can anyone help? trying to submit my financial probs & seek advice but dont know how to enter my details. logged in and all that stuff, even read others probs but cant seem to get mine across. HELP
Hope iam in the right place for advice i was told to post on here avter opening a new thread this eveining.
Hi first time poster and not sure what to expect but here goes, iam 32 years old married with no kids i am currently not copeing with debts of around £31000 these consisit of over draft bank loans two credit cards and loan from family.
To say its a mess is a under statment i have missed last months payments on my bank loan £398 a month i currently have not paid the min payment on one of my credit cards for the past 3 months only paying them a token payment each month the other loan is up to date as is the credit card just but the loan from family member £7000 has not been repaid after i promised to start paying them a year ago.
My over draft is £1600 my loan from that bank is £1000 the loan from my previuse bank is £13000 my credit card is £7000 my other credit card is £2100 we currently rent our house all utility bills councal tax etc etc are paid i make sure all these bills are paid so we can keep a roof over our head, but the problem is the debts and my chances of getting on the property ladder.
Next week i have a oppointment with cccs to try and sort out these debts of mine i am willing to pay and want to pay them off but the current situation is i cant afford to pay back the minimum payments, iam now 32 years old my wife and i want children we also want our own home but with this scale of debt is stopping us.
I have also stopped paying into my pension coz the demand letters i got from creditors i needed to pay off arrers i feel i have let my wife down in so many ways and dont know what to do all i want from life now is to be able to provide secruity for my family i hope one day i will be able to do this.
Hi there.Please could you give me a number as a debt free wannabee. LOok forward to chatting to you soon
cheers
skollieal
Total Debt [strike]£37 007.40[/strike] £21,082.19
Nat West Loan [strike]£35 395.92[/strike] £19,263.40
Nat West Credit Card £1,818.79
Debt free July 2014Jan Proud to be dealing with my debts!!:]DFW member 316
Please could I also have a DFW nerd number, have heard loads about you and look forward to chatting soon. Thanx a mill!:p
LBM Feb 09[STRIKE] £64 427.32[/STRIKE] £13 700.59! Sub £15 000! DFD July 2018 GC 01Dec ~ 30Dec £40.00 SSF £00.00 NSD 00/20WSC (08~14) £13.59 SSF £00.00DFW Nerd 319 Proud To Be Dealing With My Debts! "Captain Jack Harkness! When will you learn that you can't solve every problem by shagging it?!"
All this chatting! must be seriously great being in such demand.
LOL Just noticed above poster's note similar to mine.
LBM Feb 09[STRIKE] £64 427.32[/STRIKE] £13 700.59! Sub £15 000! DFD July 2018 GC 01Dec ~ 30Dec £40.00 SSF £00.00 NSD 00/20WSC (08~14) £13.59 SSF £00.00DFW Nerd 319 Proud To Be Dealing With My Debts! "Captain Jack Harkness! When will you learn that you can't solve every problem by shagging it?!"
Hey. I'd love a nerd number-pretty please??. I'm here to get myself out of all this debt I've accrued as a student!! Oh, I'm super new, so hi!
Student loan £10,000, Overdraft £1,600, Credit card £500. Total £12,100. Whoops
£2.96 in penny jar. Gotta start somewhere. A smile costs nothing. DFW Nerd club member 318 Proud to be dealing with my debts!
Oh, and I owe my dad a tenner!!:rotfl:
Replies
Please can I join the gang? This site has just helped pick me right off of the floor and inspire me that I can turn my life around. Thank you!
Welcome aboard all! :beer:
Hi first time poster and not sure what to expect but here goes, iam 32 years old married with no kids i am currently not copeing with debts of around £31000 these consisit of over draft bank loans two credit cards and loan from family.
To say its a mess is a under statment i have missed last months payments on my bank loan £398 a month i currently have not paid the min payment on one of my credit cards for the past 3 months only paying them a token payment each month the other loan is up to date as is the credit card just but the loan from family member £7000 has not been repaid after i promised to start paying them a year ago.
My over draft is £1600 my loan from that bank is £1000 the loan from my previuse bank is £13000 my credit card is £7000 my other credit card is £2100 we currently rent our house all utility bills councal tax etc etc are paid i make sure all these bills are paid so we can keep a roof over our head, but the problem is the debts and my chances of getting on the property ladder.
Next week i have a oppointment with cccs to try and sort out these debts of mine i am willing to pay and want to pay them off but the current situation is i cant afford to pay back the minimum payments, iam now 32 years old my wife and i want children we also want our own home but with this scale of debt is stopping us.
I have also stopped paying into my pension coz the demand letters i got from creditors i needed to pay off arrers i feel i have let my wife down in so many ways and dont know what to do all i want from life now is to be able to provide secruity for my family i hope one day i will be able to do this.
cheers
skollieal
Nat West Loan [strike]£35 395.92[/strike] £19,263.40
Nat West Credit Card £1,818.79
Debt free July 2014Jan Proud to be dealing with my debts!!:]DFW member 316
Please could I also have a DFW nerd number, have heard loads about you and look forward to chatting soon. Thanx a mill!:p
DFD July 2018
GC 01Dec ~ 30Dec £40.00 SSF £00.00
NSD 00/20 WSC (08~14) £13.59 SSF £00.00 DFW Nerd 319 Proud To Be Dealing With My Debts!
"Captain Jack Harkness! When will you learn that you can't solve every problem by shagging it?!"
All this chatting! must be seriously great being in such demand.
LOL Just noticed above poster's note similar to mine.
DFD July 2018
GC 01Dec ~ 30Dec £40.00 SSF £00.00
NSD 00/20 WSC (08~14) £13.59 SSF £00.00 DFW Nerd 319 Proud To Be Dealing With My Debts!
"Captain Jack Harkness! When will you learn that you can't solve every problem by shagging it?!"
£2.96 in penny jar. Gotta start somewhere. A smile costs nothing.
DFW Nerd club member 318 Proud to be dealing with my debts!
Oh, and I owe my dad a tenner!!:rotfl:
welcome to the nerds club