-
Who would give me advice
I'm not actually in debt, not counting the £500 my mother has just lent me, but for a number of reasons I can see things getting worse. I would like some advise on how to manage my budget, combined with advice on selling my house and investing some of the money. Who would be able to help me. Thanks
-
Bankrupt need help.
Hi everyone. Didnt know where to put this, so please move if needed, sorry. We became bankrupt in Dec 07 with debts of £27'000. We are currently recieving Incapacity benefit due to my wifes ill mental health. She has been to see the DSS doctor and been 'signed off' for 12 months. We are council tenants with no assests or…
-
Voluntary repossession
IT'S A LONG ONE BEAR WITH ME!! :rolleyes: Does anyone have any experience of handing their keys over to mortgage company voluntarily? I have been unable to carry on paying mortgage due to spiralling rates and second charge on property. Have moved into rented (have just entered IVA but did this before it was finalised) and…
-
Debt Collection agency sending collectors, can they do that?!
Hi, I am on a DMP with the CCCS and have recently had an old debt come up that I had with Lloyds TSB (which for various reasons I didn't think existed any more.) A company called Debt Managers Ltd (in Edinburgh) are requesting payment for an amount. I am in the process of requesting information from them with regards to…
-
Relying on heritance to get out of debt.
DH & I have been struggling to get back in the black. We have 3 kids and I've recently gone back to work part time to get more money. My money does not seem to be covering childcare costs, and seem to be worse off thanever... This is awful but stark truth is I am due some inheritance once my Grandma "pops off". But who…
-
Wish my weakness was shoes!
Is it only me who has a shortage of shoes.:undecided I wish I could be like other women and have loads.:j I seem to run out of going out shoes and work shoes.:mad: Can I ask the women out there how they buy their shoe collection, one pair a month or do you always buy from sales. Please help me to buy enough shoes:grin:
-
red debt collection / lowell
Hello all, I need some help with Red debt collection. Basically about 4 years ago my partner had a bank account with Barclays but after splitting up with her ex she had to leave work. During this time a number of charges were appllied to her account, after explaining the situation they closed her account and asked for…
-
PaP/Moozie's What will you spend/have you spent today Tuesday 8th January 2008
Good Morning everyone:hello: :hello: Guessing PAP is at work now so here is todays thread Rules (as stolen from Rog :p )
-
New in Town
Hi Everyone, My first day:rolleyes: Its nice to know that others are i the same predicament and want to escape it, Im currently going through my debts with CCCs and just sening off 1st letter to creditors asking for some time whilst I get my DMP in order, the phone calls are driving me mad and are quite embarrasing…
-
Help needed - Regarding unpaid tuition fees
Hey there, any help on this would be much appreciated as I'm really worried about it. Okay, the year before last year I started a part time course with a university. I was doing it alongside my full time job, but after a few weeks I knew I couldn't cope. I emailed my course coordinator telling him I was withdrawing from…
-
WARNING DMP Telemarketers
I must let everyone know about a Private Message I got from what turned out to be a Telemarketer working on behalf of a Debt Management Company. I got straight onto Martin and this is strictly an abuse of the boards. Please be very aware and careful especially of Private Messages from people of this nature and only use the…
-
Where should I go for advice? - other than here?
DH & I have been struggling for a year now to get ourselves back in the black. Had interest free loan from my Mum, which has got us some way back, but this still needs paying off. I've gone back to work part-time to try and get more money it (have got 3 kids) but childcare care costs are crippling us. Once kids are all at…
-
Cca's
Any advice please, i asked for my cca from blaire scott and oliver, i gave them 12 & 2 and then 30 days, nothing came. then 2 days ago they sent the CCA, any idea what i do now ? thanks Sally
-
anybody else had a PM
I am really sorry if this is a genuine msg but i just wat to check out with others I have recieved a personal message from Chris19 saying he has read my posts about my debt problems and that the company he works for are a Debt Management omapny. It then gives a telephone number and an email address if i want to contact…
-
My Deft Free Wannabe Ode to DEBT
Thought I would change the words to I Wish I Was A Punk Rocker (one of my favs) now those days have long gone lol Debt Free Wannabe Ode to debt Oh I wish I was a Debt Free Nerd with money in the bank But buying things I didn’t need, is what I have to thank I was born too late, with a mind that couldn’t wait Oh I wish I was…
-
help please Mackenzie hall...im new
:confused: hi all, i received this letter today could someone please help i am concerened. Sorry for the length of my post but this is the letter from Mackenzie hall kilmarnock it reads;FINAL NOTICE Persuers: Pheonix Recoveries (UK) S.A.R.L Original Creditor: Littlewwods Principal Sum: £300.00 We have been instructed by…
-
Tuesday 8/01/2008 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…
-
02 problem, thoughts please!
I just called o2 to ask for help with my bill. I called because I'm just not going to be able to afford my £35pm contract for much longer (I'll be off sick soon for another few months); and I wanted to sort it before I ended up with defaulting payments. My Dad is the 'account holder', even though I pay for it and always…
-
Stuck in a runt
hi well this is myself laying it bare... i have an overdraft of 1300 which originally started as a 600 overdraft but i moved from london to yorkshire and it increased as as you can imagine moving is expensive... anyway... at the time i was recievin both my wage (which as drop now as i dont recieve london waiting anymore)…
-
It's about time really....!
I've just realised I've been pretty rude since I joined MSE...I've been posting left right and centre and I've never actually said hello. Wow, my own post in DFW teehee! I'm technically not that much of a DFW, but I hope you'll let me stay (the other forums can be a scary place!) I'm 23, and in the 3rd year of a degree in…