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Best Of
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Re: Retiring Early - Incomplete NI Years for State Pension - Options?
You'll only get NI credits if you qualify for a UC payment. If you definitely can't pay Class 2 don't rule out Class 3 voluntary as the ROI on that is still pretty hard to beat. IIRC, …1 -
Re: Token payments to DPC's pro's and con's
You have started a lot of threads so it is not easy to see the full picture at a glance. Have you made affordability complaints about the debts? Is there any equity in the house now? It is hard to pr…1 -
Re: Token payments to DPC's pro's and con's
I lost track of all the threads also but has an IVA been ruled out to protect your house? Or even a DRO if you have less than £75 left spare but you'd need to somehow get your debts under £50k t…1 -
Re: DCB legal fine.
OK, So wait for the inevitable N1SDT Money Claim pack from the CNBC in Northampton using MCOL to arrive in the post in the future2 -
Re: Where to start...
For the last few years I have been establishing and running a business around my family and earn under £10,000. Does this mean that you are no longer working for a school, but are only self-employed …1 -
Re: Token payments to DPC's pro's and con's
Unfortunately DRO`s are not available to homeowners, an IVA might have been an option, but currently the OP does not have sufficient disposable income to make monthly payments with, so no debt soluti…1 -
Re: What does "forecast" mean here?
I can't remember exactly where it is on that page (or another linked from it) but there should be an explanation that clarifies that the forecast figures already take contracting out into accoun…1 -
Re: Guidance on changing to a Self managed DMP / F&F settlements
Sounds like what Zable and Lendable are doing would be the good basis of an affordability complaint if someone signed up for the new card.2 -
Re: Guidance on changing to a Self managed DMP / F&F settlements
Hi Brie, Thank you, I will make sure to state clearly that I am revoking authorisation from the organisation etc I will do that with zable as well, thanks! I was mostly in shock that they could send …1 -
Re: 42 Year olds diary for last min retirement planning and debt free living
As far as I can see everything is covered here TV licence, Vehicle Excise Duty, dental check-ups, eye tests, flat maintenance/repair, haircuts, presents, charity donations, clothing, car repairs, and…1
