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CCA on fresh debt vs old
Hi, I posted here before. I am just about to have a new waive of sold/passed on debt. I sort of assumed if I put in rrequests to see CCA they will likely find them, as they can ask the original lender, being a freshly sold debt. Second option, wait until six years passes and then ask, as there would be a better chance of…
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Budget with me one week at a time
As the title suggest I’m back with more debt than I ever had before. House improvements, holidays and it all just crept back up over the years. The usual story of credit cars, then loans to pay the credit cards off and now both credit cards and loans. But also for the first time I’m being refused credit and refused 0%…
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Light at the end of the tunnel
Well, after many, many years of struggling with debt, I seem to be able to see the end !!! Got my car to pay off, will be able to clear that in 19 months. (Work Sharesave) Still have my DMP to pay, but, i have that in hand and will be paying it off in 30 months (Work Sharesave 2) The capital from these is safe, so, i will…
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Getting out of a vicious circle
I can’t believe I am writing this but I have over £7000 in credit card debt and I need to sort my finances out. I have always been a saver and very rarely spend money on myself but since having children not only have I not been able to save, I have relied on credit cards to get me by. It started when I went on maternity…
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Scottish Time To Pay claim dismissed today
I have a £2.5k debt with PayPal from 2018.They took court action against me via the Scottish simple process.I accepted liability and responded, within the correct time, with a Time To Pay application.They did not respond within the time allowed and, as such, the case was dismissed today.Are they likely to lodge it again?…
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DrSpendingLittle's New Home - staying accountable and responsible
I think this is the right way to start a new debt free diary... :# I can't access my old diary 'Reducing Debt - being accountable and taking responsibility' as my account can't be accessed / logged into :'( :'( But, fear not, I've set up under this new yet familiar identity! B) I am (still) debt free and in the early…
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Slow and steady only works if you're moving
I’m starting a new diary as I didn’t keep up with the old one,
and though not much has actually changed, I’d like the accountability. So, what’s
changed: I graduated and started working at my local hospital, this has
been a big change as I’ve only ever been self-employed before. I’ve struggled
with childcare since day 1, I…
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This time I mean it so looking for help
As the title says really Too much debt (about 8,500 not including mortgage) Every new year I resolve to pay it off and get some savings instead Every end of the year, there it still is So I’ve started this diary for some support and accountability and advice So far I have switched £6500 onto a 0% card Todays plan is to pay…
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Finally Debt Free After 34 Years, But Still Need to Live Frugally
My DH and I have been in debt for 34 Years, apart from brief periods, ever since I was offered my first credit card at the tender age of19. Our debts were caused by us being impulsive spenders and not being very skilled at budgeting or managing our money, so we know it is our own fault. We always believed that one day we…
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Countdown to Part Time…
I’ve been inspired by your diaries so decided to start my own. Firstly, I am going to say I know I’m in a privileged position of having paid off my mortgage and that although I’m in debt, my financial position is really quite sound. BUT I am bad at living within my means and I allow credit card debt to rack up, then take a…
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The Ups and Downs of my Emergency Fund
After many years of being in debt, from my early twenties to my early fifties I (well we) managed to get out of debt, including paying off our Mortgage. But I still can't manage to get a decent Emergency Fund under our belt. Each times we get a half reasonable sum ie. £500 some expense comes along and we are back down to…
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The end is in sight!
After nearly 10 years of being in some degree of debt (twice before it was almost all paid off) I am determined to see it through to the end. I'm starting this thread somewhat in the middle of my DF journey, in the hopes that it will keep me motivated and on track! Pre-Covid, I had about £1k in CC debt. During 2020- 2021,…
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0% Virgin Card accidental purchase
We have a 0% transfer Virgin Credit Card but I accidentally used it for a purchase will i now be charged interest on the entire amount on my card or just that over the transfer amount?
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Aiming for debt free in four years
Hello - new to the board but likely to be around for a while! I’m determined to tackle my unsecured debt. I have a lot - (47k - equivalent to a year of my salary). I’m at the point where I can no longer switch any more onto 0% cards until I get my total borrowing down. But the interest is high and so if I don’t tackle it…
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Clearing my debt after 25 years
I’m quite new to the forums and not to sure I will have done this right but I wanted to start a diary because I need some forums friends to keep me motivated. My story is a long one! We all have reasons why we ended up with debts, mine has just been some bad luck and some stupid choices! I won’t bore you all with those…
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A plan for Debt-free journey
Hi all, After years and years in a vicious cycle relying on credit cards. I’ve decided enough is enough. I’ve come to realise that I should have managed the household finances way better in the past and I do feel disappointed with my self, but on the other hand I know I had to do what I’ve done to keep things moving. My…
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Becoming A Budgeter Extraordinaire Again...
Well Diary, It's been a while since I was last here, and even longer since I was successful at being accountable to my diary & posting regularly. I plan on doing a lot better this time around, as I really need to be accountable, pull myself up by the bootstraps, and stop the chain of events that has ended with me living in…
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On the edge of a cliff
But I've managed to drag myself to safety (still windy though)..... Hi everyone, This is my diary to becoming debtfree. I've recently received some inheritance money and will be paying off some of.my debt. Please take a look at my spreadsheet. I'm due to receive a payrise in Jan of around an extra £100 per month which…
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My accountability thread - diary of an in-denial credit card spender
Hi all, long time lurker of this site and I love reading the diaries and being inspired by how well everyone is doing. I thought that adding my tale of woe here might finally give my head a wobble and help me get on top of my debt. In short, I'm a total spendaholic who thinks that credit cards are free money. I put…
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Mrs. P's Savings, Paying Off CC, being more organised diary
I've now taken early retirement. Sadly I've built up CC debt yet again, but is only on one card and it is the only debt I have now. I really need to get this paid off, whilst also saving and making ends meet so I don't need to use the card again. I have decided not to stress and panic about over-paying (which is what I…
