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72k in debt....I feel sick
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If you have a scanner at home, scan it up removing your personal details.Click here for Martins (MSE) advice on who to contact with Debt Issues - YOU HAVE NO REASON TO USE A FEE PAYING DEBT MANAGEMENT COMPANY- THEY CANNOT DO ANYMORE FOR YOU THAN THOSE LISTED IN MY LINK ABOVE.
All information given by myself is offered informally and without prejudice - if in doubt seek help from a qualified and insured professional0 -
I will PM you the scan of the default tonight..is that OK? thanks!"happiness is...positive cashflow!":j0
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Yes OK, also have a look and see if they've sent you a termination letter.Click here for Martins (MSE) advice on who to contact with Debt Issues - YOU HAVE NO REASON TO USE A FEE PAYING DEBT MANAGEMENT COMPANY- THEY CANNOT DO ANYMORE FOR YOU THAN THOSE LISTED IN MY LINK ABOVE.
All information given by myself is offered informally and without prejudice - if in doubt seek help from a qualified and insured professional0 -
ok will do"happiness is...positive cashflow!":j0
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I am new and feeling very worried.
What do you do when you have no disposable income ?
I have written to my creditors with a template letter from CCCS and sent each one £1 token payment.
I have sent all the card and loan people CCA requests with £1 fee via recorded delivery 6 days ago and no replies yet.
Because my business has failed my OH and myself now in our 50s find ourselves in a terrible predicament.
We have very large debts mostly in my name.
We are mostly only 1 to 2 payments behind with each debt.
None of the debts is secured on our house thank goodness although their is one business overdraft with same bank as the mortgage.
Should I transfer house to my OH and go bankrupt?
We do have equity in the house but not sure if it would sell at a reasonable price given current housing market.
We are not as yet behind with mortgage or any other priority payments.
MBNA are hounding us via Aegis but I just dont answer their calls.
Can anyone tell me what to expect?
I also have a difficult business partnership [ informal ] to deal with and would appreciate a pointer to some help with that.
Can someone help me ?0 -
Hi LittlejessLittleJess wrote: »Can someone help me ?
Welcome to the forum, you'd be better of creating your own thread that way it'll be easier to follow and the advise will be for your own situation, this thread is for someone who has different circumstances to yourself.
If you want to know about going BR, post in this forum, it's dedicated to bankruptcyClick here for Martins (MSE) advice on who to contact with Debt Issues - YOU HAVE NO REASON TO USE A FEE PAYING DEBT MANAGEMENT COMPANY- THEY CANNOT DO ANYMORE FOR YOU THAN THOSE LISTED IN MY LINK ABOVE.
All information given by myself is offered informally and without prejudice - if in doubt seek help from a qualified and insured professional0 -
Thank you
I have posted in that forum
Littlejess0 -
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ok just PM'd the termination letter..fingers crossed you have that one"happiness is...positive cashflow!":j0
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just sent the default letter now"happiness is...positive cashflow!":j0
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