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Need advice re form for court
hi there i have been sent a form by the court to ask me to provide a budget and state how much of my student loan i can pay back each month. i was paying it off but i became a bit erratic with it. Now they have my old address and i am now at a new address. My old address was my parent's. Someone said to me not to tell them…
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Tax Credits-Help??
The lovely people at the tax credits office have stopped our tax credits payments because they overpaid us this year based on last years income. :j (thats sarcastic smilie, BTW) Anyways, last years income was higher than expected because I worked my danglies off doing 50+ hours overtime a month which has since stopped…
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Drowning in a vicious circle of debt
Hi fell debt free wannabees. Can I ask for some advice on my predicament. My income and expenditure is such that I have no money left over and have to keep resorting to putting everyday expenses on the credit card. Things are particularly bad at the moment as I have to regularly travel up north to see a loved one who is…
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A quick £50 for a person with the right book....
My mate is desperate to get hold of a copy of the following book: The Wisden Book Of Test Cricket: v.3 1996-2000 If anyone has it and wants to get rid of it, please PM me http://www.amazon.co.uk/Wisden-Book-Test-Cricket-v/dp/0747272794/ref=sr_1_5/202-4328686-9635868?ie=UTF8&s=books&qid=1185820431&sr=1-5 Thanks Steve
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credit rating.
Hi friends, this is my first post on here, i am looking for some advice on how to repair my credit history. Lately i remortgaged and paid off my debts, most of them i negoiated a settlement figure with, however, i am trying to get a credit card, just really to repair and rebuild my credit history, but am unable to do so. I…
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days out help needed
hiya, i have 6 neices but i want to take the oldest 2 out with me and my boyfriend this month at a weekend. they are 12 and 10. they are fab kids but i need to find somewhere cheap and near east midlands. any ideas???
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DMP or IVA what is the best ?
This is my first post and I have been reading the forums for weeks now and have eventually got up the courage to contact payplan with regards to our financial situation and they have called me today, we have debts of £51,000 and with a net income each month joint of £3100.00. They have made recomendations of a DMP or IVA,…
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Help!
Copied from ' A big hello from the CCCS' started by MissNoMoneyPenny Hi Matthew & Emily I am in complete turmoil at the moment and would be very grateful of any advice please. Basically, I have accrued unsecured debts of approximately £40,000 and I am only temping as far as work goes, so my income is not even guaranteed…
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Flexible options?
Bit of background, I recently took out an £22000 loan to consolidate all of my debts with Barclays the balance of which is currently £21,500 (approx). I have fixed payments of £371 per month. The loan rate is approx 10% over 7 years. Now fast forward a few months, I have worked out that by Dec I will be able to make…
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Help and Advice Needed
Hi everyone The time has come for me to sort my debts and life out!! Back in 2004 I ran up debts of around £10K, I was stupid at the time and I just ignored all the letters from the creditors and did nothing about them until 2006. I know I was stupid but at the time I just thought if I ignore all the letters and the phone…
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IVA and retired
Hello everyone I have just turned 60 and took early retirement earlier in the year. I have been spending my time on the internet and have totally messed up and got myself a 65k debt, have snapped out of it now but now in a right mess. Im a level headed person but need some guideance on what i can do as i am not sure if i…
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More SPAM PM's !!!!
Does anyone know how to report a PM as :spam: ? In the meantime could Robingood kindly go forth and multiply?
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Opening a new bank account Ex Army
Hi all. There have been similar threads to our story but this is slightly different. I recently sat down and chatted to my son who has admitted that he has £22k of debt with 2 creditors. He officially left the army in June and was paid upto that time albeit he did return home on resttlement in March. He was in the army…
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No Way Out, Please Help!
Hi all, I really don't know where to start, or where to begin to be honest. I guess like a lot of people in here I just ignored my problems and now the debts have started to pile up, and to be honest I can't see any way out, sounds melodramatic but it was only after my trip to beachyhead last night that I decided that…
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No Way Out, Please Help!
Hi all, I really don't know where to start, or where to begin to be honest. I guess like a lot of people in here I just ignored my problems and now the debts have started to pile up, and to be honest I can't see any way out, sounds melodramatic but it was only after my trip to beachyhead last night that I decided that…
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What can I expect with a DMP?
Hi all I'm just about to commit to a DMP with CCCS and I'd just like to hear from others, who are already into their plan's, of any difficulties they have had with creditors or of any action taken by creditors that they didn't expect. For example I have read of creditors harassing people with numerous phone calls. My main…
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just wiped some of my debt off!
Hi all I just wanted to let you know that today I have just cleared off £14,700 of my debts! ok I still have £17,000 left and yes I could have tried for an IVA or gone bankcrupt but I think this is the best thing for me I can now plough £500 a month to my remaining debt of £17,000 and get it cleared in around 3 years and…
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Bit of advice or help.
Bit of a fix or not depending on how you look at it. At the moment I work permanent and just about get by,but save about £100 a month.The jobs ok,home every night etc,etc.take home £1660 a month Thing is I've been offered a job in Toulouse in France making the new airbus earning £1200 a week,home most weekends,it's…
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Anniestar's surprise birthday party (bring a bottle)
It is Anniestar's birthday. Bring your Level 42 CD's, balloons, cake, sandwiches & a bottle of what ever you're drinking. She is always here for us with a cheery word and a cake. So let's party. _party_ :beer: _party_ :dance: :happylove :bdaycake: :beer: _party_ :dance:
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Can they take my mum's money?
My mother has an ISA in my name so that she can hold more tax-free savings. I am going to declare my debts but I'm worried that they will take my mum's money from the ISA to pay off the creditors. Will this happen? Thank you for reading. :eek:
