-
Urgent Help
Hi there. I am about to file a claim with Money Claim Online today, but before I do I just wanted to ask something.. I leave the country (as you all know) on the 3rd Aug and I am worried that if they dont give in & pay me the £££ they owe me and want to take me to court, that I wont be around to go (therefore losing £££…
-
ccj
how do you deal with ccj's? What happens if it is not paid? Will it stay on your record forever or is there atime limit?
-
Hubby says I am getting tight with money
Over the last few days I have been trying to tweak our SOA to save some money so I .... Cancelled sky Saving £21 Changed payment protection on mortage Saving £9 Changed phone call providor Saving £5 Great £35 per month saved although will not see it for 2 months due to canellation periods. TAX CREDIT OVERPAYMENT ....Ok so…
-
Interview today
Hello, I've got an interview today at quater to four. Feeling a bit nervous - It's a big step as far as my career is concerned and will give me a massive pay rise. i'm sure I could do it standing on my head, it's just gettng through the interview. I haven't had an interview with someone I didn't know for yonks!! Sorry for…
-
Advice on paying things off!
Hi there, I'm fairly new to this money saving thing having started in March 2006 and already a lot of the principles are making such a difference to my finances. I have an outstanding loan and car loan and have tightened my belt to put £340.00 aside monthly to go towards paying these off early. If you are making extra…
-
Notice of correction- Good or Bad
Hi I read in a reply tht adding a notice of correction means that any credit application has to be manually assessed but that some companies think of a notice of correction as a cop out for bad bedt. Does anyone have any advice on this or any experience? thanks
-
Advice needed on compensation for a wrongful default entry!
Hi MSE’s I need some help please, I have been given a default on my credit file from an old mobile phone company last year. They didn’t send me any notification (default notice) and just applied it without telling me! I am about to write to them to get it removed according to the consumer credit act; section (76,78,79, 87,…
-
Is there any really impartial advice?
I am self employed. Four years ago, my business was looking really healthy. I need a car for my work, as my customers are spread nationally. I had always bought my cars outright, but in 2003 I purchased my first car on finance, with finance agreed through Black Horse. Although I paid the agreed amount regularly, for the…
-
What will you do today DFW style? Thu 22 June
I'm not sure that I've seen this thread for a while (but then I have been consumed by horrible work recently so apologies if I've stepped on anyone's toes). Today I shall be pottering around the house, sorting out all my financial papers and cooking a couple of quorn shepherds pies for some dinners tonight and at the…
-
Reclaiming Bank Charges
Just a quick question... I'm not really sure if I've ever incurred much in the way of bank charges over the last 6 years. I'm sure I probably have, but think I got them all refunded at the time through complaining. Now my question is am I silly to send my bank the letter asking for a list of charges, only to find out they…
-
Pension or Debt
I think a few of you know my situation but just to recap....I owe roughly £14k, all interest free at the moment so I opened up an ISA to make the most of tax free interest to pay off my debts. I am eligible to join my company pension scheme in which I can deposit a minimum of about £40 (before tax) into. Would you join the…
-
New powers for Financial Ombudsman
Hopefully will have a direct impact on the DCA's and some of their less lawful tactics ! http://www.financial-ombudsman.org.uk/news/updates/2006-06-consumer_credit.html
-
funkymonkey's Debt Diary
i thought i woiuld write a debt diary like others to let everyone know how i am doing. so my lightbulb moment was at the bginning of the month when i added everything together and realised we were in 52K worth of debt. im only 22 and dont want this to hang over me for te rest of my life so have started to cut back. ive…
-
Refused an IVA - why?
Hi guys Although I have debts, I've always (luckily) been in a position to pay them and am starting to make inroads into them so please excuse my ignorance of IVA's and DMP's. I have a friend who has approximately £20k worth of debt, earning a salary of £15k. His wife does not work at the moment, basically because she is a…
-
Upset
Just not sure what to do really. I'm completely broke this month. Getting married in September so I've had to pay for stuff for that. My bloke gets two weeks leave (we don't see each other much as we're in a long distance relationship) and we're going camping for a week to celebrate our birthdays. We can only afford to do…
-
What have you spent today – Thurs 22/06/06
Ahhh…up bright and early today – hooray… :p bright eyed and bushy tailed no less…whoo hoo. :rolleyes: The birds outside are [STRIKE]squawking[/STRIKE] chirping away gaily – how wonderful. Popped to the bathroom… as you do…glanced in the mirror…. the Living Dead springs to mind…. nothing new there then. :D Just made a…
-
Personal Finance course from the Open University
Have just discovered that the OU is offering a new course on personal finance called 'You and your money: personal finance in context'. The course covers saving, borrowing, insurance, pensions, long term planning etc. It's a 1st level course, which means it is not too scary, it's an entry level course ideal for those who…
-
Really need help!!! Debts turning into court summons!
Hi Have been reading posts on this forum for ages and trying out things to help my situation but this is my first post so please be nice to me!! Mini life story - my debts come to approx £16,000 (3 credit cards, 1 loan and 1 overdraft, plus massive water and electricity bills) thanks to my b*****d ex-fiancee!! Am also…
-
Borrowing on Mortgage with a bad credit record
Hi, Basicly My mortgage is £52,000 and the house is worth £145,000 My Mortgage is up to date and payments have been on time, I need to borrow about £20,000 for urgent house repairs. When you ask them for a remortgage do they do a credit check?? I am in a DMP, just wondering if I will be told NO ????? I am with ABBEY not…
-
first cccs steps - i made the call!
Phew, just made my initial call to CCCS - have spent the last couple of weeks trying to find a way round it, contacting loan providers to try and reschdule my loans etc, but they were mainly pretty unhelpful (i wasn't trying to borrow more money, just extend the terms of my loans, but they didn't want to know!) I was…
