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Bankruptcy Discharge nightmare
To anyone else trying to get a certificate of discharge - I've been trying to get my bankruptcy discharge certificate since early July! I sent off my £60 of postal orders early July. On July 14th the Royal Courts of Justice said that they sent off a form to the Official Receivers office to confirm my bankruptcy discharge…
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Money gone missing!
Hi all, I don't often post on here but am always reading the threads. I think this is the most appropriate place to post my problem, but please feel free to tell me otherwise! I sold my car on 8th August to a dealer who said he was going to pay off my finance, he gave me a letter to this affect (or effect?) and made a bacs…
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Soa
Hi all Daft question as I have been coming to the board for yonks but...where do I find a blank SOA to fill in? Thanks.
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IVA Advice please help
Hi, My partner and I are considering an IVA due to our debts of approx £60k unsecured. We are managing to meet our repayments but only just and this involves borrowing money to do so. A couple of questions: 1. Are we able to have an IVA and what does this involve. 2. Do we need to give access to our bank accounts 3. How…
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Help! being taken to court for storecard debt
I'm not sure if this is the right place to post or not, so sorry if i'm in the wrong place. i received a letter today stating i am being taken to court for a store card debt that is £1124. It says i have to list my outgoings for a payment plan to be made, which is fair enough. but do i list my OH as well? the store card is…
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I need some help please
Hi everyone, I really need some advice to help me. I am at an all time low and just dont know what to do! I have been in debt for a while now through a car loan, bank loan and 4 credit cards, and an overdraft. Its got to the point now where I dont have enough money coming in and last month I had to miss a payment on my car…
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I know this probably isn't in the right place but...
Hello Everyone I REALLY WANT a career change and am desperate to become a financial advisor. I know this is the DFW board and perhaps not the best place to post this but you lot ae always really helpful and there seems to be quite a few knowledgeable people on here - plus getting this kind of job will hopefully increase my…
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bankrupt person at my address?
Hello eveyrone, i've been lurking here for a while - although I don't have debt problems I could see how in different circumstances I well could have done! I do feel for all of you in your struggles and find you're determination inspiring. I'm on a very very low income (£45 a week at present) and have picked up some…
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How much do you spend on treats?
Trying to work out my budget but I wonder how much should I be allowing myself for luxuries, such as the odd night out, clothes etc, how much do you all allow yourself for non-essential spending? Credit card debts: £24,000
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When you say 'debt free' do you include mortgage?
Just wondered as I've noticed lots of people have a 'debt free' date in their signatures and lots of them are in the next few years. Are you not including mortgages in this or do you not have mortgages? Just wondered, as was thinking about doing mine but can't bear to contemplate that it'll be in about 25 years' time! S
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What would you do - plan gone to pot.
We've got a sofa from DFS that we need to start paying for. The total balance is £1346. We have this money (just!) which we have saved so we can pay it off in one go. It is on 0% interest though, so not a big deal if we don't pay it off in one go. Its £88 a month if we don't pay it all off. We've just applied for an A&L…
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How Much Have You Saved Today?
Hi all, I thought it might be worth starting a thread to see how much moneysavers are saving each day - to run alongside the excellent 'How Much Have You Spent Today' thread. This might inspire everyone and keep us all going to save more and wallop the debt into orbit :T My first ones to start: In Superdrug today I got 12…
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Claiming back bank charges and holiday!
We're booked to go on holiday on 30/09/06 - 07/10/06 and will be out of the country during this time. I really want to send my preliminary letter off to HSBC but am concerened that things might happen while I'm away. Does anyone have experience of this or advice to offer? Would I be best to wit until I get back from…
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Debt for the over 50s
I read recently that the early 50s age group accounts for some of the biggest borrowers.I wonder why.Any ideas?
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What makes a default legal?
Can anyone please tell me what a compnay legally has to do to issue a default. Basically the only reason we found out about the default is through his credit file. Weve had no other papaer work at all. We have claimed unfair charges back from this catalogue company which they have refunded but havent removed the default.…
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HELP !! 2 Debt companys after the same bill
Trying to help a friend, who as received a letter from the Solicitors, stating that she will be issued with a County Court procedings. Let me try and explain 17 Nov 2004 - Debt of £202.94 owed to British Gas - for old address but sent to new address 05 Oct 2005 - Debt of 42.94 ( Central Recoveries ) re BG - sent to new…
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Debt Advice
Hi, Iv been phoning around the various debt advice/councelling agencies in the yellow pages, but cant find any that are willing to help with my debt as its only around 2 Grand. Does anyone know of anyone that gives advice on how to deal with debts of this size? Thanks.
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Tax credits
Just a quick one when a person starts a new job how long before they have to advise the tax credits about the change . I remember them saying somthing about it in the last budget but I cannot remember. :j :j :beer: :j :j
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To Much Money In My Account!
I have just received an email from PayPal to say that they have duplicated a credit into my account in error. I have checked with my bank and this is the case. What should I do? Part of me thinks send it back to PayPal now but another part of me thinks leave it in my account until they scream at me for it back so that I…
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Debt Tracking - Excel Sheet
Debt tracking spreadsheet available here. very useful and easy way to track your debts and to aim to become debt free. Also shows credit score calculations from credit card usage which is cool http://moneysavingexpert.blogspot.com :j
