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Bristow & Sutor
I owe the above company money. I have given them a statement that shows i have no money and i am trying to pay off other debts. They have ignored my letters and sent someone to reposess property , of which i own none. They have written to me and listed a family member's car which is parked in the driveway and is not in my…
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Statutory demand under section 268(1)of the Insolvency Act 1986 Form 6.1
Hi all, After some general advice from people who know more about this subject than me. I have received a Statutory demand under section 268(1)of the Insolvency Act 1986 Form 6.1 etc issued by Connaught Collections. Firstly I am not sure if its real or just a final bluff from them as the default date on my credit history…
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How do I live within a budget?
CCCS did us a budget in Dec but life has changed since then food has gone up and I am so confused. I am just about managing to pay my bills but cant seem to manage my money very well ( this has been ongoing for yrs) DH always makes me feel rubbish when I say we cant have something and I am in a situation where I REALLY…
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My new SOA - any advice welcome!
Hi everyone, Well afer my LBM in November 07 I did quite well at bringing the debt down, with some very kind help from my parents too. The trouble is, I have been slack over the last few months and have built up another overdraft and some deb on my barclaycard. :o I veer between ignoring it (and my credit card debt) and…
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What to do with £500!?!
:hello: everyone, I have a bit of a dilemma and I need some opinions..... Yesterday my Dad gave me a cheque for £500..... he claims it has nothing to do with his recent heart attack (although the timing is questionable!). He also gave my sister £500. Now, he said it was for my car tax/MOT/insurance, as that is all due…
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Get some Help
Im know in the progress of getting help after four credit card three loans and two over drafts :huh: It started probley like every once else borrow little here and little there until a little became alot you get my drift, after some time it became to easy and then your wage can no longer afford the repayments. I wish i had…
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I'm getting some money.
Sorry did not know where to post this but I had to tell someone. I am getting a check for £36.15!!!!!:D from moneyback madness. I was reading the e-mail when my husband came through the door and told me he thinks the exhaust has a hole in it. I told him to fill it with chewing gum and wrap duck tape round it, he is not…
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Serious Help Needed With MY IVA
Hi All, God I just don't know where to start, basically in December 2005 i fell ill with Appendicitis and was unable to pay my bills because i did not get paid from work (due to my contract) and joined Debt Free Direct to sort my problems out. I have been happily been paying them over 3 years and paid them so far over…
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Old Debt Back to Haunt Me
Can anyone please offer me some advice... I've been receiving letters from a DCA - I have not responded to any of them! They're regarding a bank loan that I took out in 1998 and didn't finish repaying. Barclays defaulted me on the amount, I started to repay it, then stopped again and they never chased me for it. The…
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arguments with hubby
iv started to save £40 week for over payments and hubby said at weekend im turning into a penny pinching granny. 1 minute hes moaning we got no savings then he says this to me. in anger i opened my xmas tin and told him to spend it. he apologised later but dont know where to start. here's my problem. i need to do the…
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Anyone have a payment spreadsheet thingy ??
HI all DFW! Does anyone have a spreadsheet with outgoings incomings on that has columns that add up etc as I am sure there was mention of one on here previously - not a SOA, just a budget type sheet Thanks! K x
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Am I alone??
It’s not long ago since I used to hide from any bill whatsoever. I’d have ostridge moments when Id just put my head in the sand and not open anything for a week or a month letting them pile up. When id finally get round to them I’d cry get really low and then use one card to pay the other and think it would all be okay.…
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Debts Have Gone Down But Still Not So Good
We had £20K of debt, it is now reduced to £5k this week thanks to a bit of good fortune, however we are still bloody skint:mad: Heres an example, Tax credits overpayment, we where paying £60 a month, I owe £2000 "Until they work out this years !!!! up" I paid £1000 and said to them right "I will make payments again in 16…
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Reduced Payment for 1 Month
Hi all, was just after a bit of advice and possibly a template letter if possible. I will be changing over from temporary to permanent employment which means going from weekly to monthly pay. I have a couple of credit cards to pay and I wondered whether it would be possible to negotiate a reduced payment for one month…
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Debt Advice
Hi I wonder whether any of you kind folks can give me some advice on a problem that has caused a lot of distress and worry over many years to someone very dear to me? I have just found out that this person has been struggling with debts since 1981 and I never even suspected which is very hard for me but another matter.…
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woohoo! E4 & More4 now free-to-view!
just picked this up from elsewhere... as of today E4, E4+1, More4, More4 + 1 are unencrypted on Sky. this means you can now view them if you have a dish, old Sky box & card, and NO Sky subscription. good news for all the SOAs (except for the diehard Setanta & Sky Sports fans). Yatta! :j :j :j
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Council Tax -help -panic
Hi all, I`m new to this forum and need some help urgently. I just got home from work and there is a summary warrant for my husband from a debt recovery company, regarding unpaid council tax from 1997/1998 for the total of £344.19. This is the first letter we have ever received about this and although we are sure that it…
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Applying for mortgage with DMP
My wife and I have a DMP with CCCS. We could re-mortgage our house and clear all of our debts with the equity. The mortgage payments that we would be paying would be less than what we are paying now in mortgage and DMP payments. Is/has anyone else gone through this, and what is the reaction of mortgage lenders (as the DMP…
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Creditor 7 years later
In 1998, We sold our car privately to a young chap, looking for a first car. He came twice and viewed the car, once with a friend and once with his dad, it was an escort. He was offered a test drive on both occasions and he declined. On the second viewing, he bought the car, but got a friend to drive it for him, I put it…
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Is an IVA a CCJ??
G'day all, Hubby entered into an IVA about 4 years ago. We are just days away from completing on sale of the property and the proceeds will pay off his IVA in a F&F settlement offer. Filling in a form to rent a property and they do credit checks. Already on scary nail-biting ground here wondering if they will reject us.…
