-
Any advice appreciated
Hi there, I think the time of living in denial is almost upon me.. I'm ashamed to be in the situation I am, I am where I am due to me and only me. Basically all throughout my 20's I spent money on crap I thought would make me happy to try and compensate for other areas of my life and also then I couldn't see me having a…
-
here's some thing to make u laugh at me
hi all as you know I've been selling on ebay well tonight I washed out what i thought was a glass bowl that my mother gave me when she cleared out her cupboards i had made a jelly in it this week. when i dried it i noticed it had a stamp on the bottom its only royal doulton crystal ! I won't be making jelly in that again…
-
has anyone had court papers thru from marlin
hi all we joined this site 2 weeks ago when marlin said they were taking us to court for a debt they had bought from hsbc even thought we have been with payplan for 2 years and been paying them regularly . sorry for long story but its been over a week now since that horrid phone call and we've had nothing has anyone else…
-
Desperately need advice on getting interest frozen!
Hi there everyone, I am currently just about surviving with monthly payments and am just in 1 months arrears on one of them. However next month I will be worse off as I am in a transition with work where I am moving from being self emploed to employed as im not earning enough. Is there anyway I can get the interest frozen…
-
1st ebay auction a success !
Hi all popping in again I was inspired by you lot and your mad ebay challenges I thought i would have ago too. So cleared out the kitchen cupboards of teapots milkjugs etc and made a whopping £150 !:T I have paid half of car finance arrears with it !!! feel so positive I went up in the attic and found glass ware and stuff…
-
banckruptcy
hi, really need much info on becoming bankrupt with a business. we have struggled for a couple of years now and had loan after loan which has just made the mortgage bigger,had an iva which has just 2 payments left but cant see a light at the end of the tunnel now, it is now a ltd company and its just my husband and myself…
-
First CCJ and extremely worried
So i move away from Nottingham and after returning this weekend for the first time for a while I find a CCJ waiting to be collected from my post forwarding address. Apparently I didn't pay my last council tax bill and during the 5 month interim I was taken to court and lost. Therefore I now have a CCJ. Apparently you can…
-
Living on next to nothing challenge - Day 1 of 40
Hi All I leave my job on Wednesday! But don't start my new one until June 2nd My current job has just paid me my last salary and I reckon I won't get paid until end of June - eek! My bank account has £744 in it! Can it be done? can you live on next to nothing! I kinda thought this thread would help keep me focused on what…
-
What do you think of this idea?
I am a fully qualified holistic therapist and was wondering about offering corporate massage where I work. Everyone there works a 9-day fortnight (which basically means working slightly longer days Mon-Thur one week then Mon-Fri the next) which, in reality, means having every other Friday off - paid. So, I wondered whether…
-
CCA Request – advice needed
I have been with payplan for over a year and everything was going well until I received a letter from Phoenix – Marlin recoveries stating that they now own my Sainsbury Bank credit card debt and as I am a home owner they want 200 quid a month to stop it going to court and stop any CCJ and charging order. On the basis that…
-
Newbie alert!! All help & advice welcome!!
Hi, My name is Kirsty, I'm a single mum of 2. My daughters are 5 and 3. I am currently on income support so pretty skint! I was declared bankrupt in 2005 and I want to sort my finances out once and for all and learn how to manage my money so I don't end up there again. I'm already back on a DMP with CCCS and that's bad…
-
Creditor Wont Help Me What Do I Do? Im Already In A Dmp
To Cut A Long Story Short, I Was Made Redundant So Couldnt Pay My Creditors, I Went To Halifax With Whom I Have My Credit Card Who Basically Didnt Want To Know Me And Told Me To Get In Touch With Payplan. I Have Been With Payplan Since November Last Year But The Thing Is Halifax Keep Adding Interest Onto My Account Which…
-
I owe so much money... help with organising please!
Hi everyone, I'm just hoping for some advice. I've just started a new job, but I've been a student and then a postgrad for ten years and I have a lot of debts. My student loans are deferred till next April, so I'm going to ignore them until it's time to repay them and concentrate on my credit cards. I just don't know which…
-
Pap/Moozies what have/will you spend Sunday 20th April??
Good Afternoon everyone:D So where are you all:confused: busy carbooting, ebaying, clicking, surveying,working etc I hope,:rotfl: & not spending:eek: I couldn't find the thread so hope this isn't a duplicate Well the usual today, got a paper for the free Alan Partidge DVD, also had to get some Capri suns for the kids lunch…
-
awaiting a distraint visit from hmrc
hi everyone I am new here and as the name suggests i am in the doodoo, i have an outstanding self assessment tax bill of over £6000, it may as well be £600000. i have no prospect of paying it and have been told that the tax man will visit me and take my posessions for auction under distraint. I have few possesions (a £400…
-
Scared to death
Hello all, as the title says, I'm scared to death right now. I have a hell of a lot of debt, (credit cards, loans), and am at my wit's end. I was until recently serving in the RAF and managing my debts well, but since I've left I've had to rely on credit cards to pay my way - stupid I know! My rent has increased from about…
-
Tesco late delivery
Does anyone know what Tesco's policy is on late delivery of shopping? I know I have seen that Asda refund the delivery charge if it is late, but don't know what Tescos policy is and my groceries are late. Many thanks Shabby
-
Addresses For Token Payment
Hi all , i was wondering if anyone has the address for the following creditors I have to send token payments and want to make sure they go to the right address. Maybe if you have recently started a DMP you might know the answer . Also CCCS need them for the paperwork to go to for a DMP LLoyds overdraft Lloyds credit card…
-
Cccs Or Payplan......dmp, Iva Or Br
I currently am in a DMP with Payplan.....May will be the 4th Month....not entirely convinced they were the right company to go with......I know doing DMP does not stop you getting hassle from creditors......Im getting hassle from 1st credit at moment..........I have considered entering a IVA or Banruptcy as under current…
-
Swapping Debt Management Companies??
Hi all, I finally bit the bullet.. hauled all the unopened envelopes out of the kitchen drawer and took my head out of my butt and faced my debt problem a couple of months ago. As you all know this is the hardest step and I really wanted someone to do some of the work for me.. (fearing the rejection of my offers of payment…
