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I did it befor but now
I successfully reclaimed my bamk charges from Lloyds TSB :j I have also now got my budget under control BUT:mad: LloydsTSB have got me in a ever increasing spiral of charges as each month There charges send me over my agreed overdraft, next months charges have gone over £200 already, I am going to CAB tomorrow as talking…
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New SOA - Please do what you can
Statement of Affairs and Personal Balance Sheet Monthly Income Details Monthly income after tax................ 778 I'm currently looking for a higer paid job Partners monthly income after tax....... 930 Benefits................................ 0 Other income............................ 0 Total monthly…
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Desperate but need help cccs Debt remedy
Hi I followed a link from this site and went onto the CCCs Debt remedy site. Filled all the information in , they then came up with a debt remedy for me which entailed me paying them £65.oo amonth and will clear my debts in 6 years Has anyone had any dealing with companies like these and what are your feelings about them.…
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Not sure what to do
Hello We are in a lot of debt at the moment, which we are currently trying to pay off, however my hubby lost his job (hes ok got new one now) but we are constantly playing catch up from the months he wasnt paid for. so where as we were slowly getting somewhere we are now not. We have a car we are trying to sell (well part…
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50 k in debt
Hi all:beer: Ive just called Churchwood financial for help and it seems to good to be true. I need help or I will go bankrupt soon Out of 10 - how would you rate Churchwood? - Ive tried CCCS and the website said that they cant help me as Im self employed Please help Regards Neil
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"Equidebt"
Hi Don't know if this is the right place for this :confused: My Dad received 4, yes 4(!!) letters from these this morning saying he owes various amounts from a Co-Op bank account - but he's never in his life had a co-op bank account:confused: The person on the phone has been really un-helpful and won't say when the "debt"…
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What to do next???
Hiya!!! I sent a cca request to Gothia who i was paying a debt of Littlewoods. Today i have had a letter headed by Littlewoods which reads: "Unfortunately we are unable to locate a copy of your agreement... but for your information we enclose a copy of the current agreement which applied to this type of account. This…
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My SOA
Monthly Income Me £200 ( is all the business can pay me ) OH £1500 Outgoings Mortgage £600 ( I think will check this ) Council tax £70 Electric £120 Gas £40 Water ( not sure ) Phone £50 Mobile £20 ( pay and go..essential for Biz ) Tv Licence £11.95 Sky £35ish Internet £15 Groceries £100 Clothes 0 Fuel £160 ( oh drives a…
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Sticky situation...
Hi guys - long term browser, first time poster! Let me briefly explain my situation. I am 20 yrs old and in June 2006 I bought a second hand car which set me back £14,500 - I put £2000 down as deposit and got the rest on finance. At the time I had a lot of disposable income. I have worked full time since completing my A…
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Has your bank used a court order to turn unsecured debt into secured? Get paid £75!
The Sunday Times would like to speak to someone who has been hit by a "charging order", one of those court orders that banks are using to turn unsecured debt into a debt secured against a borrower's home. Ultimately, they can be used to repossess a home. The can offer an appearance fee of £75. If you'd like to get…
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Help!
Hi I am currently struggling with my OH re debts. I currently have about £6k on CC's and a £2.5k personal loan. My OH wants me to pay off asap and I agree with him but where we disagree is that he thinks my entire salary should go towards this (he forgets that there are DD's coming out for loan, childcare etc etc). My debt…
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Council Tax - Notice of Distress threat! ... PLEASE ADVISE
Council Tax - Notice of Distress threat! ... An unbelievable council (who shall remain nameless for the time being) have caused me & my family a lot of stress today. I want to share our experience with you ... Brief history ... In the 10 years that I have owned a home I have never had an issue with paying Council Tax. We…
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Abbey just sent letter saying overdraft expired and ....
they are not renewing it! :eek::eek: im in panic mode now...as i fell of debt free wagon and have been using the overdraft religiously every month ...i know i know u dont have to tell me!! :o :o:o Anyway, i phoned them up and they are willing to keep the overdraft open if i return debit card and pay an agreed amount every…
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Debt Remedy on CCCS for non uk national
Hello, I was trying to use the debt remedy online. So that i can fill out information online and get the ref. When i click on the option uk citizen -- no (Yes / No). It directed me to a number. Does CCCS only for UK national ? Who will help for non uk nationals? Please advice. Thanks
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The Getting Myself Sorted Thread
Right, thats it...had enough of this mess of a life of mie, so tonight is the night that Im going to take stock, my act together and get my business, my finances, and my personal life sorted. OH and I are about as broke as we could be, and we shouldnt be. These are the years when we should be out enjoying ourselves, not…
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on the road to repair!
had 35k worth of credit card debts really struggling contacted www.ukconsumerdebtline.com and have really helped. If you've got debt problems give them a bell!
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Where do you keep all your paperwork?
:wave: Hiya gang, We bought a new (to us) table and chairs this week and so we reorganised the dining room. Our fairly sizeable, solid pine, 13 drawer merchant chest is crammed full of paperwork about credit agreements, statements, insurances, tax, payslips, etc and I feel it's a bit of a waste to have a whole piece of…
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Need Help please lookin for debt company to help me with debt
Has title says wanna consolidate my debts all into one and help and advice greatly apperciated thank u in advance
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IVA help
I have an IVA and may be coming into some money. Potenitally it could be enough to pay off almost all of my IVA. I'm not very wise when it comes to savings and I don't really even know that much about my IVA. At the moment the insurance policy hasn't matured but when it does my sister and I could receive a lump sum of…
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Iv sent CCA requests a couple of days ago, but didnt send them recorded delivery.....
Should I resend them? Will this confuse the days theyre mean to reply by? Or should I just wait and see? Also, I forgot to write on the postal orders, who they were for. Does it matter? Thanks