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OK so what should I do?
Hi everybody, 1st time poster so im hoping i can get some good advice. I'll apologise upfront if this is a bit long winded. Was going through my finances and well im in an absolute state. Ive had a look online and used a SOA so I hope this helps... My wages per month £920 total £920 outgoings Halifax unsecured loan -…
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Council tax arrears
My local council are taking me to court to petition for bnkruptcy over my council tax arrears,I spoke to the solicitor dealing with this and she said the most time I could get to pay off the arrears is 3 months,if the council accepts!!!!! Has anyone else dealt with a similar situation,the arrears are supposedly 3k????And…
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Now a single mum... what do i do?
Sorry if in wrong place, please move if needed My husband has moved out of our house, basically I decided that after a bit of a carp year (dad died of lung cancer, mum diagnosed with ovarian cancer all within a couple of weeks and just family life getting me down) that I want to be on my own for a while with just the kids…
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Letters From DCA for CCJ debts
sorry if this question has been answered before, I've spent days searching without finding the relevant information. My Mum has had a letter from debt managers ltd for an old empire stores debt, which had a ccj against it in 10/2004. Since then she did pay about £100 off to the debt agency in 2005/06. Can she ask for a CCA…
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Credit score is a right off.
Hi guys. I shall try to explain my situation best as I can, but it’s a long one. About 10+ years ago, I popped into a Tiny PC store and got myself a top of the range PC for buy now pay later. This gave me a year to come up with the £1500 for the PC. During that year I had time to see that Tiny were pretty useless, a lot of…
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Thinking of reducing my monthly payment on my DMP!
Can anyone help put my mind at rest. I'm currently in a DMP with Payplan, who I would strongly recommend to anyone worrying about debt, and I need to reduce the payment I make to them each month due to the cost of living increasing but my wages not! The big worry is I have a loan of £19,000 with HSBC among the creditors,…
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CCJ's and Debt Collectors
Hi FIrst time i have used this forum, but im hoping someone can help! can a ccj for the same debt be registered twice. Ive had a ccj registered against me which i only discovered when i recently got a credit report. Im trying to get this set aside. Now i have had a letter from a Debt Collection agency saying that they are…
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Help!!! How Do I Stop Interest Charges?
HI, I'm really trying hard to pay off my debts but I'm really concerned with my debt with HSBC. I've managed to get the other creditors to stop the interest charges but HSBC refuse to comply with my request. I pay £117 per month and I'm being charge about £72 interest so my balance is hardly going down and I feel like it's…
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bank loan
hi i wanted to know if anyone could advise on the following, 7 years ago i had a business that failed and was left oweing natwest about £20,000 some on personal loan some on overdraft and some on business overdraft that some had a directors guarantee. They put it all together and agreed of payments of £140 per month. i…
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Can't afford to live anymore!!!
Hi there, I really am in a mess... Again.... Oh no wait its still the same mess, just 3 years along :rolleyes: What do you do when you're tied into contracts? I know half of ours problems could be sorted by leaving contracts early BUT they want you to pay up the remainder of the contract. Fair enough I guess but we don't…
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Bankruptcy Info
If you are thinking about bankruptcy click link below.. http://www.insolvency.gov.uk/pdfs/guidanceleafletspdf/guidetobankruptcy.pdf Remember : You are not the only one. And the first step is always the best one. www.cccs.co.uk For advice, support and DMP.....
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Fed up with unsecured debt...
Hi All, I'm looking for a solution to deal with £25k worth of unsecured debt ... we have equity available in the house but cant really go down this route without paying extortionate interest charges due to me being Self Employed with less than two years accounts. We have been managing the minimum payments for a while but…
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I'm a newbie DFW
Hi there I've been browsing this website upon recommendation from a friend and I've found lots of interesting guides. We are pretty heavily in debt and are now at a point where we simply can't afford to live after paying all the monthly repayments. We're currently thinking about an IVA but having read the guide on here are…
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Odd kinda Credit blast from the past....Advice would appreciated! NEW INFO 24/06
So, any help or advice would be appreciated on this. I recieved a letter today, asking if a person called Mr weightgain lived at this address. As I did , I called this company and spoke to some who advised me Link Financial was wanting to speak to me. They conected me and spoke to a very nice man . He advised me that I had…
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unpaid default
Hello quite a few years ago I ordered many items from a catalogue received them and paid for them some of the items were curtains liners and tie backs which were never received I was chased for payment but as i had not received them I asked for proof of delivery ie signature before i paid for them. These details were never…
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can you change iva companies?
is there anyway we can transfer from our current iva company and do it through cccs or payplan thus stop paying our company thousands of pounds in fees?
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Wednesday 14/05/2008. What small dfw things will you do 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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Seem to be going round in circles...
Hello all, I am new to the forum and am looking for people opinion's my my situation. I like to think i'm fairly level headed but have still managed to get myself in a bit of a mess. I have the following debt: Loan: £4900 (paying £317 a month) Credit Card 1: £4700 (still on a 0%) Credit Card 2: £4800 (paying approx 14%) I…
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Wescote finance and British Gas
2 years ago I bought my own home and moved out of rented accomodation. British gas sent me a final bill to my new property and it turned out we were in credit so they sent me a check. A few weeks ago Wescote finances started phoning the mobile of someone I lived with back then insisting that was my phone they were ringing.…
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soa from emka
Hi, This is my version of an soa My wages per month £1200 my husband's £1400 child credit 42 total 2642 ougoings mortgage £ 554.48 a&l loan 253.51 lloyd's loan 282.48 lloyd's loan 217.33 car loan 131.79 0% loan 54.25 life ins 15.01 house build & cont 42.57 unions 64.60 water 38.33 cc tax 79 gas serv 19.40 gas 65 elec 38…
