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Debt-free wannabe
Archives for May 2017
Discussion List
Bringing down debt level
Hi all, I have just joined this community and I am glad i did so ad i found reading posts very helpful with lots of good advices. So here i am and i would greatly appreciate advice on my personal circumstance. Due to some unfortunate circumstances recently i had to take a loan from Tesco of £35K last year. Monthly…
Need Help With A County Court Claim
Hi everyone, i need a bit of help to understand how to defend a ccj claim when i believe the debt is older than 6 years. the default date is 16/08/2011, but what i don't get is the start date is 01/02/2011 i never paid once or contacted them. i was a student at uni and took out a contract phone i lost it shortly after but…
DMP and windfall
Hi there, This is my first time posting to MSE. I hope that someone might be able to offer a little advice. I have a DMP with SC, which I am halfway though. I have about 2.5 years to go and paying about £600 a month. Generally speaking the DMP is fine and I get by, however I do find that I really don't have any contingency…
Can I get some advice please
Hi everyone I am on a dmp with baines and ernst and I have finally plucked up the courage to dump them, my wife and I are going to do our own dmp saving us £50 per month that baines and ernst were charging us, 1, How do I go about ditching them, is there anything specific we should state in the letter? 2, What should we…
From £85k to £1k debt - but what about CCJs?
Hi there, I got myself into a big financial mess. £85k. Ouch. Much has been paid and some of it is now statute barred. However I do have a £2k CCJ against me. It's not on my credit file and I've never been chased for it. What happens to the CCJ? From what I can find out, it cannot be statute barred and will be ongoing.…
Where to start
Hi The 30 year old son of a friend is in serious financial trouble after relationship break up etcs. I don't know the extent yet but I do know he's had baliffs round several times, including to his parents. I'm only really considering getting involved as my friend and her husband are at breaking point. Son is currently…
What small DFW things will you do this week? w/c 1 May
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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