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Solicitors chasing my tenant in debt
I have a flat and I rent a room to someone who I know had debt problems in the past. Lately she's started spending again and I have expressed my concern when she tells me about it. However, today I got a letter addressed to "occupier" from a solicitors looking for her, saying they know she's left my address recently and do…
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Debts gone up :(
POO, I had a bad month last month and had a holiday that was already booked and largely paid for, and I'm owed £500ish in expenses, but my debt now stands at a whopping £15065.28 (not including student loan which I'll think about at the end) I think I was being a little unrealistic in what I could afford to pay back, which…
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Saving Time and Money
Hi All, I make my DD's packed lunch every morning, but was wondering, in an effort to save time, that I should make the sandwiches the night before. Does anybody do this, and do the sandwiches taste ok?? What else do you DFW's do to save both Time and Money at the same time?? :confused:
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Our Situation - Advice Needed
I came across this site a few months ago when seeing Martin on that program with Richard Hammond. Decided to sign up now to explain where I am at. Currently debts stand at £26500 (not including a new mortgage). Total income - around £45000 for both of us. This slightly increases each month due to me working part time…
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DCA chasing debt for company we wound up a year ago
Can anyone give some advice? My OH ran a company from our address for a while, but ceased trading 2 1/2 years ago and officially wound it up a year ago. It was a Limited company, with him as MD and myself as Company Secretary. He was in dispute with Cable & Wireless regarding the amount owed on a service they were…
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Not really enjoying spending money
After my business collapsed some years ago I had debts to pay back.Thankfully I had another business to fall back on and with living frugally I was able to get myself back in the black.Strangely I quite enjoyed the challenge.It meant that we had to cut back on stuff but really didn`t miss going tothe pub,holidays and…
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Can banks ask what you owe to other banks?
We've had a fairly constructive letter from Egg asking us to detail (among other things) "all other debts together with contractual payments required". Apart from the fact that the contractual payments are totally irrelevant as we can't meet them, can they ask us for that sort of information? We don't intend to give it at…
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A Drink in London That Won't Cost An Arm & A Leg?
OK this might be a really tall order but I am hoping some of the London DFW/MSE'ers might be able to help me out here! I am off to London on Saturday with a friend for a concert (booked ages ago & paid for!). However we are both now quite skint! We want to be able to pop out for a couple of beers & a catch up before the…
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Just as I'm sorting my finances ...
I need to get new heating or what I have looked at. I can't handle the freezing flat any longer. It was going to be one of the first things I got done once I had saved some money anyway. Guess I'll just have to do one more thing on credit :( At least I'm in the right frame of mind to get it paid off quickly.
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Few questions before i take the plunge
please ignore
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robinson way
hi there just looking for some advice really i got a letter from robinson way yesterday saying i owed them £151 for a charge back via ebay/paypal, now i am disputing this with paypal, if this case goes against me can these people take me to court/get me a ccj or indeed anyway harm my credit file... p.s. the person i sold…
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PayPlan.
Got an email from them asking for details for the 1 hour consultation phone call. they want the following! * Full list of creditors (including account numbers, outstanding balances, and monthly payments) * Bank details (account numbers and overdraft details) * Mortgage details (lender, equity, any arrears) * Asset details…
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What's your opinion? Being overdrawn.....
I was bragging to my work colleagues about becoming debt free recently and have been helping another (on the sly) who is in serious £££ trouble with the advice I have gained on this site and the subject of overdrafts came up. They were telling me that they 'live in their overdraft', 'my overdraft isn't covered by my…
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Ideas for Making/Getting Money Req'd as I've run out
Hello me again, Well I have given up with OH facing up to his debts and having his lightbulb moment (see SOA and HELP - Full Time mum with nearly £7,000 debt in previous posts for full saga) for now and decided to concentrate on trying to clear my own credit cards and overdraft debts to hopefully make him see how much…
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In a mess, it's high time we got serious!
Hello there, I have been reading MSE for the last day or so and wanted to say thankyou first and foremost! My dh and I are in a lot of debt, about £14,000 at last count :( anyway, we started a DMP over a year ago and it has worked out well so far. This last few months were going well, he is working and I was childminding a…
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Cancelling Credit Cards
Hi all This is my first post on here, finally getting my head out of the sand and dealing with my debts! I currently owe about £22,000, which is a £12,000 loan and the rest on credit cards! I've transfered a balance from one card to another which has a smaller interest rate so that card can be cancelled. I really want to…
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New Debt-free site
From the Conservatives. Not entirely what you'd expect from them: http://sort-it.co.uk/ I'm not sure that the use of the word !!!!!! is entirely wise.... Still, the site is pretty good and they are taking a stand against dodgy lending. Here's their reasoning behind it http://sort-it.co.uk/about_this_site.aspx
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Confused about creditors & CCCS!
Hi there, Dont know if anyone else has experienced this but my DMP has been running with CCCS for over two years - in this time Ive had letters from creditors when the debts have been sold on and I had a good search through my records over the weekend as there seem to be a lot of creditors on my latest statement - I…
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Do I need to do anything about this?
Hope someone can offer me some advice on this. I received this letter yesterday from "buchananclark + wells" at my address, but addressed to a man I've never heard of and whom I know for a fact has not lived at this address in the last 20 years, if ever at all. Dear Sirs Client: Hilco Receivables Europe Llc Client Ref…
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Things to do - Thursday
Morning All I hope everyone is having a productive week. Today, I have to bank a cheque and £30 - to stop me spending it!!!! Got to go to Wilkinsons for some deoderant and stuff and to the poundshop for some crisps (Going to Birmingham on Saturday and need a packed lunch!) Got a few big projects to finish at work today…
