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University charges
Don't know if this is correct place, but if not would appreciate if someone could point me in right direction. My daughter is in 4th year of University - her third year was spent abroad. Anyway, she went to register yesterday, and was told that she could not register. Apparently, she should have paid a partial fee for year…
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How much have/will you spend today Tue 19/9?
Good morning folks! Another good start to the day - woke up feeling rather positive! Might be that £320 overpayment to the card that did it :rolleyes: :D Today will be a no spend day for me, 3rd in a row! :dance: I am keeping my £20 locked away in my purse until I HAVE to use it! Hope all the challengers are doing great. I…
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Panic stricken
Oh lordy. Getting my knickers in a twist. I've had to resign from my job due to ill health. I only worked part time, we have enough money to live on with out me working but the extra came in handy for overpayments. I am looking for something else but nothing is forthcoming at the moment. DH has put £72 on to a cc that he…
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Writers, educaters and readers... I nead your help !
Right... I was a tad tipsy last weekend :beer: , and annoyed that the Liverpool Echo offers no consumer financial advice, fianancial education or anything of sorts.. So I sent the editor an email ! They are aware of my 'ask the analyst' thread and would like me to submit a dummy as if it were in the paper,.... This paper…
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Update
hi all, sorry i havent been around for a while. the new business is taking up all my time and is going really well. just wanted to say i had some good news today, after all the panicing about the changeover from income support to tax credits....they managed to outdo themselves and get my claim sorted and money in the bank…
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Joining the library--is it free?
Hi I have decided that instead of buying books and reading them once I will join the local library(dont know why I havent bothered before!). I have tried ringing them tonight but there is no reply---does anyone know if you are charged a fee to join? also what ID will I need to take with me to join? Thanks x
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I've just realised...
I have a deadline to pay all (or a good proportion anyway) of this off by. August 2008 to be exact- otherwise my job is at risk as I depend on security clearance for my position and high debt is not good news. Very very scary. I want you all to give me hard kicks up the backside if you see me admitting to large spends on…
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huge debts
hello everyone, well i posted a while ago about my bf debts:eek: after toting them up it reads as about 70,000 yesterday he tryed to call National Debtline but unfortunantly he could not get through. i have few questions id like to ask an value any opoins given. 1. do you have to contact banks diect initally to make them…
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a few tips
1. Save 5% of your income as part of a long-term savings plan. By doing so, there is a good chance that you will financially secure your future and be able to attain your financial goals. 2. Fix your mortgage payments for two years at a time and then when your deal runs out, use a broker to shop around and keep you on the…
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confused about debt plan with spectrum
hi there, i am in about £12000 debt with three credit card companies. i contacted spectrum , and paid them £233 for 3 months to take charge of my financial affairs. in their ad, they boasted that they could get up to 95% of the debt written off. ok so they sent a statement of my finances to each company and these have now…
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no CCA, no debt
I recently requested a cca from eggs debt collector and quick as a flash they've said that they are no longer dealing with it. I am now going to repeat the request with EGG themselves. The question is, if egg fail to provide within 12days is the debt null and void?
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One step forward and two steps back
After posting my SOA on here, I took on board a lot of the advice given. I thought I was finally getting somewhere with our debts then I get a summons from the council re last years bill and now I've got a letter from the Inland revenue saying we've been overpaid by 1738.79 and they want it by the 21/10. They have also…
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Lightbulb moment!!!!!!
At last!!!!!!! I have spoke to Payplan and I am getting all the debt sorted. I can't believe we have got into such a mess with everything!!!! £30,000 in debt. My OH has been saying we will be ok in a couple of months cos he has some compensation to come but I know that its never going to be ok if we don't start now!!! I am…
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Don't know what to do . . .
Right, where to start . . . I'm in debt . . and I just don't know what to do. Im 37, living in a free part of my grandmothers house rent free. Im reasonably fit (physically), unemployed - claiming incapacity benefit due to havey depression, extreme anxiety and severe panic attacks (on the old medication for this to…
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free portable DVD player!!!
Just got a new phone and contract from O2...and got a free portable DVD player worth £120:T That's my dd"s xmas present sorted for nothing WOOHOO!!!! Has this offer been mentioned here before? Maybe i hadn't noticed it. I was also offered activity vouchers for stuff like whitewater rafting for two, aromatherapy massage for…
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Help with bank charges
Just worked out that if i claim the bank charges back from one of my creditors i will be £200 in credit. the thing is im in a debt management program and they have stopped me having access to the account. my main question is will i be able to actually withdraw this money to help pay off other debts, persuming that they…
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can i propose another IVA within a year
Just had an IVA rejected and have been told i cannot re-propose for a year.....is this true
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Help needed dealing with Debt Recovery Agents
Hi everyone, does anyone have any information on how to deal with Debt Recovery Agents?? I owe a small amount to a mobile phone company who have passed it onto to a DRA but at the moment I can't afford to pay it. Iv'e heard of people offering silly amounts such as £1 per week and getting away with this, is this possible?…
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Aqa?
I've seen this mentioned by a few people recently on this board & wondered if anyone could post a link so I can go have a lookie? Thank you
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What is your Credit Score
Hi I was just wondering really - being nosey :O) mine is 645 - poor lol I thought that wasn't bad on a scale of 0-1000 I saw my credit report today and it is looking well only 2 late payments showing on it now, can't wait to be back on fair Nat xxx