-
Want to save money but have a huge thorn in my side LEGAL ADVICE NEEDED
Hello all, I'm new here so not sure I'm posting this in the correct place (Mods, feel free to move if it's not!) I'm at the end of my rope with a legal matter and any advice would be greatly appreciated. I am owed almost £2,000 by an ex-employer who refuses to cough up. The ex-employer works freelance so it is increasingly…
-
between a northern rock and a hard place!!
I need help and advice from someone about northern rock. I have been on a dmp since april with no problems at all then I get a letter from northern rock wanting financial update in sept. When they realised that no increase in payment was forthcoming they phoned me saying even a £5 would do if I sent it separately from the…
-
What a relief!
I have just returned from the local CAB where I was given some really good advice and a plan of action - budgeting sheet etc and a holding letter for my creditors. How do you rate the response to the letters? I am not in arrears with any of my creditors at the moment so its new ground for me. The CAB advisor said that I…
-
Here i go... I need all the help/advice I can get please guys!
Right then here goes people the rather long and miserable story of my finances! Basically I have lived in my house for three years now and its just come off its fixed rate and I cant remortgage it. I was living with my partner until recently in his house and was renting mine out for 400 per month and was paying all bills…
-
HFC, Court and additional charges.
Hi all, As you can see finally dealing with my debts and on a DMP with CCCS and paid off a good chunk! However... I have received court papers today from HFC but I am a little confused... It states that the default balance is £8105.53 - I have been paying to this account and therefore I believe the balance is less than…
-
new debt free wannabe
Hi all I have been registered on this site for a while but its taken a while to look at all my debt and become proactive and get it gone. Its about 21K which I can't beleive its that bad. anyway - always on the look out for tips and stuff.
-
£23k on credit cards - help please...
Hi In desperate need of some help and or advice. Have got myself into a real bad situation where me and my partner have £23k on credit cards... 1st thought was to get a loan to clear it all - so we applied but I'm self employeed and he has a bad cxredit report so we have been declined but just about everyone - cant get a…
-
How much do I offer???
I owe around 65k to several lenders, and have been ignoring most of them. I will soon have 19k from the sale of my fathers house, and want to make full and final offers to them all. To make sure that they go for it, should I aim low and negotiate, or just tell them what I have and what I can give with no negotiations? Your…
-
Repaying overpayment of housing benefit!
I have been overpaid, £668.00. My daughter didn't tell me she had a change in her benefits (she said she was on a training course) and I was overpaid HB. I am now single, estranged from my daughter, and left with this debt, and 2 children to bring up. My HB is being stopped by £9.00 a week. I have offered to pay £10, to…
-
Help Please?
Can someone point me in the right direction of a letter for Full and Final Settlement where you are sending off the payment from a third party, i.e. family member paying it off for you.
-
Daily Chat Thread 29th November
Morning all.... hope everyone's well!!! Anyone else affected by this stupid Quidco paypal/bacs whatever problem???? Got £188.17 on hold now because apparently my paypal limit has been reached even though I've always used bacs...stupid thing.. I need that money! Anyway in better news.. our baby K is 10 months old today!!!…
-
What have/will you spend thurs 29th nov 07?
Wow look at the date ~ almost december :eek:. Well i hope you are all having a good day and i hope it goes fast for you. Anyways how much have/will you spend today? I hope its kept low ;) and remember martins moto :p take care all and dont work too hard. Me i am at work so will prob buy a can at lunch and maybe a mince…
-
Thinking of goig brankrupt - what happens?
Hi guys, I'm new to the forums but have been reading a few of the threads. I've been in financial difficulty for about 5 years now, I owe about £25k to various creditors and have no way to pay back (which doesn't leave me pretty much broke). I can't cover any significant payments on my wages and the only perceivable way I…
-
Any advice gratefully received....
I'm currently in a pretty dire situation. I'm in considerable debt and not sure how to get out of it as my income seems to never be enough. Currently, I owe: Capital One: £5120 @ 5.9% for life of balance Marks & Spencer: £2700 @ 3.9% for life of balance Halifax: £2080 @ 0% til August 08 MBNA: £700 @ 17.5% That's not…
-
Homelessness doc on BBC1
Anyone else watchin? Homelessness is one of the biggest sins of our so called 'developed' society, IMHO. Good documentary, makes me feel humble in my troubles.
-
Advice needed on council tax
Hi guys i am in a right pickle with the council tax, i am a full time student and i need to pay my fees, my fiance works full time but he makes enough for the bills and thats it. We had the bailifs at the door today and they have given us 5 days to pay the full amount owed which is £522. Guys please help x
-
Unknown Debt, what do I do??
HI all!! As some of you may have gathered I have been making great in-roads into my debts recently, and am on track with everything, having increased my income and sold the property that was a big thorn in my side. So imagine my shoch when I got in today to find a demand from a Co. I know nothing about, for an amount that…
-
So annoyed with ourselves-riding the debt roundabout again!
Hello Am a lurker on these boards and have been since 2003. I just wanted to ask if there are many people that, once having repaid all their debt, have managed to get themselves back into a similar situation?! Well me and my husband have and I am soooooooo annoyed with ourselves. A few years ago, our debt was nearly…
-
Saucy!
Hi I've not been on here for a while but I wondered if anyone could help me. I read some time ago about some saucy texting that you could do, similar to the home working process that AQA do. Could anyone tell me the name of the site that does this please? Thanks
-
police,cars and bailiffs did you watch this today ?
What did you think of the bailiff actions ?
