-
MBNA have accepted offer!
After months of phone calls on a daily sometimes 2 or 3 times a day basis and 2 default notice letters I have had a letter from MBNA today. They are willing to accept my offer of £186 per month (not far short of my monthly payment on what was a £11,000 credit card bill before they added all the charges). They have also…
-
Money budgeting Software
Hi, Does anyone know a program that can help keep track of your montly spending. I have been using a Works Spreadsheet, but I have errors in it and its confusing us. What I would really like is A list of possible outgoings, that I can tick of when they get paid. A amount of how much we can spend to stay within budget? Any…
-
Short Settlement - Please Help!
I'm within a hairs bredth of being debt free. :j The fly in the ointment is Rockwell Debt Collection who have taken on an old M&S debt. I offered a verbal settlement on the phone and they came back to say it was approved by M&S and could I pay by debit card over the phone there and then. I couldn't and asked for…
-
Another bank charges thread..
Ok.. a friend of mine has asked me to help her reclaim bank charges for her but i'm not exactly up on it all. After looking at some of the sites it seems easy enough, request the statements, write the letter demanding the money back then take them to court etcetc. She's applied for her bank statements and received them -…
-
Securing unsecured loan
Hi everyone! atlast I am posting my problem after scouring over a lot of others problems. Well I had been to Natwest with whom I bank (my husband inclusive) to apply for a loan of £10000. Although the loan was approved in principle online, as we are not permanent resisdents of this country we were turned down. Does anyone…
-
Where to put overpayments?
After looking at toomuchdebt's thread and playing around with figures I've realised how useful Money can be and that the snowball site is not helpful for a lump overpayment, so am offering mine and it's services to you DFWs :) Just post the usual - debt amount, apr, min payment and the amount you have to overpay and it'll…
-
Just some advice on heavy debt
Hey y'all, New to all this but I guess I am posting this cos you never know when someone out there may know something you don't. I am a 28 year old guy who has made some bad choices in life and had a bad run of luck (I worked at sea and rented out my flat to someone who then stole my identity and sold my flat pocketing…
-
Young Couple with no income and small debt
My son and his partner (and baby) have been strugglin along on his small income since they had their baby in January 2006. They were paying off debts my son racked up when 18 or 19 years old (about £6000), and now my son finds himself unemployed and unable to find anything in their meagre budget to spare for his creditors.…
-
What makes me sad
just been sitting and thinking about this for the last 20 mins...also spent 10 20 mins or so reading on the loans and creditcard boards You can allways tell sometimes when people are pre lightbulb and in so much debt they are trying to take out a big longterm loan. So wish i could force them across to this board and give…
-
What did you spend today, Friday 25th August?
Today's pay day :j I treated myself to a latte - £1.45 How about you?
-
Student loans (Scotland) - does the "six year rule" apply?
Hi, just a quickie really, Is there a timeframe in which the student loans company have to write off your debt? I've not heard from them in years, maybe 4 or 5, and was wondering if they'll eventually realise and come after me in 20 years time or not. anybody know?
-
finally opened those statements...
hi all, thanks to you all i have finally opened those bills and statements ive left at back of draw unopened:sad: some of its interesting NOT ! :eek: But i now feel in control and will shortly post my SOA up here. If im careful will be able to pay off fairly soon - i could always afford my monthly payments but it depressed…
-
People who need a good slap
http://news.bbc.co.uk/1/hi/magazine/4790079.stm I could rant about this, but the article says it all.
-
G.C.S.E. results - Will cost me a fortune!
DD has done fantastically well and got all A* in her GCSEs. She said weeks ago that her friends were getting £x for an A*, £y for an A and so on. We can't afford it and to be honest she tries really hard at everything she does purely for the challenge. I did joke that I would give her £50 per A*, but only if she got all…
-
Claiming bank charges – urgent question
Hi there all, hoping someone can clear up my confusion. I'm just sorting out a claim to Barclays for £320 in unauthorised overdraft charges which they levied on my bank account between October 2002 and September 2003. I understand that I can charge them 8% interest on this amount, and the spreadsheet I've used from…
-
Thank god it's friday
Not only is today the last working day for 4 days :T (we get an extra bank holiday with work) but it's also payday - so I can pay something off the debt! :beer:
-
Economics of Debt
Hi, I posted a thread asking for comments about my bankruptcy experience and the thread soon turned into a dicussion regarding the levels of debt in the UK and the impact changes in economic conditions will have on debt. I thought it would be interesting to hear what your views are on the subject. Factors to consider are…
-
Debt is not mine! - HSBC
Hi there, About two weeks ago my oh and I received a letter each from a DCA stating that we both owed HSBC over £20K on a current a/c and it had passed to them.:eek: The a/c was a joint a/c but the debt in question was not on this a/c but on a loan my OT took out - I had no dealings with it. The story of it is... The OT's…
-
Could someone offer some advice please? (Bank Account - Bad Credit)
Im not sure if im posting in the correct section so forgive me if im not.. Im just looking for some advice.. My partner has a 'fairly' well paid job (for this area!) and went in Barclays to open up a Bank Account in January and they just offered him the most basic account you've ever seen.. he had no choice but to take…
-
Redundancy - Mortgage Question
Hi guys will thank all who give constructive advice. Found out today that I am being made redundant in April 2007 with £50k sweetner and £150 pension per week. Now I have no other debts than a £75k mortgage. Do I pay as much off at once or use the money elsewhere. There is little chance of me getting another job with the…