-
Feel like i have been totally conned!!!!
Hi peeps, Finally, after about 6 months of trying I have finally got my Cahoot Details reset. It turns out my "flexable" 6.5% loan has ballooned to 13.5% :eek: :eek: So of the £50 a month I was paying, £23.30 was going in interest, so that leaves me with more to pay off than I thought. So of the 3K I borrowed 4 years ago,…
-
Doorstep Lenders
It's not just us who think so then! This from BBC. The Competition Commission says that home credit customers are being overcharged on loans. The Commission's been investigating the industry and has released its provisional findings this morning. It says that doorstep lending is not a competitive industry, resulting in…
-
What Have You Spent Today Wed 26/4/06
Nothing YET for me - just starting thread. Will update later on my progress!!
-
Wish I'd found this site sooner
I guess I could describe myself as a debt free wannabee. Debt has existed around me since way before I was even born as our family was always close to the breadline, and it really is just a constant cycle. Over the past couple of years my wife and I have focused on getting rid of all our combined debts - we had a total of…
-
Noooo!!!! Site upgrade?!
Argh! What am I going to do tomorrow? I've got into a real habit on having MSE on whilst pottering about the house (off work til next week). It'll be like cold turkey without my lifeline tomorrow afternoon! :eek:
-
bankruptcy experts??
Hi me and my wife are in around £26k of debt we own our house but have bad mortgage arrears, we are considering bankruptcy but we arent sure what will happen with the house. We are now both unemployed as the factory we worked in closed down and we have been advised that due to my wifes depression the best thing would be to…
-
What Have U Done 2Day That is DFW Stylee Wed 26/4/06
Again just starting thread...will update later...good luck all.
-
possible good news
Hi, i think that i may have been given a pay rise!!!!! Yippppeeee. :j i had to enter some payroll info onto the accounts today and it looks like i may have one. I just don't get why my boss hasn't told me yet. I guess i'll now for sure on friday when i get my salary Lem
-
good afternoon DFW
i just wanted to say helloand had to come and post and say i have found this site very helpfull and say thanks. i just got the courage to post.since reading the posts i feel i have started to get things going in the right direction to DF i loved the ten comandments <sp> the other day cheared me up and i even got my partner…
-
Discounted Mortgage Rate
Hi All, I overpay my mortgage every month in a bid to be mortgage free ASAP. My two year discounted rate of 4.74% is soon to end and my interest rate will increase. My question is - I have about £10000 left on my mortgage and would like to switch my mortgage to another lender or deal to get a better rate. However, I have…
-
Advice needed from someone that understands credit reports!
I've just had my report through the post and there are some errors on there. Nothing major, just my date of birth is listed wrong from when my employer did a credit search on me - but its shown wrong 6 times. It's also listed incorrectly by Orange. Also 18 months ago I was late making a payment to Tesco Finance. Not my…
-
stop the world i want to get off!!!
love these chat rooms but need some goooood advice basically out of work few weeks, debts mounting up letters through the door dmp done but being ignored by creditors..i am renting from H/A and wanted a move on medical reasons..Dr sent 2 letters, letters sent from Womens aid and a councilor i have to see on a weekly…
-
£14062.71
hello all. hate to make my first post a beg for help, but that is what it is. i am a student (first year again, just doing exams now) of 21. i am also a seriously addicted gambler, and am going to g.a. next week to get some help. basically mum found my box of statements etc yest and hit the roof. i owe in total £14062.71.…
-
All is Quiet!
After writing to tell all our creditors that we are in a bit of a financial mess and please give us 28 days as we are talking to CCCS (including the ref no) it has been remarkably quiet! we've had one letter - which to be honest was a very nice letter and from wot was being said about them on here you wouldnt guess it was…
-
Site with financial problem template letters
I've been to a site at some point that had some great "I'm in financial difficulties, please stop charging me interest and charges while I sort out what I'm going to do" templates. Can anyone point me in the right direction?
-
GE Money - Admin Costs
Hi I am sure someone on here will know the answer. I am sending my claim for bank charges to Capital One tomorrow after paying £10 for the 6 years statements. Now my question is I have also sent a letter to GE Money and they sent a letter back today stating that to cover admin costs a charge of £0.50 will be applied to my…
-
£25 a week food shop is this possible?
There are only 2 of us so i have allowed £25 a week (i normally spend about £175 a month at least!) and have 2 cats is £25 a week possible to live on?! :eek:
-
How to start reclaiming bank charges
Hello.Ive posted a note the other day on this but i forgot to ask something.A quick run down,been self employed for 5 years bank charges gollore rougly around 3 grands worth in 5 years.Registered to the action consumer group what ever it is but dont understand what to do.Ive seen the pre made up letters to send but which…
-
Switching Gas & Elec suppliers, bad move?
I recenlty switched my electric and gas suppliers from British Gas to SWEB energy, as SWEB were much cheaper. However, I got my final bills from british gas, £102 for Gas and £60 for electric! i did this to save money, not I have to pay £162 out in a oner! I should of just kept with British Gas, was I stupid?:mad:
-
bank charges
Hi everybody.Ive been looking at this unfair bank charges scam that was posted on this site and seems like people are getting there money back.The thing is ive been self employed for 5 years and forever getting charges just because a payment went in a day later than the direct debit was supposed to ect.It says you can roll…