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help what would you do
I have sent letters to all our creditors offering a payment based on the debt amount and the amount of money we have to spend each month. We have recived a letter today from scottish power which says Thank you for your letter to our customer sevrice centre regarding XXXX i can cnfirm that the full outstanding balance one…
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Do all bank accounts have a set monthly amount you have to deposit
Afternoon everyone I apologise if this is in the wrong thread couldn't see one about bank accounts I have a very bad credit rating and have a main bank account that all my wages go into and all my direct debits come out For now thats absolutely fine i'm meeting my payments no worrys there I am making money on the side…
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Debt As A Guarantor!
Hi All I Am A New User 2DAY, AND HOPEFULLY SOME 1 WILL BE ABLE TO HELP ME WITH MY PROBLEMS. ME AND MY PARTNER BOTH BOTH OWN OUR OWN BUSINESS AND WE BOTH AGREED TO BE MY FATHER IN LAWS GUARANTOR, HIS BUSINESS IS NOW GONE INTO SERIOUS DEBT AND HE HAS REMORTAGED UP TO THE HILT TO KEEP THE BUSINESS AFLOAT WAITING FOR BETTER…
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My story
Ive been advised to post my detail here so here goes. Im in quite a bit of trouble at the moment. I have a mortgage of £72000 on a property worth £85000. I currently have mortgage arrears of around £2000 and have recieved threatening letters from my providers concerning repossesion proceedings. On top of my mortgages…
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Pay off or not
In terms of getting out of debt, if you had a windfall would you pay off the mortgage or invest it. It seems that paying off the mortgage looks a no brainer but then your money is locked forever and can only be unlocked again by taking out a loan. In which case, isn't it worth investing it and accepting that you're…
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Test Case Day!!!!
Finally, the day many of us reclaiming bank charges have been waiting for! fingers crossed we will be :j and hoping the test case goes in favour of the customer!!! As you may have read in my previous rantings re Nat West issuing us with a CCJ in respect of our overdraft, because we had the cheek to want to pay off our debt…
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Previous credit problems still haunting me!
Hello, Whilst at uni and for a couple of years afterwards I was very irresponsible with my money. I suffered a drug addiction which didn't help things and foolishly ran up the following debts between 1999 & 2004 Halifax - 3.7k unauthorised ovedraft (last payment of agreed plan made July 2005, no correspondence received…
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PAP's How much have you/will you spend today 14th January
Please see here, thread already started Mods feel free to delete this one!
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Please help i can't sleep for worrying
Hi everyone,its taken me a long time to face up to reality but things are so bad i dont know what to do . Please dont judge me on the first problem as i feel so bad about it but i have a gambling problem big time. I know this sounds crazy but i haven't gambled for a week and i am honestly not bothered. My main problem is…
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Sometimes we just lock up...
I was awoken at 6.50am this morning by massive buzzing from my entryphone, then banging on the door. Immediately fearing the worst, I hid, thinking it was bailiffs (although, what for, I have no idea)... The banging on the door started. !!!!, I thought, they'd got in by buzzing someone else. I'm starting to panic majorly.…
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Brilliant Website for those who do online grocery shopping,ssh dont tell BG's its ere
I came across with website tonight, its extremely useful if you shop online for your groceries, I know this is in the wrong place, but I read your threads and post on them and I wanted to contribute something useful to you. please BG's leave it a few hours before removing.:D The website "my Supermarket", you import your…
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OH had his LBM and I have promised to help!
Hi I don't have all his figures (he has promised he will hunt these out, call for up to date balanced etc during the week so we can go through it on Saturday) but he is struggling to survive. For what he has said he owes (very roughly): Lloyds - £1000 (APR 18.9%) Natwest - £1000 Welcome car - £? (I'm guessing about £3000)…
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I feel sick - Can someone help me please!
I am a newbie to this forum and did a thread yesterday asking for advice on my debts, but I havent had much response from it. Or am I expecting too much off you intelligent folk! :confused: Apologies if I am :o If you are interested in reading my other thread then please do. But right now I have a loan that is due to go…
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martins new book?
does anyone know whats it called? Im going to be buying it :P Thanks in advance
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what a mess - desparate - HELP please!
Ok, instead of keep running from the situation and in actual fact making the situation worse I would like to get help and need advice (telling I guess) on what to do now to stop the rot and get back on track. This is lengthy but I have tried to include everything I can think of and notes which may help. Monthly Incomings:…
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Urgent advice required
I have just had an argument on the phone with 1st credit . My son owes them £900 and they keep ringing demanding the whole to be paid at once. We have been paying then £20 a month and they now say they want it by dd or they will not agree to it. I told them that as long as they were getting thier money on a regular basis I…
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Sunday 13/01/08 What small dfw thing have you done or 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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What do I do ??
God where do I start ???? Well myself and my partner have a mortgage on a house , have done so for 2 years now , we both had debt following us around and decided after a year to get a secured loan on the house , this would have hopefully cleared most our debt and we could live more comfortably .......... Our house was…
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What *non* DFW thing have you done today?!
To try and meme feel as if I'm not the only one who falls off the wago, please tell me what non DFW things you've done today! For me - - used tumble dryer for all washing possible, as I needed it done quickly so I can get it ironed soon :o - can't be bothered to go to asda so will go for essentials to (more expnsive)…
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helping my income
Happy new year to you all, Having had so much help from you lovely folks last year with my daughters finances, debts and bugeting can I ask for some more help. Hugs to Pania by the way!!!! In order to be able to help support our daughter and grand daughter, I could afford to invest something like a £1000 or so in goods or…