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It was such a good feeling to see
£172 appear in our bank account from paypal. It was gained by selling totally non used & non wanted possessions in the house. It is now going to be transferred to take another nibble of the 19% MBNA Crap Card. :D I have plenty more sales in the pipeline. TBH I was getting a bit down again today and I needed this incentive…
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new dmp soa any ideas to cut costs
Hi had my light bulb moment between christmas and new year, spoken to cccs and set up a dmp just awaiting creditors responses. Here's my soa Net Income £1428 Mortgage £527 water £29 c/tax £48 gas £23 elec £25 house ins £26 internet £8 phone £16 mobile £10 tv £6 life ins £29 redundancy ins £14 pension £154 road tax £15 fuel…
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need credit
hi i was wondering if someone can give me some advice please.. ive got 12k on a credit card i want to pay off,,, ive had problems gettin credit in last few months as ive had a few missed payments on my accoutns,, ive no ccj's or anything like that..i recently payed for my experian credit score and was horrified to see my…
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Banking question-please help
Hi all, Does anyone have any experiance with putting cheques into the alliance and leicester. I put 2 in through the branch yesterday and they are not showing on my internet banking. Normally they show up the next day and then show that they can be drawn against on day 4 or 5? I'm worried that they aren't showing and i'm…
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Dont forget to check your tax code
Hi Guys and Girls, Just a reminder more than anything to check your tax code. I found out that I have been paying tax in my new job since August so can expect a tax rebate. I called the IR today to give them a kick up the bottom and they told me that the rebate will go back to April. :p (sorry to gloat) If your tax code is…
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CAB - Lloyds help.
Hi, hubby and I are trying to tackle our debt situation. We currently have an overdraft with Lloyds TSB which is running at £1,000, (half of which is made up of charges) as well as a consolidated loan (which was taken out on Lloyds advice). We have completed a statement of account with the CAB and they have advised us to…
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ccj or not ?
can a ccj be put in place without you being contacted ,i had a letter from debt managers ltd weeks ago about a debt they was after i worked it to be 7 years ago since i had made any payment then i moved , so sent them the statre barred letter 2 weeks ago no letters since then , so i am asking could one turn up saying still…
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Big debts - ever seen anything like this?
First post, so hi everybody! I think I’ve come to these boards in desperation as I can’t really see a way out of our debt. As a bit of background, I’m 30, married with 3 kids. Due to having children early, stretching to get on the housing ladder and setting up a business, as well as not being great with money in the past,…
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How to remove a CCJ
Can anyone advise how to remove a CCJ? It has been paid within the month that it was issued - however, there was no date on the form from the court that advised the dead line. It is dated 11th January and has now been paid in full. I understand that you have to provide proof of payment to the court but is that it with a…
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ccj ?
hi can a ccj be put in place and still hold up 7 years later if you did not know about it ,
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New here Info Please
Hello new to this site after hearing Martin on Radio 1. We have approx £18,000 of debt that we really would like to get rid of. Debt is for various things and ranges from £200 to £2000. Would really like to get a single loan to clear debt and then only have 1 payment to make each month rather than 12. Trouble is we are…
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Bt
Ok i'm just going to have a moan, i activated my BT line and got into a twelve month contract apparently ( i always thought BT had to provide a line without contract) and then realised 3 weeks into the contract that i was tied into a deal with Sky so swapped to Sky. Now when i phoned up to cancel i wasn't told about any…
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Lowell Debt Collection - Help Please
Hi, Just wondering if anyone has any similair experiences or can offer any advice. My girlfriend had a Sears Card (owned by Creation financial services), which was basically a store card that she ran up some debt on. in 2000 we were skint and couldn't afford to eat nevermind pay £60 a month to them. So she rang up and…
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My SOA
Ok, so this looks really bad, and I am the first to admit that it is :eek: INCOME: SALARY 1 - £1900 SALARY 2 - £1900 CHILD BENEFIT - £120 HUSBAND IS CURRENTLY TRYING TO GET A SMALL PART TIME BUSINESS SET UP TO EARN SOME EXTRA CASH ON HIS DAYS OFF! TOTAL: £3920 EXPENDITURE: Mortgage £1650 - WE ARE PUTTING HOUSE ON THE…
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My Halifax overdraft..
Hello, I'm new here and I'm looking for advice about overdrafts and bank charges. I have had an account with Halifax for around 7 years as well as an older account with Lloyds TSB which I've had for around 13 years. I have never kept my Halifax account in good order and have received many charges over the years. Around 10…
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im new here, hi everyone
hi I just wanted to introduce myself really. I've been lurking around these parts for a few weeks now!!! I will post my soa soon but I think i've got my debts under control. we have been with cccs since jan 07 and although our debt free day is 2020, i'm hoping to get rid of it sooner. I've taken on a second job, although…
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Got myself out of mobile phone contract
After disasterous service, I managed to complain enough that the network have arranged to take return of the phone and cancel the contract - it means i'm still on monthly but it's not going to bind me. My last bill was obscene due to my boss making me use it for work use - when on call this can mean using well above my…
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question about interest free debt...
I should be able to settle my Egg Loan (7.66% APR) within a year or so. Then, the only debt i will have is 0% APR debt (debt collectors / credit card arrangements / social fund). What i want to know is whether its best to keep these on as low as possible monthly payment for ever? I know they could be stuck around for…
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Baliffs--------any advice please
hello everyone i'm new but have been looking through the posts and see that there are alot of people here with excellant knowledge about a lot of stuff. I would like to kindly ask if you cud advise me on a certain matter. my husband got some parking tickets in 2006 we didnt know about them until we recieved a letter from a…
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Bailiff Help Urgent Please Help!
Hi, I have posted on here a couple of times regarding old student debts from my shared house and some of them i have managed to get under control thanks to you guys!...however... When i tried to contact the council about two outstanding council tax bills from 2 previous properties they said they had been passed to bailiffs…
