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Total Debt - £0.00!!
:j Yeay!!! Got my student grant in and loan today - £2400!!!Woohoo!!! Paid off my Capital One and B/Card in total!!! and popped them in water and then into the freezer(doesn't hurt them does it??) Still got over £1000 left to pay for childcare for the semester and spending money for my uni field trip to Prague, and I can…
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Advice Please - Can't see the light at the end of the tunnel
Me and my partner have a house, probably about £30k equity at the most. I have about £10k debt at the most in credit card and personal loan. My partner had a business which went under and now has £60k debt as a result (personal loans and quite a few credit cards). He has now lost his job (that he only had for three months)…
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Why are you in debt, choice or necessity?
Why are you in debt? Through no choice of your own eg paying bills/rent, buying food to survive etc? or Putting it on the plastic rather than saving up? For me its a case of having to have something right now, if I want something rather than save up i'll put it on the creditcard and pay it off in bits. Probably the wrong…
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Something has hit the fan!!!!!
I thought I was doing well as we dont have to pay any money into hubby's a/c anymore, but I looked yesterday and realised that the mortgage didn't go through last month and it is unlikely to go through this month as we are overdrawn. Also the bank phoned me last night and informed me that if we dont keep within our agreed…
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charge on mortgage/6 yr rule/credit file please read
Hi I posted on here a while ago about the situation my partner is in. To cut a long story short it is as follows. Partner defaulted on a ccj which started sept 1999. Claimant put charge on Mortgage. 6 yr rule means debt was written off last sept, to coincide with claimant sending him a letter wanting £10k (ccj remaining…
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How much have u spent today? 09/01/2006
ive resisted the temptation of spending the 35p on the copy of the sun as it means i can save this money towards paying of my debt over the year will try and resist buying a paper for the rest of the year now :rolleyes: . how about everyone else what have u spent today?
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Yayyy
Morning all, Firstly, im back at work full time. It's not that great because for me it doesn't mean lots of extra pennies as i will be losing my housing/council tax benefit etc so wont be much better off once i've paid this out. But it does mean i can work overtime, which will be extra pennies towards my debts. My Egg card…
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Please help!!
Hey all, I owe a company a big sum of money (£1.5k to be precise) and I can't afford to pay them back... bare in mind that- 1) I handed my notice in prior to leaving - infact 4 months prior to leaving (went to university) and they didnt terminate me when my notice (which was typed) date was for (Aug 25th), 2) I didn't…
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Only Option Bankruptcy? Views Please
Hi all - I know some people have a very dim view of filing for bankruptcy, but I feel it may be my only option. I earn £24500 per year, my hubby £16000 - our total debts, excluding our mortgage of £157k, are £65k. I am currently on maternity leave, and will be returning full time in May. I know I have a responsibility to…
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debt
Since Ive Found Out About This Site Its Been Like A Breath Of Fresh Air ,i Thought My Problems Were Bad But Reading About Some Other Peoples Problems Mine Seem Minor.anyway I Posted A Question On The Site And Got Some Good Advice About Iva's And Debt Management Programs And After Talking To The Cccs I Started Thinking…
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Bankrupt Britain - a five live report
Hi all, I have just listened to this report on the radio 5 website "listen again" section, if you have a spare 34mins click on the link below and look for the link on the right hand side of the page. Its very informative and interesting. http://www.bbc.co.uk/fivelive/ Let us know what you think, personally I thought it was…
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Debt History - Help!
Hi Its a little late but I have resolved to sort my debt problems out this year. I have recently applied to Experian for my credit history as I don't know exactly how much I owe on some debts and who at present owns the debt. Does anyone have any advice or good tips on where I can get all this info? Will the info from…
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Advice on my situation please
I thought I’d put my own situation up here to see whether I can do any better and/or to see if I’ve missed something. I owe various loans, utilities and mortgage payments some of which are in arrears. The property is on the market and as soon as it is sold I will clear all debts and put some money aside for a known…
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Cleared another finance agreement
Hi all, Quick update - I've now cleared a finance agreement for my laptop, sent the cheque for £455 and am now awaiting confirmation that this debt is clear :j This leaves my car loan (3 payments left @ 107.28 - woo hoo), my credit card (1600 @ 0% interest - currently paying £150 PM) and my bank loan (30 payments left at…
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IVA will we lose our house?
68k in debt and have just sent out our CCCS offers to all concerned. Mainly credit cards and one 23k loan not secured. Have a mortgage but no defaults. If they all agree to my offer then I can be free of debt in 10 years so long as they all stop the interest. Can I loose my house if we go via a IVA route? We only own 15…
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Overdrafts
Hi there, Happy new year to everyone. I'm determined to make 2006 the year that I sort out my up to now abysmal :eek: attitudes to money. I've bought the money diet book and am trying to stick to a budget so that I will be able to live within my means. Anyway, this is all new to me and I would be grateful if I could have…
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What should i do???
Got year left in current job (leaving the forces) My wife and i will hopefully be looking to buy house in about 18 months. I realise that in our current situation we have little chance of saving enough for a deposit and feel the best we can do is try to reduce our debts. Does this sound sensible? Even if we can't afford to…
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how much have u spent today?
i'll start this off because can't see posting for it. nothing yet but have to do top up shopping later.
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How to get a new mortgage?
Hi all, this is my first post, so please be gentle! We bought a house (3 years ago) to do up for £160k on a 95% LTV morgage and then spent £50k renovating it. It's current value is around £290k, but still requires some finishing (say £4k's worth of work to push value up over £300k) off which we can't afford to do. My…
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Bankruptcy deposit question
Hi, I know from reading other posts on the board that there is a deposit of £310 to be able to file for bankruptcy. Is this payed back to you with it being a deposit ?? Thanks :confused:
