2009 February | Survivalist Chronicles

From DVDs to homes – the fascinating art of the swap!

Everyone is swapping! From unwanted DVD games to DIY skills, whatever you want, you will find you can usually swap for it! The world is changing and we don’t need money to live in it. Hallelujah!

Once we’ve discovered the items we want to swap what happens next? According to the article “The art of swapping [...]

Is it possible to combine my personal loan with a mortgage?

MJ asked: I have a personal loan with the bank for £15,000. I want to get a property, but I know I won’t be able to get a mortgage and pay the loan at the same time. I therefore wondered if it would be possible to incorporatre the loan into the mortage, so I basically [...]

What happens to a credit card debt if I die?

delroyd asked: I have some outstanding debts on credit cards and am being hounded to pay in spite of me calling the companies to say it is a temp cash flow problem they are bombarding me with phone calls (especially over the weekends) which means I can’t relax or sleep and I don’t feel [...]

What is the difference between full loan and half loan on a horse?

Chloe M asked: Right im looking at getting a horse out on loan but i want to know the difference between full loan and half loan. it would be great if you could answer..thnxs for your time x

We want to get our house repossesed as we are in rented and about to go bankrupt, is this possible?

daisy asked: We have already moved out, I am already bankrupt and I want my husband to follow. We are in negative equity on the property. Anyone done similar?

what options do i have if i cant meet mortgage repayments?

Petit Chou asked: mortgage repayments are costing me 50% of my wages, then theres the domestics like water and council tax and thats before food travel expense etc…whats the procedure to pack in my house with regards to A: what do i owe and B: who will rehouse me?

I need help finding a personal loan for people with very poor credit?

Holly P asked: I am needing a personal loan that is legit and not wanting a bunch a money upfront. I want throught that already. I need to get out from under paydayloans. I am paying so much on them that I will never be able to get back on my feet. [...]

Is it possible to get a mortgage with a bad credit history?

Charlotte M asked: I am currently paying back some store cards and credit cards with which I got into a bit of a mess a couple of years ago! However me and my partner have been thinking of purchasing a house. I am worried that I won’t get a mortgage due to my bad credit [...]

is there a bank that will open an account for an undischarged bankrupt?

ddorianlewis asked: I am about to be made bankrupt by the Revenue.I owe over £200,000.00.I believe that when a bankruptcy order is made my bank accounts are frozen.Since for what little work I now do I am often paid by cheque I want a safe vehicle to bank money received and pay bills.

what happens to credit rating if you go on a debt managment plan?

jjp asked: I have debts of £10000 just on credit cards, i have no mortgage, just privately rent. My wages have just halved in size and am unsure if i can pay the £260 minimum payments on the cards. What would happen to my credit rating if i went on a debt managment plan?
I would [...]