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Charging order
Can anyone help me, I have a charging order on my house from Northern Rock. I am finding it increasingly difficult to keep paying the mortgage every month and I think that selling the house and moving into rented accomodation is the only way I can go. Does anybody know how this will affect the charging order - the mortgage…
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Money Management - Help Me With The Basics Please!
I've been asked to do a 25 minute presentation at church - subject - money management, though with the idea of getting/keeping people out of debt. It is such a HUGE subject to cover in such a short time that I thought I'd ask the experts (ie. you) what you think is important. At the moment I have the following swirling…
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Solicitor wants statement of expenditure, I am really worried please help
Hi, I have to provide a statement of expdeniture to a solictors firm acting on behalf of my husbands previous company (he was paid wages after leaving this company, spent the money but was paying back £10 a month, but forgot to pay this last month and now the solictors acting on behalf of royal mail want £1600 back in 7…
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Big step made.
I posted my SoA on here a few months ago worried about my situation, because I wasn't really getting anywhere. I've bitten the bullet and moved out of my flat, I'm now living in shared rental accommodation for loads less a month. My SoA now looks like this: Statement of Affairs and Personal Balance Sheet Monthly Income…
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Consolidate or juggle?
Hi guys. Guess the lightbulb moment is currently in progress. I am about £15,000 in debt, over 3 current accounts, 2 credit cards, paypal account, mobile phone company, court fines, student loan. The amount I owe to the above ranges from £90 to £5000 and I'm starting to get flustered and pushing some to the back of my…
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Help me - new to this- want to be debt free!!
Hi Guys, A few years ago i was very flippant with my money and am now paying the price. I have a loan with the AA with about £6500 left to pay and a managed loan with HSBC with just under £5000 left to pay. My credit rating is in tatters as i kept applying for loans etc and now i get turned down for absolutely everything!!…
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Council Tax Bank Arrestment
Hi I am looking for help if at all possible, I have been pretty badly in debt for a few years now and had an arrangment with payplan but recently things have got out of control again when I thought I was getting back on track this has culminated in receiving a letter this morning saying they are going to arrest my bank…
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3 Mobile & Red Debt Collection Agency
Well after spending the last 3 1/2 years clawing myself out of debt I get a letter delivered today (26/8/08) from Red Debt Collection. Apparently I owe 3 Mobile the princely sum of £36.44 from January 2005. If I don't pay by 24/8/08(?) they're going to send one of their field agents round to collect. My name is now…
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Debt referred by Egg to DLC - What do I do please - I am Scared
edited original message
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Where to turn?
Hey Everyone :) First post here, so appologies if this is in the wrong place, but i do want to be Debt Free! I have had credit cards now since i was 18, im now 21 (so not too bad). But i can see the downward spiral of debt starting and i want to hit this before it becomes too much for me to handle. Here is what i currently…
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catalogues?
Do you have to sign a credit agreement for catalouges or do you automatically except the conditions? (old debt cropping up, was with a catalouge the DCA said that you dont sign agreements but automatically accept them?)
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Gerurdeanna's getting back on track thread!!
My and OH are splitting up, he is moving out next week. He's already cleared the joint bank account out once and I have applied for Income Support and single Child Tax Credit. We were dealing with the CAB about a year ago, I have tried to go back to them but they are really really busy and the waiting list is ages!! Is…
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PaP/Moozie's What will you spend/have you spent today Tuesday 26th August thread
Good morning everybody :hello: :hello: :hello: Well, the Bank Holiday is over - the weather is slightly better, as expected, although the weather forecast said it would feel 'warm in the sun' - trouble is there is no sun :mad: :mad: So, as many of us wend our weary ways back to work - already dreaming of next summer - the…
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DMP/Directly contacting creditors
As Im sure some people are aware, my partner is due to give birth at Christmas, although this is a very exciting time for us, it does mean that from the beginning of December she will be on maternity allowance and her wages will be halved. We have done so rough calcs and we "think" we can manage on the reduced amount but I…
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Today's the day, and I'm a bit scared
Morning All Well today is the day I go to the post office and send letters to my creditors, return my credit cards and let CCCS have all my completyed paperwork for my DMP, and I have to admit I'm a bit scared. So farI haven't missed a single payment, so everything is up to date and good with my credit file, however with…
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Help going to expolde!
Could someone please post the link to the letter to stop phone calls. My oh has 2 cards with Halifax, which do not seem connected as they both ring constantly. We are on DMP and have been since Oct 06. Despite having to spoken to them the end of last week repeating again this information. Oh has worked days over weekend…
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Tuesday 26/08/08 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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Minty's capital one diary...
Okay, so dh and I have deliberately gone and got ourselves into debt again for a holiday, although there is a method in our madness. We had no debts, but also no savings at all, and we came to the conclusion that we needed a family holiday. Haven't been away all together for two years, dh has been really stressed at work…
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Illegal Lending - Is it a Scam?
I am currently looking at ways of clearing my debt and have been speaking with a local company who claim that for a fee of £500 per case (1 credit card/loan = 1 case) they will instruct their solictor to file a case for illegal lening under the Conusmer Credit Act of 1974. When I asked how this worked I have been told that…
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**Daily Chat Thread**26th Aug 2008**
Tuesday Chuck!- Master Bedroom & Landing Level 1 Check fire alarms are working Remove and wash bed linen and duvet covers. Fling open the window and let in the rain sunnyness Level 2 Make any appointments you have been putting off and catch up on phone calls you need to make! Vacuum & turn mattress before replacing with…
