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Need Advice Thomas Cook Problems
Hi I have had a problem paying for my holiday for Sept 07 and now i'm being chased by debt collectors for the second deposit. Basically me and fiance booked a holiday with out friends as a kind of couples holiday for next year. I paid the first deposit of £100 and the next deposit was due 31/08 for £295. Unfortunately our…
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Working lunch 3rd Nov 12.30pm
They are talking about involvency on Working lunch at the moment if anyone is interested.
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Help! Need Capital For Business But Have Debt!!
Hi Everyone, Just seem to be stuck in a vicious circle:eek: My husband and myself are both self-employed and for the past year been working long hours to start our business. I also, as well as helping my husband,work freelance as a designer to pay all the monthly bills. We have a mortgage of 107,000 on house worth 150,000…
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Just wanted to say Payplan are so nice
Hi Me again! Just wanted to say if anyone worrying like me about phoning Payplan for advice don't be. I filled in their email advice contact thing this morning cos I felt too sick and scared and guilty to ring them up. and a lady phoned me back a couple of hrs later. I was sooooo nervous of what she would think of me but…
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Somone to go on telly to talk about insolvency
Morning everyone! The BBC News 24 team is looking for someone who's gone bankrupt or is facing bankruptcy, partially due to their dealing with an Individual Voluntary Arrangement, to appear in a live discussion today. You'd need to be at the studio by 5pm. Ideally the interviewee would be able to go to the studio at BBC TV…
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Newbie in a HUGE amount of Debt and Depression
Hi... I have been receiving the newsletter for quite a while now, but have never been brave enough to write anything or approach the board for advice, so I appologise if I ask some obvious questions or you all get sick of my askinga question that everyone else has asked previously.:embarasse I have been on sick leave from…
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DCS contact via telephone - Anything to look out for ?
HI Just recieved a letter from a DCA who refused my offer of a payment plan asking me to call them urgently . Im about to call them but wont budge on my offered amount as its in line with what others have been offered and is fair in relation to my budget. Can i insist that from now on they only contact me by letter ? Any…
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Temping in Manchester (Admin/PA work)
Please feel free to move if in wrong section but just wanted to pass my knowledge onto any DFWs it might help... Hey there Have been temping for a number of years in Manchester sometimes on good rates and sometimes on not so good rates but towards the last few months of temping (grrr!) I found out about Manchester Temps.…
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A quick but heartfelt thank you
Hi all This is just a quick note. Over the last couple of weeks I've posted several small, and probably very trivial looking questions on here about loans, and the processes etc. Anyway, I'm glad to say I now have the funds in the account from my consolidation loan with Natwest. I know this isn't the way most people go,…
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Your Money or Your Wife (C4)
Has anyone seen this programme?
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Feeling Positive
Hi guys, I just wanted to let you all know that I have been online this morning and filled out a form for the CCCS and they have come back to me to advise that I do not need to go onto a Debt Management Plan as long as my OH helps with the payments which we have talked about and he has agreed to help out as much as he can…
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Why is it.......? (long moan, sorry)
Sorry for the gloomy post first thing in the morning, but why is it that whenever things start looking up, something always happens to bring it right back down again? A couple of weeks ago, when I was away, my OH sold our car. He got another car thrown in with the deal, so I thought 'great, we've still got wheels and the…
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Here's my SOA- All help appreciated
Hello all, been reading the site for ages and finally took the plunge and have registered...dunno why it took soooooo long! heres my SOA, total earnings £2,600.00 rent -£865.00 council tax -£130.00 loan -£350.00 CC 1 -£100.00 CC2 -£60.00 Utilities -£100.00 travel -£170.00 Food -£200.00 petrol -£50.00 mobiles -£60.00…
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Here's my SOA- All help appreciated
Hello all, been reading the site for ages and finally took the plunge and have registered...dunno why it took soooooo long! heres my SOA, total earnings £2,600.00 rent -£865.00 council tax -£130.00 loan -£350.00 CC 1 -£100.00 CC2 -£60.00 Utilities -£100.00 travel -£170.00 Food -£200.00 petrol -£50.00 mobiles -£60.00…
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Here's my SOA- All help appreciated
Hello all, been reading the site for ages and finally took the plunge and have registered...dunno why it took soooooo long! heres my SOA, total earnings £2,600.00 rent -£865.00 council tax -£130.00 loan -£350.00 CC 1 -£100.00 CC2 -£60.00 Utilities -£100.00 travel -£170.00 Food -£200.00 petrol -£50.00 mobiles -£60.00…
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Lowell Financial- Advise needed!
Hi there Any help would be appreciated........... My husband received a post card type thing in the post saying that someone was trying to contact him. It didn't say who they were and so it was ignored. 2 weeks later and he gets a letter from Lowell Financial saying that they are trying to contact him about a previous…
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Hello
Hi everyone, I'm a long time lurker. I have a £4050.69 credit card debt with Barclaycard which I defaulted on and is now in the hands of CSL. I prefer not to say quite how that happened, but it wasn't 100% my fault. I have a monthly salery of £830.09 after tax, NI etc. My monthly outgoings are as follows: Rent: £200…
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How much have/will you spend today Friday 3/11?
Good morning lovely DFWs :D Beautifully sunny morning down here but ever so cold! Did my eskimo impersonation again this morning on the way to work :rolleyes: Have a bit of a headache this morning, I think it's down to being scared about seing the chiropodist this afternoon :eek: I tried to get it done at the hospital but…
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In debt not sure where to start. Overwhelmed.
Hello, i'm looking for advice i can act upon asap please. How can i move a £9,000 overdraft with Lloyds tsb to a credit card or something and pay less interest please, i'm paying off what i can per month but bank charges are over £60 per month and i'm getting overwhelmed. Please someone help me. Thanks and i feel ashamed…
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I just feel so ashamed
I dont know how I got here...............facing all this debt Tonight I worked out I owe just under 24,000 on credit cards I have just gone through the online budget with ccs and have submitted my details, they have advised they will now write out to me. right now I am feeling like just ending it all
