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my SOA
Well, here it is: Incomings: My salary - £100 p/w (maternity pay) Partners salary - £398 p/w CTC - £21.60 p/w until feb ’08 then £9.20 p/w CB - £30.20 p/w (we get both CTC & CB paid 4-weekly) Total - £549.80 p/w = £2382.47 p/m Outgoings: Council Tax - £66 EDF Gas - £10 (but we usually end up getting £50-60 back each year…
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Credit Files
Hi everyone I just have a question about the three credit agencys, is there a main website that allows you to view all 3 of your files from all 3 of the agencys? Or do i have to pay for each file individually? I would like the Equifax one, but i think it costs 15 pounds a month? Thankyou
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A kick when needed!
I so needed to hear that!
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Problems With PayPlan
I was wondering if anybody else has been experiencing problems with PayPlan in the last 6-9 months? My problems (in short) started 5 years into my arrangement with them, I had a great case officer, who was supportive and helpful and made sure that my creditors knew exactly what was going on and kept my income/expenditure…
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Advice on overdraft please
I am new here and a self confessed ostrich when it comes to finances...until now that is...needs must so I am looking forward to joining the community of savy money savers! I've checked Martin's advice on this site once or twice before and it's been great (thank you!) but I am unable to find the answer to this one so I am…
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Any MoneySavers on Facebook?
If you are please read this posting Martin
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Threatening Email from Egg
Got an email from Egg this morning (see below): 'We have received notification from the CCCS that you are preparing a debt management plan, and they have also provided us with your client reference number. I need to make you aware that once your accounts fall into arrears they will be issued with Default Notices and then…
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finally sorting it
Ive known we were in debt for a while. It started 4 years ago when i found out that my husband had got us into debt. It caused fights and we almost lost our marriage. However another child later....we have 3 now (she's 13 weeks old) and I am so skint. I have 23k debt .....my husband has 30k debt and we have a house worth…
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Im might be missing something here.
I have already started claiming back my chargers from my current bank - Nat West. I have another account with LLoyds TSB (we moved because the chargers was killing us - it got no better). Most of our debt is credit cards - can we claim back the chargers on them? If so can I state that any refund be taken off the ammount…
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Newbie require help
Hi everyone, after spending a few days reading all the posts on here, i conclude that this seems the place for me ! So here we go, Income £1500 +/- 100 (Overtime) Not regular. Credit Card 1 Lloyds 14500. max 15k 310pcm 1.277 purchases 2.075 cash Credit Card 2 MBNA 1900 max 3000 72pcm Not Sure APR Secured loan Firstplus…
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Ok so now what?Lost!
Slowly it has been dawning on me that we need to really sort our spending and debts out.I'm shocked at the amount of money we spend on things we don't need and by the amount of debt we have :o I just can't seem to get my head straight.How do we get out of our OD zone,pay off the stupid amounts on credit cards. I'm just so…
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CCJ and N245 variation of order
Hi Has anyone apply for a variation of an order using form N245. Which court do I sent it to? the original claimants court (Northampton) or my local one? thanks for help ona
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DFW - What have you spent? 26/04/07
Good morning guys & girls. Its 4:28pm here so just coming up to the end of a work day, hoorah!! What will you be spending today? So far I have spent $0.00 - and dont intend to this evening, or tomorrow.. If you dont want to read about my trip, avert your eyes now. ;) Have a good day xx…
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I want to be debt free......
Well basically I have been lurking in the forum for months now. I know that I am in debt but I still want all the good things. After a major splurge this weekend which has put me heavily overdrawn. (well will be in about 3-4 days when all the payments have gone to my bank account)I have decided that I cannot carry on any…
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paying loans after becoming disabled
hi people, wondered if u have any help for me as im in a bit of a problem, i injured my back about 2 years ago lifting and havent been able to work since and cant see me doing in the near future. i was 22 when i did this and have had no trouble with my back before this injury, about 6 months before this injury i got a loan…
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Want to pay but we're not getting a response
We’ve had a problem with our current account (the thread’s on the Banking & Current Accounts board, if you get really bored one day) but, in a nutshell, we now live in Central Africa, and our bank stopped paying our 3 direct debits in January 2007. We’ve managed to contact 2 of the dd recipients and these are now back on…
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Please help :(
I'm in a bit of bother-please help me guys!?It's regarding council tax and a recent baliff visit. I have got existing council tax debt from my previous property, obviously they took it further and passed my debt on to a recovering agency when I missed payments. A company called Rosan Heims in Croydon. It wasn't until early…
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Wage Rise
I'm really hopeless at working these things out so looking for help; I get a wage rise tomorrow go from £29376 to £30036 (£660) was wondering how much extra per month that'll be after NI Tax and 6% super ann? Then in Aug I get another go from £30036 to £31707 (£1671) wondered same as above. I'm hoping that from Aug these…
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Snowballing?
Sorry if this question as been asked a hundred times before, but i wondered if anyone could shed any light and give an example of what snowballing is? Thanks in advance x
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26.4.07 what small dfw/mse thing will you do/have you done today!
Hello! We all know that the big changes can make an instant difference to our finances, eg cutting up the credit cards and cancelling Sky or the gym membership. But once we have done all the bigger stuff it is sometimes hard to realise that we are still doing DFW stuff each and every day! They may be small things but they…