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Vent
I don't care if this is unsupportive - I just need to let some steam out. My O/H has the debts. Today I'm angry with him. Yesterday he got upset when a 'creditors notice' arrived. What does he expect ? We've already talked through what we're going to do and have a plan. Every time a letter comes he says ' it's me with the…
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How much have you spent? Tues 11/10
I've spent 39p on a carrot, an apple and a banana. Stopped buying pears as they are more expensive. Not planning on spending anything else today.
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Fast Answer required please
for a colleague : total debt £12k wage £22k to various credit cards and loan companies . 3 defaults and overall bad credit rating . no ccj's ... he's 20 and does not have any assets eg house turned down by , nationwide , liverpool victoria , halifax , lloyds for a 6k loan now needs a consolidation loan for 6k ..... could…
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Independent Financial Advisors - a good idea?
First off, please forgive me if this isn't the best section for this question. It seems to me that it is, but I'm new here and might have missed a more appropriate forum. I'd be very interested in the general opinion on independent financial advisors. I have a (quite low) mortgage, a bank loan and sizeable credit card…
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Ex taken out loan without knowledge
Hi all, I've just found out my ex partner has taken out a loan from the bank account we shared. I just wanted to know where i stand legally on this? I did not give permission to borrow the money from our joint account. I'm not quite sure how she managed to take out the loan but the loan has already come through. What can i…
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Critical illness cover?
Hi everyone, I would like to know your opinion on critical illness cover. i took some out a while ago its about 25 quid a month. This was because in the past both me and OH have been seriously ill(pnuemonia and heart attack/surgery) resulting in a major alteration in income and causing us to get into debt.We are now both…
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time to cut the budget - again
hi MSEr's help needed with my budget again. I have finally been made redundant and am looking for work now. In an attempt to not use all of the redundacy up i'm trying to re work my budget to make ends meet. I'm not working yet, but will do anything to get maoney coming in. Temping, christmas work etc. So at worse case…
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Bankruptcy advice needed - URGENTLY
Hi Well, where do I start. (Sorry, this is going to be a VERY long first post) My partner started up an insurance brokerage with a friend and his friend's dad 3 years ago. My partner was 21 when it first started, and obviously had no business experience whatsoever. He mainly concentrated on the IT side of the business,…
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Charging Order papers received
I have posted several times here regarding my situation with First National/Asset Link. Well, my husband and I have now received papers regarding Asset Link applying for a charging order, they have an interim one until the full hearing in November. We are going to appear and are in the process of filing a letter opposing…
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Natwest Default
Please help! I got a rather nasty surprise today after ordering my Equifax file which has a default present from Natwest bank for £1800 which I presume is the amount of my student overdraft. I have never received any communication from Natwest with regards to there being a problem with my account and spoke to a member of…
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never ending
just sent my completed dmp form back to cccs, feel a bit better in doing so. However i have been advised that it will take 28 years to sort itself out and that creditors will not wait that long and most will continue to add interest, so why bother with the DMP? I know what the likely next steps will be, more than likely…
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How do i pay for all my debts in one single payment?
I have 6 debts altogether and keep getting letters and phone calls from debt collection agencies. I can only afford about £40 per month between them all. Is there a way i can pay the £40 in one single payment :confused: I can't ask the courts for an admin order as i don't have a CCJ yet, so really what i'm doing is not…
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Logic Directors
Can anyone tell me how I find the directors names of Logic PLC. I rang the Office and they wouldn't give me the name/names. I am sure you can get the Directors names from somewhere? Thanks
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How do you feel when you spend money?
Hi guys, I'm not in such a bad debt, but I am very interested in the subject and have started to read this message board frequently and just started to post. I just want to say that I have experienced that on days that I don't spend anything I do feel a little bit better than on days when I shop and spend money. Even if I…
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How much did you spend? 10/10
Yo....... Im feeling rather chirpy for a Monday morning, the gym this morning probably helped (where's my halo?!!!) ;0) I havent heard from the 2nd job, i/v i went for on Sat - I have a feeling I wasnt successful, but oh well, at lease that means I'll still have my Saturdays free for the time being, hoorah!!! Saturday I…
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A lot of Money
I am in a huge amount debt (£35000) My outgoings are a mixture of credit cards and loans which total £1300 a month. My income is only £750 a month. I do however have a house which is worth £45000 and a mortgage of only £26000. I am now at the point where I cannot afford to make my minimum payments. Any adivce on the best…
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Credit card wont help us, What to do?
Hi, Myself and my partner have a number of debts that we have come to arrangements with each company. All of the companies have been helpful except one of them, and they refuse to reduce the interest. we can currently afford to pay £30 per month, but the interest is about £29 each month, so we arent getting anywhere with…
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Debt Company
Hi All I hope someone can help me here as I am getting pretty fed up with this. I had a joint debt with my Ex-Wife with Abbey National. When we split I was given all the debts to clear up. So this Abbey debt gets passed to a debt recovery company who chase me for payment. I paid them for about three years and reduced the…
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Debt free date ???
Hi i was wondering if anyone could enlighten me i have read a few of the articles and peoples threads and everyone seems to have a debt free date. I could someone please tell me how to work out my debt free date is there a website or something any information would be much appreciated thanks
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Proof of debt
My O/H has a debt which has just been sold by the primary lender to a DCA. It has been suggested, that without acknowledging the debt, we ask for hard copy proof that the debt is his. I assume that would be the signed loan agreement ?? Anything else ?? Has anyone got a template for this kind of letter ? Letters I've seen…
