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Struggling with bills, is there light at the end of the tunnel?
Hey, i've had a quick scan over a number of threads in this part of the forum, although not all. I have found myself in quite a tricky situation, I lived with my gf for 18 months, a large part of which she was unemployed. As a result pretty much most things like rent bills etc came from my salary. I now find myself single…
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Advice on debt consolidation ?
Hello all, I am looking to consolidate and pay lower interest on my debt. I have just paid off my credit card (yeah!!!) so now I am left with : -3400 at 14.9% on an HSBC personal loan -1500 on my overdraft at also 14.9% Ideally I would like to put the whole lot on a o% card, but was rejected for an Egg card. Now awaiting…
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Know someone who needs a Martin Money Makeover
I'm working with a production company to film a new programme. We're looking for a case study to film next week (gulp). Now let me be honest what we're looking for is something specific due to the nature of this programme). This is a makeover for people who aren't in debt crisis, but are just pants with their cash, they're…
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CCCS, Low Start Plans, Sell my house what to do??????
Hi all i've posted here before re payplan and the bad time we had with them, which i won't go into now cos have posted it all before, so decided to cancel our existing payment plan with them. It wasn't working for a number of reasons, but was recently made even worse by our income being virtually cut in half due to my…
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Can anyone see anything wrong with this cunning plan??
My son has come home from school today with news of a school trip to NY next year. We would really like for him to go - we've already told him that it will form a large part of his Christmas pressie if he does go - and so we would need to start saving for it. I've estimated that we'll need to save about £20 a week and…
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Payplan Debt Management Co.
What does anyone know about a company called Payplan, althought they say they are a debt management company, they claim to be a charity and say they charge no fees at all, can this be true? :confused:
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BANKRUPTCY long post please read
our son (36) is a client of CCCS and is to see them tomorrow and start bankruptcy proceedings,4 years ago he was a young man with a good credit history, job and on the way to buying a home with his partner of 11 years, disaster struck when his partner was diagnosed with cancer, he gave up his job to look after her during…
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in debt and dont no where to start
Okay Im in the same boat as comeonthetic cept its my hubby that doesnt listen about debt,he doesnt realise anything is wrong until im about to crack under the strain of it all,an by gawd have i been there a couple of times and it looks like im in trouble again.We have about £20000 in debt and need to turn it around so that…
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Adding money to mortgage without remortgaging?? How do you this??
Hi everyone I read in another post about someone talking to the RBOS about getting extra money added to their existing mortgage. Could this work in my situation? Please see my previous post for details but basically in £22k worth of debt. We have a mortgage with the RBOS and have never missed a payment. Any advice please?
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the blackhole of debt
Hi everyone I am hoping that someone is able to help me with my spiraling debt problem, i have used the site already to get my usual bills as low as they will go however i still have a ways to go to make ends meet. (this feels a bit like DDA - Deep debt annomius) i currently have debts of £11k and have no real way of…
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Urgent Help Required
Hi everyone, Does anyone have any experience of the Credit Checks employment agencies or employers conduct as part of their pre-screening process. Unfortunately my husband has been un-employed on and off for a couple of years which has led us to get ourselves in trouble financially. As S**s law dictates two things have…
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Debt Repayment
Hoping that somebdy can point me in the right direction, When i spilt up from my ex i also fell unto debt, after they had built up i went to a debt managment company. I have been paying them £100.00 per month for the last 5 years and they on my behalf are paying my creditors. My mother has said that she would pay them off…
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Giving away assets ?
Sigh....my mother (who is now in her 70's) has just received a phonecall from her younger sister telling a tale of woe. She and her husband have racked up a load of debt and apparently the bailiffs are on the way. He wants to sign his car over to my mother and then loan the car back to them. My mother is owed money by this…
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Debt after 15 years
I received a letter on Saturday threatening me with bankrupcy if a debt of £1300 was not paid this week. After speaking to the firm today they said they would accept £900 if paid quickly. It is regarding a car that I had in 1990 but sold on. I have no paperwork regarding this debt and cannot remember what happened. Am I…
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Urgent! Advice Please...
...with regard to credit card debt and associated bank account; We have a joint bank account (with almost up to the limit overdraft) and I have a credit card debt with the same (Llloyds TSB). My husbands saary goes in there, I don't have an income now except tax cdts and cben. My questions are; 1) does anyone know how…
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DMPs: Capital One and Amex
Can anyone who has any experience of either company and Debt Management Plans post details. Please mention whether you were DIY DMP or Fee Free or Paying Fees. Many thanks
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Update on Story So Far.........
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What do people think of this....thoughts, opinions please..
Hi I just realised I had access to this great site from work today and so can read the posts - didn't think I was able to before but anyway here I go!! I just wanted to get peoples thoughts, tips, opinions on my situation and share my problems and the things that matter to me. I understand that there are many people on…
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Old Debt
:confused: Hello All, I wonder if you could advice me. I left the country in 2002 and have come back to a £ 6000 debt. I have contacted the three companies I owe money and they all want me to go through a pay plan with them and set a minumiun amount I can pay them every month. Is it better to go ahead and deal with all the…
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Some of you may be sickened to read this !
Go on, admit it, how many of you opened this thread because you wanted to read something that was offensive? Anyway. For the first time ever in my 10 years since leaving university i am going to be DEBT FREE !!!!!!!!!!!!!. This is certainly a case of dark cloud & silver lining. At the end of a hellish 6 months, the start…
A place for MoneySavers to share their journeys towards debt-free living.
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Most recent: Here Goes...Starting Up on a Journey by dawnybabes
Today at 10:38AM
Forumites help each other push down their debt by setting challenges and encouraging each other to achieve their goals.