuesday so I would leave on Tuesday 23rd august. I had a meeting with them today and they said rather I finish on the Tuesday they would like me to finish on the…
Thursday 28th July- 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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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
Ofgem has today launched detailed proposals for a major shake up to its Energy Price Cap that dictates the price over 80% of homes in England, Scotland and Wales pay for their energy bills.
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
If you're a Lloyds, Halifax or Bank of Scotland current account holder, the interest rate you're charged for using your overdraft could change soon as part of a fees shake-up. The Lloyds Banking Group, which owns all three brands, says millions of its customers will pay less after the changes – but a "few" will pay more.
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 low-income 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.
Martin Lewis: At last a chance to fix Council Tax flaws impacting millions – debt collection, difficulty challenging your band, discounts and more
Major flaws in the Council Tax system in England could finally be fixed in future, as the Government has launched a wide-ranging consultation to review hideous debt collection practices, the difficulty of challenging your band, the overly complex and horribly-named Severe Mental Impairment discount and more. MoneySavingExpert.com founder Martin Lewis, who has long campaigned on these issues, shares his response and analysis.
Energy complaints to be dealt with more quickly and Energy Ombudsman to get new powers under Government plans
If you have a complaint about your energy firm, it may be resolved more quickly in future, as the Government has announced a raft of proposals to strengthen consumer protections in the energy market. The planned changes include giving the Energy Ombudsman new powers to force firms to comply with its decisions – but it's still very early days. Here's what we know so far.
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
If you applied for compensation from South West Trains before the deadline in January 2025, you now need to provide your bank details to the claim administrator so it can be paid to you. Here's what you need to know.
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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