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Help with bankruptcy
Hi I have a friend (no really!!! it's not me) who has run up a lot of debt (at least £45k that I know of, probably a lot more) and he has decided that bankruptcy is the way to go. He needs to know if they can re-posses his home or their cars as part of the bankruptcy proceedings. The house is owned outright by his wife (no…
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IVA - IS it all it's cracked up to be
I received a phone call from a company about my debt, they offered various ways to solve my debt problem. One of them was an IVA. On the surface it sounds ok, almost too good to be true. you pay a set amount for 5yrs, with an annual financial review, any outstanding debt at the end is cancelled. I'm wondering whether it…
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Arrangements
how do you make companies accpet your proposal to what you can offer them a month if they keep declining?
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Recommended Reading
Ok this may be against forum rules (classed as some form of advertising) but myself and a few other people on here (amos the chicken especially) gain a lot of inspiration from some of the audio tapes we have found by a guy called John Cummuta. Now he is the american version of Martin but he is more specifically aimed at…
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Pyramid Sceams
has anyone ever tried these?
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Need a bit of a virtual telling off!
Hi you lot, not been on for a few days. had a bit of a down in the dumps week last week. Really tired and trying to be good was sooo hard. Anyway I got paid and I have been really really skint for so long that I went a bit mad! I went a bit mad in a DFW style it has to be said. I had sold stuff on ebay and then bought…
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Life of Balance Cards
My existing CC company have offered me a life of balance rate for transfers I want to do. Do I have to do all the transfers today, or can I do them over the next week or so?
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Somebody Help
Hi all, What I really need is someone or all of you help me find a way to stop spending!!!!!! I need somehow to find the will power to stop going to the pub and spending nearly all my money in a week! The trouble is I hate wear I am living at the moment and who I am living with drives me insane so I go to the pub to get…
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£25k loans this is my SOA...
Hi guys, sorry if this is in the wrong place but hey here goes; House hold bills Mortgage- 975.4 Mortgage Life cover- 24.38 House insurance- 30.35 TV licence- 10.59 Child maintenance- 270 Council Tax- 119 Talk Talk- 20 Tiscali- 15 Gas / Electric- 43 United Utilities- 39.68 Extra items HFC (Dinning Table) 0%- 23.17 David…
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Found
My I have just found £50.00 in one of my accounts which is so needed as I had £20 left until the 23rd June, now have £70. Was getting abit worried because of only having £20 left out of that I needed to fill the car twice with petrol (Just to get to work)which is £35.00 each time. Plus the cupboards are looking bare…
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What have you spent 07/6/06
hopefully only a couple quid as i got up to late to make breakfast! catch u in a bit Will
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juggling options - could do with a kick in right direction
ok heres the deal I have four credit cards at the moment £1,544.88 on Capital One @ 3.5% APR for life (balance transfer) - credit limit £9,000 £1,525.44 on Barclaycard @ 0% APR until January 2007 (balance transfer) - credit limit £1,700 £1,214.78 on HSBC @ ??% APR (1.167% per month) - credit limit £5,500 £831.20 on Abbey @…
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my credit rating?
You prob wouldnt get any worse than my credit rating. Whats the best thing to do cause i am completely lost. Since all the bad things happened i have sorted my self out etc and not borrowing nothng etc etc.just paying back what i owe anyway. I have 2 CCJ's About 6 defaults Missed payments on credit cards and mortgage ( 4…
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My 1st step to debt free
Hi guys I have made my 1st step to being debt free Tonight i have setup 2 direct debits for monthly payments to agencies. They also offer online payments and able to view your balance aswell. I just need to setup one more but dont have there bank details so going to call them tomorrow. Just need your advice on one debt.…
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House of My Dreams
Ok - One of the reasons I get so down about money is that I have a real keep up with the Jones' mentality and often feel like the one who has nothing. (Sob Sob). So have decided as the sun is shining and I cannot afford to move to a new dream, clean, sparkling house, that I shall just have to make do with what I have got.…
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Day in court update.
Thanx to everyone who posted hugs yesterday I did need it. Anyway of I went to court this morning, Was told to sit and wait as the judge had three of us to see and he would do it when he had a slot !, Waited, waited and waited for what seemed like forever (about 15 mins) Then they called us in one by one and what do ya…
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ITV1 now...
Big spenders...watch it & feel like a virtuous DFW!! Not to mention thanking god that you are nothing like them!!
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Quick watch channel 3
Britains biggest spenders, i wonder if any of us are on the sho pre light bulb days :eek:
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consolidate?
I have got the chance to consolidate all my debts and make life easier. But i keep hearing that this would be a bad thing....why? I know it is only good in that my payments will be more manageable but bad that i will pay longer and with more interest but is it really that bad a thing to do if it takes the weight off now?…
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legal and trade :mad:
GGGGRRRRRR!! i hvae just had a right ol hum dinger with one of their bolchy reps! telling me why my payment hasnt reached them pretending they new nothing of my previous call, clarifying that the cccs pay my creditors, but she slipped up and said that i had a ggreed to pay £10 when i quieried this and said i hadnt agreed…
