-
good luck vibes needed please
hey folks, well it seems to have worked for others so today i need your help... i'm leaving in ten minutes for a job interview that will see me just under £100 a month better off, doesnt sound like much to some, but to me it's huge! so please please please send me good luck vibes this teatime...i'll be your bestest friend…
-
am i the only one.....
who hates to see odd pence in their current accounts? it really annoys me :rotfl: i have online banking with natwest and i have two accounts (a spending and a current account) i then have seperate savings account with ing direct, but as soon as i was allowed an isa (with natwest) i opened one, now if any of my accounts…
-
Debt Collection Letter: Should I Ignore?
Picked up some post from my previous address which I left 7 months ago. One single letter stating that the company is trying to find (prints full name including middle) I had no debt at this address and lived there 18 months. I did have unsecured lending at my address previous to that which has not been paid. The letter…
-
if my iva gets rejected what are my options
hiya everyone got my creditors meeting tues at 11 and it isn't looking that clever......what i have now been told and didn't realise at the time is that i cannot submit another proposal withina year. what options are now open to me to reach an agreement with my creditiors?
-
Lloyds just wrote to me
and although they haven't accepted my reduced payments they have frozen my interest as a "goodwill gesture".I'm happy with that :)
-
I Have Spent All My Adult Life In Debt...
and to be quite honest I'm sick of it.. I have noone to blame but myself I have never been able to manage money,OH wouldn't even know how to write a cheque so he's no help but I really need to change. We bought a little flat in '88 and struggled along with the mortgage rates going sky high for 8 years til we had DS2.I was…
-
newbiw, what is the £2 club please?
Hi im new very interested in this £2 club what is it and what do I need to do please :confused: Thanks.
-
And I was doing so well! I'll be in a mess now
Hi xxxxxxxxxxx
-
lightbulb moment!
I have had my head in the sand for too long... I have had bills returned unpaid for a little while now and only talking to creditors if they themselves phone. There are days when I cannot afford to go shopping. I wake up at night thinking about it. And yet at I am typing this out on my Apple G5. I have just had my morning…
-
my story!
ok, just wanted to tell you all how ive repaid my debt! (hope this is the right place) i got into alot of debt back in 2004, and realised there was a problem in august 2004 (just over £19000 in a personal loan and £2000 on a credit card (limit £1800) ) i was in a relationship with someone who just spent and spent, and i…
-
How do you do it? Please help (SOA now included)
I am in a bit of a pickle at the moment. Having been debt free for years, all of a sudden I find myself in a bit of a mess, and getting stressed out about it. I have a couple of loan payments, the credit card is mounting up, the overdraft is accelerating away from me, the mortgage has gone up, the utility bills have…
-
I'm going to open my own DCA
It will be called the Debt Cancelling Agency. Every time you get a letter from a real DC it will be automatically sent to you. The advice is as follows; 1. This debt is uncollectable. If it was then your bank would already have collected it. Send a request for the CCA. 2. What they threaten is inversely proportional to…
-
It's going to be an expensive week!
My little nephew was born this morning! I'm so delighted, he is a long awaited bit of joy in our family. The last few years has seen a lot of deaths including the 2 most amazing women (our mum and our nan, both on the same day, 4 years apart). So, It means a trip to see my brother and his wife, a gift and some flowers for…
-
Debt free date Dec 2008
I've done it! Mnaged to use microsoft money today. I have tried brfore but could never get past the 'setting up accounts' bit. I skipped that today to do a budget planner so i can keep track of what we are spending. I have been using a cash book and it's been getting really confusing:mad: I entered all my outgoings and my…
-
Cheap dog food!
Hi, Completely new to the forum but thought I'd save a great money-saving tip for all those with big dogs and small budgets! I used to work in the dog food industry and know this can help you to slash your feed bills without slashing the quality of your beloved pooch's meals! Let me start by explaining that most dogs in…
-
Can they do this
Halifax have today taken some money from a current account £400 to pay some arrears that I have on two of their credit cards. Have they acted correctly because although I am 2 mths in arrears I have been in communication from the start and have answered all phone calls. I think they are acting irresponsibly and that just…
-
Spectrum Financial
Has anyone had dealings with this company. I am currently using them as my debt mgmt company but 6 mths into my informal agreement - there level of service is pants Interested in hearing from any others out there who have similar horror stories.
-
Studio catalogue, HELP!
I got my studio catalogue statement this morning, they say I missed last months payment (I didnt receive a statement last month) and have added a £20 admin charge. My balance was only £28 and now its gone up to £48 with the charge. How unfair!! Should I challenge them? How could I pay it if I didnt get a statement.
-
Sorry, need some help.......(The student loans company).
I haven't been keeping on top of things this past 2 weeks due to illness anhyoo I shall get on with it..... Now, my DH owes the student loans company £6000 just about. This would have been deferred but he missed filling in a deferrment form (his loan is an old one). At the time we had been homeless, all over the place etc…
-
Anyone fancy a quick drink, im on nights tomorrow so will miss the reg Sat party !
Ive just opened a box of wine, Im not in work till 19:00 tomorrow, so intend on polishing it iff. Anyone fancy a glass ? Oh, BTW - Got my contract for new job today & have started BKY online forms ... yippppeeee.... Mikey x