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court claim form
with payplan on a DMP got a court claim form today from tesco finance payplan not open on a sat so what do i do with it just fill it in and send it back ? What is the claim form for anyhow ?? Mort
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Seems This Site is Having an Impact
A reason to celebrate:beer: http://news.bbc.co.uk/1/hi/business/5391688.stm
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IVA's please help are they OK
Hi, I am a newwbie and trying to work out how all this works, hopefully I have managed it now, I am thinking of doing an Individual voluntary agreement, IVA, I have been trying really hard to get out of debt but I can't, my outgoings are more than my incomings and I have done all the swopping cards, cheaper loan etc etc…
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Fee
Can anyone tell what is the deal with Individual voluntary agreements, I am thinking of doing one but is it OK, Thanks, Fee
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Fee
Can anyone tell me are IVA's, Individual voluntary agreements, a good idea if you are desperate or not, I am considering doing this but am not sure if this is a good or bad thing............I mean I know its not actually a good thing as such, but you know what I mean, Fee
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Not to create bad feeling, but why bother..
when it seems it would be easier to just go bankrupt. I've been reading a lot of stories on here about "how do I go bankrupt" and the like. (some not even knowing how to spell it properly) It seems some people cannot be bothered to even try to pay off their debts (I KNOW this is a minority and some people on her would…
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Just rob this from CAG
Banks whingeing over IVA. http://business.guardian.co.uk/story/0,,1883603,00.html#article_continue
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In deep
hi sorry but this will be long i will start from the begining i have debts upto the amount off 48 k pounds i went to cccs who were great but in the end it was still to much money going out. Me and my partner have split due to debt so we have sold our house (should be out of house next week) We have about 30 k left over my…
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Guardian BANKRUTPCY Article
The following article was published in the guardian today. It provides an insight to bankruptcy as well as other solutions. The Road to Ruin
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Contract ends on 13 October - what can I claim
Some advice would be greatly appreciated regarding what benefits I can claim. OH seems to think I won't be able to claim for much as he lives with me and earns too much (approx £800 per month without overtime/extras etc). I know I can get Jobseekers allowance but what about things like council tax benefit and rent/mortgage…
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Post CCCS interview
Well, I had a nice hour and a half interview with a very nice lady from CCCS. After working through everything, I have more going out than coming in by around £250 a month. her suggestion is to offer the two credit card companies £1 untill I can re mortgage the secured load which should give me around £500 a month free to…
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Why is the council so horrible???
Came home after a long day at work to get a letter from the council demanding that we pay our council tax in full in the next 7 days :mad: It is full of bold writing and capital letters and is threatening court and extra costs! Why cant they just say something like 'our records show that you are not up to date with your…
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Its Now Sunday !!! Come on in for a glass of wine @ Mikes
Evening you lovely people. I trust we are all well and are glad its the weekend ! Im in a jovial mood, Payday yesterday for me, Payday for OH today... Start new job on monday so ive a week in sunny Leeds.. Im on my own mind, so if anyone fancies a pint wiv me or feels sorry for me then ask away (Ive no mates...) BKY day…
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Can my bank really do that?
Hi there, Its a long story but my business closed in June this year and so my bank called in the 8,100 overdraft. Ive not spoken to my bank, ignored phone calls and letters. I have transfered money into the business account from my personal account where my partners 254.00 per wk income gets payed into. 2 weeks ago i used…
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Pay off your mortage in under a year
Programme on TV last night when two families made money building & selling 2 houses in Crete. I dont supose anyone recorded it ? I missed it but would love to see it. Thanks
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DMP - How much less are YOU paying now?
Just wanted to start this thread to see the difference people are paying on their DMP compared to their original contractual payment. Thought it might be interesting and wanted to see how my situation compares! Contractual Payment = £931 DMP CCCS Payment = £719 £212 Difference
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Claiming Back Bank Charges - Halifax
I'm just wanting a bit of advice please could someone be kind enough to tell me how long the Halifax normally take to send statements when claiming back bank charges. They cashed my check last week and it would be nice to get my money back before christmas. Thanks
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Credit card advice
What would people advise me to do? I have paid off one of my credit cards this week. My new situation is: MBNA - o/b - 3910.00 NatWest - 0 (maybe a bit of interest, this the card I have paid off this week) HSBC - 0 - cancelled as of this week MINT - 0 - in the process of been cancelled. The interest on the MBNA card is 6.9…
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DMP vs IVA
I am in the midst of getting rid of Baines and Ernst who make fortunes out of idiots like me but today they called and asked if I have considered going into an IVA. They stated that my debts at the moment will take 16 years to pay off but if I took an IVA they would be written off after 5 years. Can someone explain this to…
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Should I Have A Financial Review With My Bank Manager?
Insert By Martin Don’t fall for the spiel of the new range of bank adverts offering financial reviews. Go in and you’ll effectively be met by a sales person, possibly incentivised to flog you products, likely to use fear based sales techniques. Banks also only offer their own, invariably uncompetitive products. What to do…
