-
Statutory Sick Pay Advice
My wife is currently off work with post natal depression and will shortly be on half pay which will be reduced £600 a month from £1,200. Someone at work has mentioned that she will be eligible for SSP as they top up but I dont think this is right as SSP is £75.40 per week making £301.60 per month but she would be earning…
-
f**king hsbc i am gonna scream.....
this one will make you laugh or scream! i am going on the laughing side, as its so stupid that its the best thing i can do! the delightful HSBC sent me another letter today!Finally agreeing to my dmp plan to pay them £49ish a month to them to clear our credit card and od.:j however the following bit just shows how…
-
Pap/Moozies What have/will you spend Thursday 24th April ??
Good morning all :D Hoping for a NSD today & have put another £200 in my Rainy Day Savings:T Have a good day all;)
-
Can Anyone Clarify Something For Me?
I'm in a bit of a quandry and would like to appeal for any advice on the following, so thank you all very much in advance. (usual story!) When i was at university i ran up some hefty debts to the tune of about £15,000 (two credit cards and an AA personal loan). On top of that i had council tax debts, water rate debts, rent…
-
Credit card and loan debt
Hiya I am totally at my wits end now and can't seem to find a way out of all this. I have mortage fixed until next year (£514) on a hosue worth £165,000 and the balance is £95,000. But I also have £35,000 on credit cards and a loan (which my kind ex husband left me with!!). Obviously my income doesnt cover all this and…
-
Feeling Very Low - Worrying Letters From Lloyds
Hi, All I Ever Seem To Go On About Is Lloyds On This Site, The Last Month Has Not Been A Good One. I Had A Letter Stating Removal Of Overdraft, Then A Letter Saying Payments Had Gone Out (no Transactions Have Gone Through, So I Am Assuming Interest Charges), Then A Grey Sechiari Clark And Mitchell Solicitors Letter…
-
Credit card and loan debt
Hiya I am totally at my wits end now and can't seem to find a way out of all this. I have mortage fixed until next year (£514) on a hosue worth £165,000 and the balance is £95,000. But I also have £35,000 on credit cards and a loan (which my kind ex husband left me with!!). Obviously my income doesnt cover all this and…
-
Thursday 24/04/08 What small dfw things have you done today???
When we start out on the DFW trail we do loads of "big stuff" that makes quite a difference to our situation. These include having our lightbulb moment, cutting up the credit cards and cancelling Sky and the gym. But once we have done the bigger stuff, we often feel that we are not making the same amount of progress, when…
-
no record of debt
I have recently sent a SAR to Barclays so I can whether I have been paying ppi and also to get a balance of how much I owe still. I have been repaying this loan through a DMP for the last 7 years!! I have received a reply from the Data Protection people at Barclays who inform me that they unable to locate any substantive…
-
Daily Chat: 24/4/08
Morning all. Today is the day after the night before.... Decided with OH last night to split-amically as we are both unhappy and dont' feel we want to make it work anymore (I know I am sounding callous about this but I am just trying to hold my emotions together) We both said that if we didnt have kids, we wouldnt be…
-
I am £94,761 in debt
:eek: As you can tell by the title of this post I am £94,761 in debt :eek: and I want to be Debt free within 10 years. I AM going to make this happen. This is spread over 5 debts, I am going to post weekly to show you all how I am doing and to keep myself motivated to do this gargantuan task (if I think there is someone…
-
Charging Order hearing.......gulp!!
Hi All, I've been lurking around this site for some time and have finally plucked up the courage to ask for some advice regarding an upcoming Charging Order hearing. I would be grateful if any of you lovely people who have been through (or are going through) the same situation would share your advice and experience. First,…
-
thanks to all
Hi all, Been lurking here for a while and reading everyones posts. Just wanted to give a big thankyou to you all as reading through these have made me face up to the fact I am in debt and to start sorting this mess out. So once again a big thanks to all who have shared their stories and made me face upto reality
-
Debt Remedy
We're slowly getting there gathering together all the info on our financial position as there were still a few things we'd forgotten on the last SOA. Today I rang the CCCS Debt Remedy line, but our figures are so complicated it upset their computer, so we've now got a telephone interview booked. It feels better that we've…
-
Telogram
Hi, today my father in law received a letter from a company called Telogram who state they are working on behalf of J D Willaims and they are trying to establish the current residential address for someone with the same name as him. They have given us the last known address for him but this address was for his son of a…
-
Anyone know anything about problems with Final Settlements?
Hello to everyone, I've never posted a thread but have used this site for over a year in my debt free quest. I wondered if anyone has any advice to offer on Full & Final Settlements? I settled a debt with Abbey over a year ago, they have now sold on the £417 they agreed to write off and it is a complete pain trying to…
-
What Will Possibility Of Legal Action Being Taken Mean In My Case?
I am currently 4mths into a DMP with Payplan......all but 2 of my creditors have accepted offers, the one's that haven't are Citi financial and Citi cards...Citi cards have sold debt to 1st Credit who refuse to accept offer and are now threatening to take legal action, I do not own my own home...so what will legal action…
-
Mixed Fortunes
Been bit of a mixed bag in this part of debt-free wannabee land:confused: Prospect of new hours at work so that is positive but finding out that Capital One had not received my payment on time despite being paid by cash into bank 3 days prior to cutoff date was annoying but not as annoying as £12 pound admin charge:eek:…
-
Best order to pay off debts...
...Hi I am new to this and am only recently in a position to seriously start repaying my large debts. I owe 11 debtors varying amounts with varying interest rates and credit limits. I have read on this site to pay off the most expensive first but also read that the more credit you have (used or unused) can will also affect…
-
Default Notice Query
Ok, so I'm in a fair bit of debt. Aged 20, and have around £6.5k of debt. I've got Nationwide Debt Recovery harrassing me by phone, seem to have been sorted now, after firm words from my partner. My main query is a debt I have with Barclaycard (Barclays Bank plc). The Default Notice I have received from Mercers Debt…
