-
Frustrated and Stressed Out
Hi. I'm a newbie to MoneySavingExpert. I just don't know what to do to help our situation anymore. David and I are in our 40's. We have been married for almost 4 years and have two small children. We started off with nothing, and four years later still have nothing. Any money that we have come across seems to have just…
-
Divorce settlement please help
A friend of mine was married in 1994 for 11 months. During this time they did not have any children. Whilst he was married, my friend lived in his wifes house, he paid all his wages into her account and was given a daily spend of £5. He got divorced after the 11 months in1995 due to their differences. During the 11 months…
-
50K in the red - need advice to re-organise ASAP
Dear All, thankyou in advance for any help you may be able to throw my way. I am 26 years old and now owe 51,000 pounds in unsecured debt. This was borrowed to finance my airline pilot training. It has taken me 4 years of study and training to fuflil my ambition and to achieve the licence I now hold. Throughout this 4…
-
Bankruptcy - yes or no?
I am finally coming to terms that maybe the big "B" is what I should go for. I am a client of the CCCS and have taken their advice but I would really appreciate the views of forumers too. I have £11,886 of personal debt. This is made up with £5k on a Welcome loan, £2,750 Abbey o/d, £1,500 unpaid tax bill, £1,095 Telewest…
-
My Debts
Well looks like their aint light at the end of the tunnel! My car failed MOT and cost me £625 to repair including the new tax disc which is also due but have paid for! So this has cocked everything up.....Why me I ask! So now; TESCO LOAN - £69.42 PER MONTH (£5000) over 10 years at 6.4% with PPI BARCLAYCARD - £1500 at 5.9%…
-
Outstanding Debts
Hi, I have some outstanding debts (Credit Card, loan etc) and they will be paid off in May if all goes well. Once I've paid these off I'm looking to get a loan to buy a car. When the bank does a search to see my outstanding debts will the debts that I paid off show as being paid off or is there a delay to it showing on my…
-
Answers to questions and an update
Hi all thanks for your advice Phone- we are with BT and since yesterday will only be paying them line rental, have joined mother in laws 18866 thingy and calls are 0p a minute!!!! Phoned Sky last night and is getting turned off on the 17th...so will be bored but suppose i can read and walk my dogs a bit more!! My total…
-
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…
-
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…
-
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…
-
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…
-
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…
-
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:
-
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…
-
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…
-
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?
-
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…
-
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…
-
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…
-
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…
A place for MoneySavers to share their journeys towards debt-free living.
8.9K discussions
1.7M comments
Most recent: Milann’s mutterings through retirement by milann
Today at 1:38PM
Forumites help each other push down their debt by setting challenges and encouraging each other to achieve their goals.