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Reclaiming Tax
Hi All You may remember me getting very confused last week about reclaiming some tax. Well i have just spoken to the tax office and they have said that I need to write to them regarding my 2 previous jobs (turns out my previous rubbish employer who made redundant before christmas, got 1 pay out of 6 right, and sent my P45…
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HELP!! Can they really chase me for this??
Hi, I was reading a thread about this some time ago, but just can't find it. Please, if there's any suggestions, I would be most grateful: (sorry for the long post) Many years ago we bought a car through welcome finance. We struggled with the ridiculous payments, and after 2 years voluntarily returned the car to them.…
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Will Tax Credits Take A Reduced Offer?
I have got my creditors all to accept reduced settlements, Would this work with a Tax Credits over payment as well? I owe £2k
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Just sorted out my finances - RELIEF!
Hi All, Well, it's a gorgeously warm day here in Manchester :j and I've just completed sorting out my finances. Have come into a substantial sum of money and have paid off ALL our credit cards, my loan with those to-rags who like to be named Beneficial Finance and my studio catalogue.:j Also have just received a letter…
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How can I get rid of these debts
Hi. New to Forum. Please can anyone help. I need to know, is there a judge who can consolodate all my debts together without having a ccj against my name? I am currently paying the debts off monthly, i am on a low income job and they are becoming unafordable. The debts are not mine but inherited by my ex-husband I am not a…
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Debt Agency Chasing Me - Please Help!
Hi Folks I have recieved a letter from Debt Managers Ltd demanding payment of £1500 for an overdraft I had with The Halifax 7 years ago. It states i owe the money to Thames Credit-Halifax. I called Debt Managers Ltd (i won't do this again) and offered to pay a small amount each month. They refused and have now sent me a…
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Debtors to have their borrowing written off!
This interesting article was posted in the papers on Sunday: http://www.thisismoney.co.uk/dealing-with-debt/article.html?in_article_id=441141&in_page_id=62 Anyone with debt issues should read this article.
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It never rains
Just found out over the bank holiday weekend someone has been into our current account and cleaned it out. Seems to be card cloning as they withdrew the max limit everyday and took out the very last of our cash this morning. Given everything else, things ain't going well. Difficult not to get angry really. :mad: Been to…
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Backpacker debt from Australia
hey folks, I'm a new poster so go easy on me I was in Australia between November 06 and May 07. In March 07 I was involved in a car crash and i had no insurance(legal there). So anyway I was told I'd have to cover some cost of the damage on the other vehicle because it was partly my fault. I never heard a thing from…
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Self-employed DMP? CCCS advice needed please!
Hi there, I have an appointment with CCCS later this month, and am wondering if any other self-employed posters have had any experience in setting up a DMP? I'm worried that I will need to provide receipts and business accounts etc, because due to the state i've been in over the past few months my record keeping has…
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Yet another newbie
Hello all you savvy spenders:j I have been lurking for many months and tryin to follow some of the basic steps so far ...but never seem to practice what i preach:confused: i need to learn ALOT.... 1. how to be good with money 2. how to change my bills 3. to think before i spend 4. to think things through 5. to disapline…
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DCA for old debt and on DMP
Hi all, A few months ago I was contacted by a DCA with regards to an old overdraft account that I had with Lloyds. I had not heard anything with regards to this account for 3 years despite sending change of address details to Lloyds and even going into a branch (to which I was told the account had been closed down!) I was…
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Confessions of a Bank Holiday Sinner.
Morning Guys. Well it's the Tuesday after the Bank Holiday and... I was wondering if anyone else had any BH confessions to make My Sin is: - I spent far to much :eek: and to make it worse it was on my credit card :mad: But is has helped me have my second LBM, the card is now at home (I am at work) I have enough cash in my…
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Tuesday 6/05/08 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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pap/moozies what have you spent tuesday 6th May 08
Good Morning all happy tuesday. Hope its sunny/bright where you are and you are smiling. Have a great day whatever you are up to and remember if you have to spend try and 'keep it low' :j Take care all
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Daily Chat: May 6th-New Day, New Beginnings!
Well, 2 weeks after deciding to thrown in the towel on a 15 year relationship, I'm moving out on my own (well, kids as well!) I didn't sleep much last night because thoughts were zooming room my head. I will need all you lots to keep me on the straight and narrow money wise so I don't make a huge balls up of it... It's…
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Newbie needing some tips
Hi everyone have lurked about on this site for a while now trying to pick up some tips and everyone seems really helpful and friendly,so thought it was about time i popped my head up. A lot of the advice on here seems to be directed on how to save money on credit cards mortgages and the like but my debtsdont include them…
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Why Dont the creditors stop calling when on a DMP?
It seems to me way to many people get hasssled when on a DMP, i know there is potentially could be dealt with under the tribunals, courts and enforcement act but surely These plans should be respected now?
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Are application forms usable as a CCA
Been sent an application form I filled out for a credit account as a CCA by the DCA dealing with the account is this valid as a CCA,if not should I contact the dca or wait for the 12+2+30 to be up then get in touch??????
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a bit of a milestone
not much but iv hit a small milestone iv got below £30,000.00 for the first time in what seems like an age il go back over it when the tsb cc interest is added sometime this week but i know that this time next month il be well below :j Rammy
