-
Mystery Shopping
I've done one and got paid for it, but had to back out of one today because they wanted me to log my report before midnight tonight. Seeing as I would have only done the assignment at 8pm, thought I didn't have enough time. There are others that give you 12 hours to complete it, but if I do it at 8pm, I can only complete…
-
Approval / Rejection for Barclaycard?
bon apres mon petit souffles, i applied for a Barclaycard about a week and a half ago (or maybe 2 weeks - i forget now) - and they have carried out a search on my credit file. now how long should i wait to find out if i've been approved or rejected? i applied online....
-
Is this usual for cards to do?
I pay my cards monthly by cash-Monument agreed to a repayment plan of £20 a month-I paid my last bill as normal and then paid an extra £3 in online-I rang them up the other day and they told me that because I'd paid the £3 in that was classed as breaking my agreement for the repayment plan.I asked why and she said it…
-
1 month since my LBM
Well its 1 month since my LBM. i.e. every payday im going to record in signature how much paid off. Once my salary is paid in each month, any remainder will be placed onto outstanding debts. This month i paid off over a grand in debts. Now where was this money going before ? Just wasted on day to day spending - amazing…
-
Head to Head £250
Trying to motivate myself to pay off a chunk of my debt. Saw a thread by someone who had managed to pay off just over £1000 in a couple of months. I know we're a few days already into the month but does anyone fancy going head to head with me and the first one to £250 wins. The motivation would be good and well as keeping…
-
Some Sound Advice
I often follow what crops on digg.com and I've started to see a lot more personal finance stories appearing. This one was featured on the frontpage this evening, and I think it's a great summation of some of the principles of money saving and if you can see past some of the American specifics it's sound personal finance in…
-
Newbie Amazon Challenge
Hi All Any Newbies want to have a go at an Amazon Challenge? I have only recently discovered Amazon and have just made my first sale (woo hoo) so wondered if any other newbies who've seen the other challenges happening but have never joined in would like to have a go? If we keep track in our signatures, it'll be easy…
-
Equifax
Need to cancel my membership with both experian and equifax. Have just phoned experian who I was able to get through to someone and cancel both mine and my husbands reports but when I try and ring equifax it is all automated and asking for a number that can be found on page one of the report but I can't find the number…
-
debt not showing on your credit report
hi there, if you receive a letter fm a DCA, but the debt is not showing on your credit file and you think the debt is most likely yours, but you're not sure what should you do. (this is almost academic now as the debt has already been cleared but am now just thinking about it and thinking perhaps it doesnt add up and…
-
do u think this is a debt?
Got a postcard this morning addessed to "present occupier" which along with the address is hand written, on the back is a printed sticker saying: "please contact 0144 2560 201 and ask for Natalie as soon as possible. This is an urgent matter. Thank you" I'm paying my debts through an admin order and as far as im aware dont…
-
Asset Link Help!
Got a letter today from asset link - as payplan are closed at the mo, thought I would see if any of you have had any experience of this? I am on a DMP with payplan, all of my creditors (except asset link and MBNA) have accepted the reduced payments and have stopped interest etc. Asset Link wrote today... 'As you have…
-
Arghh dead boiler!
I need help making a money decision. As you can gather by the fact I'm on this board money is a bit of an issue just now. We are saving every penny to get a debt the the IR paid of asap...and the boiler has died. It is an ancient looking monster of a thing and what we can't decide is whether we should be trying to repair…
-
I had a bailiff round today
I'm just having one of those days today! And to be honest I am feeling really sick of it all. About 7pm this evening the doorbell rang and it was a bailiff come to collect £156 left over from a store card debt, which to be honest I thought I had paid, but on checking hadn't. Anyway, it seems I received a CCJ, but I have…
-
Dimmer switched light bulb moment
I've posted here before, but i just dont seem to want to save as much as possible. I currently have just under £20k in a range of debt. Earn good money, but have a mortagage to pay etc. I think instead of having my lightbulb moment, i have a dimmer switch. Sometimes i think SAVE SAVE SAVE, others i think, this is silly, i…
-
What to do??
Hi, I have two cards out (almost to the limit) a Virgin card with £7000 on it (19.9%APR) and a Halifax Card with £8250 on it (22%APR) These are my total debts!!! (Awful, i know - beaten myself up already!) I know the interest is high, but i cant switch to another credit card at 0%, or get a loan as the banks are all…
-
credit reports from all agencies
Morning All. This morning my partner got a letter to contact the local council regarding council tax debt (we have none) , when she called she was advised that they have been informed by another council that she has unpaid council tax in an area she has never lived. strangely who ever this person is that hasnt paid council…
-
Capquest debt recovery
Hello I got a Red letter from capquest debt recovery last week for £543.60 owed on a Capital One Card, I came back from 8 months working in the states havent got a job a the moment cant ask my mum for help as she got my 3 younger siblings to look after, telephone the lovely people at Capquest debt recovery and asked if I…
-
Buy Back Debt
I have recently discovered my teenage daughter has run up debts around £9,000. I have managed to get her talking to me about the problem and she has agreed to let he help her in managing the debt. Fotunately all the debt is with one bank in the form of overdrafts, loans and credit cards. I have spoken with the bank and…
-
Advert in today's paper
I saw an advert in the paper today with the heading "Do you wish to supplement your income?" Moorcroft - one of the UK's leading Debt Recovery Companies require collectors to make regular cash collections in and around your area on a self employed basis. Remuneration is by way of a good commission rate payable weekly. I…
-
Advice please! re: court date for reclaiming bank charges
Hi everyone. I'm trying to get my money back from barclays - I know they are the worst! I have just got a letter from my county court giving me the date and time for a 'preliminary hearing'... which is in a few weeks time Is this the actual hearing that barclays usually pay up just before? I'm dreading going to court, so…