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Best Of
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Re: PCN received from ECP @ Church Street, Maidstone - help with landowner & signage
Thanks for the heads up @Coupon-mad, you're right, I had no idea about this. When I put all the evidence together I will send it on to the CMA! I've finally got my head around Paragraph 3 f…1 -
Re: My StepChange DMP setup - need advice on how to continue
OK Don't send token payments at the moment, honestly it is better to stop all payments until things are more sorted. A DMP is not a legal agreement. You have to realize you are in charge not you…1 -
Re: My StepChange DMP setup - need advice on how to continue
Looking at things in a different way…. are the debts reasonable? Should you have been granted the credit? Ok maybe the initial ones were affordable but what about the rest? Companies are obliged to t…1 -
Re: My StepChange DMP setup - need advice on how to continue
I self manage mine and it's far simpler as I can just adjust it however I like, having Stepchange involved is just an unnecessary complication in what is a very simple process.1 -
Re: My StepChange DMP setup - need advice on how to continue
I agree with the others that you tell SC that you are stopping. Don't ask. Then take the budget that was set up with them that said you could pay £930 a month. Check what is on there for you bui…1 -
Re: My StepChange DMP setup - need advice on how to continue
Hi, DMP`s are informal arrangements, you can start/stop or cancel altogether as you see fit. Stepchange are simply the administrator of your arrangement, they work at the behest of your creditors, wh…1 -
Re: Steadily climbing the mountain, enjoying the view along the way
Thank you 🙏 😊 KK4 -
Re: Steadily climbing the mountain, enjoying the view along the way
I don’t regret a second of what I did this month! 😊 Just the ££ amount that went out IN ONE MONTH to do them … 😉 I think I need a bigger ‘fun’ budget. What I assume I need and therefore budget for,…5 -
Re: September 2026 Grocery Challenge
Declaring for September at £375.07/£450, which I am pleased with. Now toying with figuratively tucking that into a "family contingency" kitty, as I know we will have all 14 of us here for a…8 -
Re: Nest pension transfer in to avoid 1.8%
then open a new vanguard Personal Pension ( they dont called it SIPP) and make any other one of contributions to this, to gain tax relief, and also invest in the funds I like. Its not called a SIPP b…1
