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is it worth having two bank accounts?
i have had an account with HSBC for the past 9 years but have gradually been moving everything over to first direct. i have a small overdraft oustanding on the HSBC account and i'm wondering whether to aim to pay it off and close it down? i had the account when i was a student, and it then turned into a graduate account if…
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Please Help Me- Robinson Way DCA
I have been receiving letters from Robinson Way regarding an alleged catalogue debt, I believed I cleared this off a number of years ago, Great Universal for £220. So I wrote a letter requesting a signed consumer credit act from RW and today i got this reply and i don't know what to do now...i haven't admitted any debt…
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how much will you/have you spent fri 13/04/07?
morning all nice day here today, a little cold but i am hoping it will pick up :) pay day today :D so i will pay off some more debt and then i have to budget everything other than bills :rolleyes: dont plan on spending anything today, doing a late - late at work so wont get home untill nearly 10pm, ah well, i hope someone…
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13.4.07 what small dfw thing will you do/have you done today?
Morning peeps and welcome to Friday :j I did a lovely thread full of encouragement and wisdom (:confused: ) but then my laptop crashed and I lost it before it got as far as being posted :mad: So to save myself doing it all again, you know what to do!! Let us know what small steps you are taking on your journey to being…
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should councils let bailiff collect unpaid council tax for those on is/jsa etc ?
Should councils automatically pass unpaid council tax arrears etc to bailiffs even though they can deduct £2.90 at source from a tax payers benefit ? just wandering to many cases are about where this is happening.
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distress warrant
i would like to know what people think of this thought i had. If a bailiff executes a distress warrant etc. then in the likely event of it being executed incorrectly would it not make sense to sue them for distress its self ?
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bailiffchaser vs barclaycard
in september of last year i sent barclaycard a subject access request. I recieved the relevant statements etc from them and then i took them to court for £2100 approx of charges illegally levied on my account. i had a hearing date next week and today they phoned up and offered me to settle . Which i accepted in total they…
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Moderation Or What
I have just been told by a moderator on another site that i can go and write on another site as it does not matter. However i have finally decided that i have had enough with the other site and i will write exclusivly for this site. So if you have any bailiff questions throw them my way. I will be glad to guide you in the…
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Excel Formula - Please Help!
Hope someone can help me! I need a formula to work out the following: To take a loan amount (£2487.86) and add on the monthly interest (1.24%) and then subtract the monthly payment (£65). This would then give me the next month's figure, for which I can use the formula again. I have sort of done it, but its complex, and I'm…
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Help Bank Account afterwards
Hello All New to here :D I've got a court date 21st May for bankrupsy.:o Only problem I'm finding is another bank account. I know Barclays will close my account when all is done and dusted (even though I owe them ziltch), the court advised Nationwide. Went to Nationwide and its a no no as one of my debts is a cc with them.…
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feeling sorry for myself....
I do look at this forum a lot as it has been a huge support to me but reading how people deal with thier debts has highlighted what seems to be huge descrepencies. I have read about people who are more in debt than me and have been able to do DMP's via CCCS etc. CCCS and Payplan turned me down on the basis of thier figures…
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A quick question about the Adams storecard
I've just been catching up on some much needed filing, and noticed that I haven't received a statement for my Adams storecard since 6th Feb. That means that March's is definately missing, and April's could possibly be in the post. I know that there's some discussion about Adams stores and whether they've gone into…
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I Can't See It Ever Ending
My overdraft that is. Sorry - rant coming along now..... I'm so down and I hate being like this, it really takes so much effort to drag myself out of this sort of mood. Last year I had to borrow more money because we got broken in to (sorry to harp on about that) and we had to make security improvements which we did. Now,…
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New bank account advice please.
Hello, i'm in the process of applying for an IVA and have been advised to open a new bank account with Nationwide. Just a basic one with DD and no other facilities. Its been soooo long since i first opened my account i have no idea what to do or where to start. What do i need to take with me? How long will it take to…
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Iva Help?
I posted earlier about my Payplan pack, well thyet have well and truly messed up our figures, i have just been going through them. Debts that belong to me on my OH's paperwork and debts that belong to my OH on my paperwork!!! They have also asked for a letter from my husband's empployer to say that his employment will not…
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debt collection agencies fees
i have recently had a debt sold by the bank to a debt collection agency. they have added a fee to the debt of nearly £2000. looking at the current situation regarding bank charges it seems to me that it cannot be right that they can levy a charge against me for a service that i did not ask for can anyone offer any…
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Any advice appreciated please
Hello - this is my first post and was just after some advice please. My father in law has recently lost his job, well he is technically self-employed however the other guy he has always worked with (the last 35 years) has now decided to retire and as my father in law only worked with him and didn't have his own private…
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Working whilst a DFW??
I'm due to start my new job on the 23rd, the main reason being so I can clear my debt quicker. This site has changed me and I now deal with the debt rather than not. Anyway - I am planning on taking packed lunches to keep costs down, but would appreciate any other tips/advice to keep me on the straight & narrow. Also,…
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Spreadsheet for reducing debts
Hi all, I keep a spreadsheet detailing all my debts, and timelines of when they should be cleared, with the debt reducing over time etc. But I have not managed to get my head round the interest side of things. Is there anyone who can help me work this out, or who has already done this? I would be so grateful. I'm pretty…
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IVA Creditors Meeting
I have today received notification of my IVA Creditors Meeting on 8th May. It says in the letter that i do not have to attend but creditors may want to speak to me and they may want to give advice. The meeting is in Blackburn and I live in Herts so it is not a very short journey. Have others attended their meetings and…
