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Soa
Statement of Affairs and Personal Balance Sheet Monthly Income Details Monthly income after tax................ 1423 Partners monthly income after tax....... 0 Benefits................................ 0 Other income............................ 0 Total monthly income.................... 1423 Monthly Expense Details…
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Can you offer a full and final on a debt subject to a CCJ?
Hi, can anyone point me in the right direction? I am due a bonus every three months. The next one will be paid around June and will be about £3.5k. My loan is just under £5k but has a CCJ attached. Long story and not very original i'm afraid! All my other debts shoud be cleared by then so i want to know if i can offer a…
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Secured Loan and debt
First post and delayed because I could not face my realities. I owe two months to Picture, with other credit card debts. I have domne my own SOA, but fear posting it. My plan is to agree with my non-secured creditors a lower repayment and so divert the 2saved" money to my secured loan with Picture. I am worrying more and…
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Made redundant, single mum, panicking, need advice!
Hello! I found myself on here a while ago, but circumstances have changed so was after some advice from you lovely people! I was made redundant last week. I have been working recently 22 hours, with the rest of my money made up from tax credits, housing benefit and child benefit (I have two kids aged 1 and 4 and am a…
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Help needed for a friend who signed as a guarantor
for an old boyfriend (stoopid i know!!!) for a car value of 7.5 k.They fell out big time split up and she moved to a different part of the country.Then out of the blue a few years down the line a summons for 15k appears on the mat.My friend knows that she owes some money but fails to understand how the 7.5k minus payments…
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Need to sell my car FAST!!!
Hi Guys I really need your help and wisdom we are struggling more than ever at the momment and we dont know where the next meal is coming from We have decided to sell my car (hubbys drives for a living and needs his) to be honest i only really use mine for shopping and the school run the thing is i have 3 dds 6 and under…
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SOA inside..... My debt diary...
Just an update of my SOA, since cutting back on a few bills Statement of Affairs and Personal Balance Sheet Monthly Income Details Monthly income after tax................ 2200 Partners monthly income after tax....... 0 Benefits................................ 150 Other income............................ 0 Total monthly…
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£8000 Paid Off!
Just made a payment to Creditors and realised I have now paid off £8000!. Feels good to have done so....but also really frustrating to have got into debt - that £8000 could have been put to so much better use. Oh well. Next target £10K. Have a good day all.
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Nice Offer They must be getting desperate
I have a credit card with Skycard (aka Barclay card) I owe them £1600 and their one of a few lenders I am paying via Payplan since Dec Anyway cut a long story short they just phoned me up to say they will settle the account if I pay £800 or £200 x3, seems a good offer sadly I don't have that sort of spare cash to payout…
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pap/moozies what have/will you spend today Tuesday 15th April 2008?
Morning all:hello: Should be a NSD here:rolleyes: Hope you all have a terrific Tuesday:)
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Payment Protection Schemes
Morning all, I am after some informed opinions as ever! I have cut my debts down to just one loan and one credit card which I can manage to overpay to clear my debts as fast as possible (aug 2010 currently). All this was done with a bit of cutting back and the help of the DFWers and MSE. I feel good that my head is out of…
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Credit card question!
Question : Does it matter who has what debt in their names? Hi, my fiance's credit card is charging her £24 interest per month, im going to put it all on a new 0% for 15 month virgin credit card as we arent going to pay the card off before the start of next year. My question relates to who's name the card should go in. We…
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Tuesday 15/04/08 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…
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*Daily Chat Tread* : Tuesday 15th April
Good Morning Lovely people:hello: I am up early this morning to prepare myself for my job interview today. I feel slightly nervous but I am not running to the toilet every five minutes which is a good sign:rotfl: I am just about to have a bath to relax and do my last bits of preperation before heading off. Thankyou for…
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Would you take the money?
Hi all, I've been reading the forums for a while now - everything has been so informative (esp. DFW) that I haven't needed to ask a question yet... I am in debt, and have got my and my new-ish husband's credit history into a right old tangle. I'm desperate to get back into the black again - it's just so stressful, as I'm…
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Help and Advice Needed Please (SOA incl)
Hi, we're M & F and are in serious :eek: with our finances. That's the easy bit - we've been putting off confronting - and more importantly, doing something about our financial situation. It's scared the *&%* out of us doing the SOA this evening (see below), and highlighted the fact that we are not even sure we have…
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Buchananclark + wells (originally posted elsewhere by mistake)
Not sure if this is the right place to post this but advise would be helpful. I have opened a letter by mistake that was for some one who use to live with me in 2004 saying there debt investigation officer will be visiting. I do not know where this person is (well I know they were last heard of living and working in the…
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CCJ Help!!!
Could anyone please advise, i had a large ccj issued in 2004. I am currently paying the lender a reduced amount each month agreed by the court. Could the lender suddenly ask for more money, also how long will it stay on my credit file 6 years from issue or 6 years from pay off :confused: Many thanks
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aktiv idiots
god, i am still so angry,and i did loose the plot with the idiots at aktiv, now what i want to know is how and who do i report them to. the story is back in Dec i ask Aktiv for the CCA on the a/c, they couldn't supply it, they have had all the letters, they acknowledge they didn't have any paperwork but they were still…
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Debt Consolidation
Hey everyone, A bit of advice please... I have been offered two debt consolidation loans... and the pure purpose of these is the make the payments of my debts managable. I have no intention of racking up credit cards again, I really have learned my lesson, and had all the sad and lonely nights in the house at the age of…
