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1st post can you help me ?
hello all, I have been refered here from a bodybuilding site of all places but hopefully you can help me guys yesterday i had a letter saying the tax office has overpaid me and i need to pay back £904 they need this money NOW and wont collect thru mu tax code however i have just added up loans, overdrafts, c.cards, etc and…
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***Irishgal Update***
Ok, so I’ve been on this site since the end of June and have shifted €1,000 of my debt while also moving out and starting to pay rent and bills!! Everything is going fine but I am starting a new job on Monday as a result I have fewer hours to work but also less pay! When I originally posted my SOA it was suggested I needed…
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My 'feel good' playlist
As well as finally listing my debts (had been avoiding), I have created a 'feel good' playlist on my itunes. I play it when on the computer doing accounts etc to cheer me up and also lay full blast when feel myself sinking. Here is what I have...any suggestions for others? Proud by Heather Small I am what I am by Elaine…
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thanks!
...for all the advice and encouragement you've all given me! I'm getting there with nurturing my lightbulb into a bit more brightness - this board is really inspiring, checking on here is much more productive than surfing eBay :o Just a quickie - I notice a lot of you roll your mortgage into your debt. I've not really…
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Happy 50th liverbird
A BIG Happy 50th to liverbird
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Christmas savings so far
I got my first Pureprofile cheque on order today! ok ok so it's only a £20 cheque but it's mine and it's in the post on it's way here! YAY! My first one and it'll be going straight to my savings for x-mas as will the first £50 from E-bay when I get up to £50 :rotfl: £34 so far!!! So christmas savings so far are: £110 Boots…
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on dmp but old account has got in debt, please help
Ok im on a DMP with payplan and all is going ok so far. The problem is i had a business account that i had stopped using and it has now got £1000 overdrawn with no overdraft set up. Im shaking as i thought i was sorting all this out and its just another !!!!e thing to happen. Will payplan not help me now, it was just…
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Broken wrist, off work and depressed!!
Well its been a while since I last posted... On a DMP with payplan since January, all has been going ok, calls have just about stopped until yesterday. Luckily the call was regading my ex so was no need to panic, however I called payplan and found out one of my creditors had rejected my offer of payment (Asset Link), they…
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Smile And Bamk Charges
:o Hi folks, Just looking for a wee bit advice I sent a letter to smile on the 16th August standard template saying I want my bank charges back I reckon they owe me at least £600. I recieved a letter back saying we're sorry your unhappy, But please give us time to investigate blah blah blah however I actually wrote on the…
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www.annualcreditreport.co.uk
Yay, sent off for my report today List of activation dates for your area as follows, hopefully this is of use to people Region Index Planned Live Date Active Devon & Cornwall - 2 June 2006 Active Wales & West - 1 July 2006 Active London - 1 August 2006 Active Yorkshire & Humber - 1 September 2006 1 North West & Northern…
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So, it begins...
I think the light finally came on last night... Hi, I'm msArcher and I have a money problem... I have debts of around 80k :eek: - mostly mortgage and some credit card - exactly how much I'm not sure. Mortgage was part for the new garden (first place I looked at had a wonderful garden - I bought it and found it had a house…
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H L Legal Solicitors (capquest????)
Hi guys had a lovely letter from a legal frim H L Legal Solicitors in association with Sampson & Co. Does anyone know anything about this bunch. I suspect it's just a front for our friends at Crapquest. Any info greatly received. I am in a DMP with Payplan and finances have taken a turn for the worse, so doing new income…
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Bankrupt - new SOA
Hi guys, Just thought I would share with you my latest SOA which I have been on since I have been bankrupt. 1 month on and sticking to it ;) Income: Main job 1030.00 2nd Job 300.00 Bootsale/ebay 100.00 (usual more than this but only including 100/month incase there are months when money drops below this) Total: 1430.00…
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First month without credit card
I just wanted to say thank you to everyone who posts and replies on here. I know it might only be a small step, but August was the first month I didn't use my credit card! Before that I was so bad I would make the minimum payment and then put £30 or so back on. Argh! I feel dead pleased with myself though!:j :j :j
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How do others cope with a weekly budget when they get paid monthly
:confused: I started my all new money saving ways on my usual pay day of 28th of July. I worked out all my bills and then allowed myself £120 a month for my personal spends. I drew this out of the bank in one go, but this didn't work too well as I spent quite a bit in the first two weeks and it was supposed to last me a…
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WOOHOO!!!!!!!!!!!!!!!!!!!! updated confession!!!!
I walked out of my emergency temp job. My brain had died. It's not *that* big an emergency yet. So, the big debt is not paid off yet. I am concentrating on getting a job that I can stomach in the long term, and temp. job were so slow confirming shifts, it'd be impossible to book interviews in advance. Won't be DF for a…
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Egg...
Has anyone else received what I have today - apparantly Egg like to treat their customers as indviduals and therefore after a review of my credit card and the way I manage my account (min payments but haven't used card for approx.10mths) they are very helpfully going to raise my APR from....wait for it 15.9% to 21.9% -…
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Adverse credit - need a new bank account
Please help my current situation by offering some advice, my boyfriend and I have severe debts, and although I manage to keep my organised, he is simply dreadful. He needs a new bank account, after his old one was closed because he didn’t contact them when they asked about his charges. I’ve applied for a first direct…
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Am I doing the right thing?
Just thought I'd let you know that I did contact CCCS yeasterday & I have my counselling interview on 3rd October. As I am not in arrears with anything & not had things bounce I have not contacted any of the creditors yet. What I would 'like' to do is to sort out the mess without having to necessarily go down that route. I…
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Aqua Card Problems...
Hello there. I posted here earlier this week re credit cards debt and received some helpful advice. I contacted the CCCS and with their emailed self help pack have managed to get the ball rolling. However, the conversation I had with a collections representative from Aqua card yesterday really took the biscuit... Anyone…
