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Newbie - Where do we begin
Having been recommended to these forums by several folk, I have made the first step to dealing with our finance problems. My own history has not been great having been on a joint mortgage with my ex partner 10 years ago. That partner declared himself bankrupt after we seperated but before we had chance to put the mortgage…
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Bankruptcy
HI Guys, I am one year into an IVA and I am struggling to live on such a limited budget. I have no house, no car and essentially no assetts so I cant see why going bankrupt isn't my best option? Surely this means that I dont have massive repayments to make next four years.... Can someone tell me the imediate after effects…
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How are you Blue Zone?
We haven't heard from you for some time. I hope things are going well for you and that you're feeling positive. If you' still logging on here let us know how you are. Thinking about you!
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council tax?
Hi all this might not be right place to post but maybe you can help me!! went bankrupt last month and spoke to council beforehand about how to pay this years tax they said as long as i send proff of my bankruptcy it would be ok to pay over 12 months not the normal 10 as we are on a very tight budget(i must add i dont owe…
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Company debts - personal pain
Looking for some advice here. I used to own my own company which to cut a long story short failed and we entered into a CVA and sold the business. This didn't generate quite enough money to clear everything, and one creditor is still negotiating with the CVA management company to reach the end. However, the problem is that…
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Loose the credit card debt!
Hello all! After many years of irrisponsible spending I think the time has come to get a grip! :) This is mostly because my partner and I are expecting our first child in August :D Although I have always managed to service my debt I would really like to gain more control of it. I owe about £19k on credit cards which I try…
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Im in over £12,000 debt and i dont kno what to do.
Hi, My names dave and im 21 and ive got my self into a bit of trouble with credit cards and store cards. i have run up a debt of over £12,000 and it is really getting to me. To help pay off a credit card i took a lone which i thought would help but it didnt it made things worse. I have a flat which i have rented out but im…
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annoyed
just wanted a quick rant, went to a cash point about six week ago, and tried to draw £50.00 out, cash point said no but the money was in there, went to another cash point to get the money, and also got a statement, which said that the first £50.00 had been taken out, so went in to bank who said that thay would look into it…
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Is this a rip-off or i just don't get it
Few years ago i took a credit card from Adams. Never had problems, as i was paying it in full. Just before Christmas i forgot to make a payment, as we just move home and wanted to make it nice before the holidays. It just slipped my mind. I was fined for late payment on my next statement. As i lost my job i had to start…
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Birthdays
This weekend is my sister's birthday. For the first time in many years I have bought the card and gift already and have budgeted for both. For years I was so bad with money that birthdays were a major depression for me - I would run out of money and then sometimes, to my shame, "forget" about the birthday so I wouldn't…
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I actually have some good news today..
WHOOPEEEEEEEEEEEEEEEEEEE :j :j :j :j :j Our overdraft is HISTORY !!!!!!!!!!!!!!!! OH wages went in today and after the DD's went we are still over £100 in credit..my bank manager is sooooooo going to faint LOL...Have to find a 'target' for next month now :dance:
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What Have You Spent Today - 10th March 2006
Good Morning Everyone! HURRAY - It's Friday!! :j Just thought I'd start the thread off today - What Have You Spent Today? I hope to spend nothing, but it is only 9.25am! Have a Good Day! :beer:
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what can they do?
hi all, in reality if you have unsecured debt and you're struggling to pay your regular amounts, so long as you offer to pay them something each month then they can't touch you right?? Luke
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advice please
can anyone give me advice? I am currently £10,000 in debt with c cards,i have 2 ways of paying these off. I can borrow on the house and re mortgage or i have an endowment running with £16000 in there which i dont need to pay off the house as i got a repayment mortgage. Which is best? im paying 0% on the cards but getting…
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Finding money you'd forgotten about!
After a horrendous day at work yesterday, I got home and started a bit of a clean to work the stress off. It was well worth it as I found £50.00 :j: I'd completely forgotten about!! I felt like I'd found £500.00 as I'd been really strict with myself all week and was convinced that I only had £2.50 left of my £10.00 weekly…
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Light bulb moment
edited....
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Spent a fortune today!
Wow, just added up that i've spent nearly £500 today in less than an hour!! £165 on nursery fees - thanks Tax credits for your contribution to this £110 payment to Capital One - 3 weeks before it was due, thats a first! Money on paint and stuff for daughters bedroom, shes never had it decorated but im doing it cheaply,…
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Help - Trying to do a letter to bank and am confused
Have got the letter to claim back charges on my Capital One card Know the charges but how to i work out the amount "which you have charged me in interest for the sums which you have taken" :confused: Any help would be very gratefully recieved Thanks
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what next?
hi everyone,new to this site but not to debt sorry to say but can someone help advise..i have debts of £14000 which is paid through payplan also a loan of £7000 to rbs a mortgage of £77000 as i and my wife are on a fairly low income we struggle to get by month to month and after looking it in depth we will spend the rest…
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Inventive and Cheap Ideas for Mothers Day?
Hi All Not sure if this is the right place to post (or if there is another post of this kind), but please feel free to let me know/move it!! I was just wondering with Mother's Day around the corner what to get my mum/MIL. My SIL always spends a fortune on my MIL and I always feel as if I can never equal what she has spent…
