-
Interview today - arrrghhh help!!!
I have an interview this afternoon for a job. I have woke up this morning and my top lip is swollen and covered in coldsores. It looks like botox gone wrong. Do you think they will feel sorry for me and give me the job lol. Should i bring them up in the interview or just try and ignore the fact that my lip is double the…
-
help with cccs
Hi, i think i need some reasurance,we have recently contacted the cccs for help regarding our debts, we went through our income and outgoings our debts and our bills with a gentleman from cccs, he rcommended that we write to our creditors and offer them token payments and give them our cccs client nom,we are due to speak…
-
Grocery bills are down
a little bit reduced it to £45.86 inc delivery and beer for this week (far cry from the £90 odd per week we were spending!) feel happy today
-
Nasty letter / Final Demand from Debt Recovery
Hi all, Usually I would send off my response with confidence, but wondered if I could post the contents of a letter I received this morning regarding an old parking ticket:naughty: . From: Stirling Park Debt Recovery FINAL DEMAND Balance due £90 Glasgow City Council Land Services (Parking) This debt relates to a Penalty…
-
Help with a horrible situation please
Hi, I am new to this and really want to get my finances sorted but things keep getting in the way. I have looked at our finances and we have about £440 left to pay debts - so far so good. We owe council tax arrears so most/all this money should go to them. We owe several non-priority debts that we are struggling to…
-
Trying to clear debt incurred during period after serious accident..
Hi all, Just looking for some advice as to where I should start looking regarding resolving my debts. Story is that I had a motorcycle accident in the US while on business in 2007, the 2 surgeries I had in the US were deemed as "malpractice" (I have a case currently in motion the US - contingency thank goodness) by the UK…
-
Dmp?
Hi,I am in debt,about 10k and just starting to pay interest on cards and finding it hard to meet payments and have a life!Looking at whether or not to do a dmp. I have a mortgage(no arrears) but looking to move in about 5 years,so my 2 boys dont have to share a room Do you think I would be able to get a mortgage acceptance…
-
MBNA partial settlement
Hi all.I have been offered a short settlement of 1000 pounds on a debt of 4500.A good deal in anybodys eyes i think?The guy i spoke to has said i will not be pursued by mbna or any dca for the remaining balance.can they be trusted?Oh yes when ever i mention the CCA route they tell me that not one person has ever won a case…
-
Weybiza DFW Meet 1st/2nd August
This started off being a few people getting together in Weymouth, Dorset over the weekend of the 1st/2nd August, however more and more people seem interested in coming so we are going to make it a DFW free for all Meet. The plan at the moment (weather dependent) is to meet on the Sunday for fun, drinks and relaxing on the…
-
Debt help company not helping!
Hi i recently decided to sort out my debts so i called a company called Byrom and Keeley they were very nice and worked out that i have a spare £100 at the end of every month to pay back my debts, which £70 of it would go on my debts and £30 of it would go to Byrom and Keeley for admin etc. so i signed up with them and…
-
My 1st NSD starts today
right this is day one for me on the No spend... today i have planned ... take DD to a birthday party 12 - 2 ...come back...do craft ( out of the arty box at home) ..play at home...eat out of the freezer and cupborads...bath and bed...... does that seem like a good start??? has any one got any NSD tips??? many thanks
-
Saturday 1st & Sunday 2nd July 2009 - What DFW Thing Have You Done 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…
-
How can I improve my credit rating
I'm looking to improve my credit rating before buying my home which is currently council rented. I earn £24k a year and I've been in my current home for over 7 years and I'm on the Electoral Register My home will cost around £30k to buy My current credit reports shows the below taken from checkmyfile.com I have no fraud…
-
Newbie, need to tackle credit cards
Hi All Need to sort my finance's out and lots of you on here seem to know your stuff, my debts is as follows £1200 Overdraft £4192 Lloyds TSB Platinum credit card £5942 BT MBNA credit card My Statement of affairs is as follows Statement of Affairs and Personal Balance Sheet Monthly Income Details Monthly income after…
-
Help! Can't logon to Extra Direct
Hi! Can anyone shed any light on the fact that since yesterday lunch time, I cannot bring up the Extra Direct banking website? All other pages online are working fine and at normal speed, but no matter how I try to get into Extra Direct's website, nothing happens and eventually I just get my browser's error page. Unless I…
-
Debts and Going to University
Right so heres ther drill: I am 20 and Starting uni in october. I have debts on credit cards/overdrafts but i need to clear some for uni, and not sure where to start. I will be getting a student loan but that will all go on my accomodation and don't really want any money earned which will be needed for food etc for my…
-
Student overdraft Debt
Hello, My partner finished uni a year ago and now has the dreaded letter that the 0% overdraft is coming to the end, she has 1600 on this overdraft and is going to be charged for what ever she is over the 1000 at about 16%. Is there any products that you are aware of that she can move onto? She earns basic 500 a month and…
-
PPI claim gone very wrong! Help!
Hi there, in a panic! Just had a home visit from UK insurance who are paying a PPI i had on my RBS card, which I claimed on when made redundant. Let me explain, I am in debt after loosing my job so I am now on a DMP with payplan, who have been marvellous. But because the plan is unprotected I still get loads of calls from…
-
AKTIV KAPITAL again, trying to help out my mother!
Hello all, sorry to mention this company as they seem to be plastered all over these forums. A little background to my story:- my mother has been notoriously bad in the past with debt and we had to sell our house 5 years ago and we now rent. She is still paying off debts she believes to be related to that period. The…
-
Equidebt and Abbey
Hi My husband and I have a combined debt of just under £40k on loans, cards and catalogues and started a debt management programme with DAL in January and while we can just about afford the repayments, we have no life so we are considering moving to an IVA with DAL. Good idea? Also, and the main purpose of my thread, my…