Debt-free wannabe

Discussion List

• Help re Default notice from Littlewoods

  i first saw CAB about my debts beginning May who sent SOA and offer of payments and have had no reply from three of the creditors ..littlewoods , littlewoods direct or additions .. in june i had letter from littlewoods wanting me contact them concerning account which i did and told them i was dealling with cab who had…

• Debt With Sky?

  I had Sky a few years ago and in March 2006 I phoned to ask when my contract was up? They said its up in May 2006 and to send my notice to cancel in April, which I did and it went of in May all was fine. In July that year I got a letter from them saying I owed them £120 because I cancelled within my contact period. I…

• Payplan experience

  Hi people, I have been in touch with payplan for help as one of my creditors sold my debt and I was struggling to go through the process of arranging a payment plan again. After calculating my SOA I have a surplus of just over £107 a month. What has concerned me is that after talking to my case officer I was suggested that…

• Paying in to company pension while on DMP?

  Just wondering what people's thoughts are on paying in to a company pension whilst on a DMP? I would be paying 5% of my salary and this would be matched by my employer. I'm not sure if it is wise to be doing this now to plan for the future (I'm currently 34). Or if the money would be better spent on reducing my debt?…

• Statutory Demand for Bankruptcy - Advice Needed

  Hello Folks, I'm new to this board and looking for advice on something called a 'Statutory Demand for Bankruptcy' that I received a couple of days ago relating to a debt that is known to me. The company who've sent this document go by the name of 'Capquest' and just Googling around they seem well known for being downright…

• Panic - Laid off - wife pregnant

  Hello My friend is a builder and has just been laid off, (text last night) with very little prospect of finding employment in the forseeable future. His wife is 7 months pregnant and has already given up her part time work to claim maternity allowance. As she is claiming maternity allowance, is he still entitled to claim…

• Intrum Justicia

  Hi everyone. I was looking for some advice please. I had a phonecall recently from these idiots, asking me for my name and address etc etc but as i wasnt sure who they were i refused to acknowledge anything but my name. This obviously annoyed them as they got fairly hostile and hung up. A quick internet search revealed…

• Incorrect CCJ means more expensive mortgage

  Hi, In Feb 2006 we sold our house and moved away from the local area due to work commitments. As part of the usual conveyancing procedure the estate agents fees were paid by our solicitor and we got a breakdown of costs and fees etc with the balance being transferred to our account. Jump forward to summer 2008 and we are…

• Please Help

  Statement of Affairs and Personal Balance Sheet Monthly Income Details Monthly income after tax................ 1500 Partners monthly income after tax....... 1300 Benefits................................ 0 Other income............................ 100 Total monthly income.................... 2900 Monthly Expense Details…

• CCQueen Debt Free Diary

  Hi Guys, Benn lurking on the site for about a year nw and have decide to finally start jotting down my progress reports as reading everyone elses has motivated me so much in the past. Basic sum up of my situation........ouch this is gonna hurt!! Ok so I was married (currently doing divorce) My Husband had depression and a…

• Make 2k a month on ebay????

  I am currently in despair :eek: I hate my job in sales working 60 hours a week :mad: and trying to run a home as well:A I have to deal with horrid people everyday and I hate it!!!!!:eek: :eek: . I have a five year old son who I want to spend more time with too, I pay 190.66 a month for child care I get a car with work and…

• Not much ... but it means a lot for me!

  For the first time or god knows how many yeaars I've started to reduce my overdraft. I'm usually up to about £1,400 ish of the £1,500 limit each month. I've got it down to £889 overdrawn today, and I get paid tomorrow. Meaningly I'll be another £200 closer to zero tomorrow. It may not seem a lot, but it's the first time…

• British Gas - Default - Can They Do This?

  Hi All Just when i thought I had sorted out a default on my file from British Gas I get told a different story. I found a default on my file from December 2005 from British Gas for £130. I phoned them up and asked when this was for. They said it was the period October 2004 - May 2005. I had moved out of this property in…

• New Debt-Free Wannabe

  Hi everyone , I'm looking for a little advice . :confused: I'm looking to pay off all of my debts :money: , I currently have a £1000 loan over 60 months , two £1500 credit cards , one £200 and a £300 overdraft all near the limits . The loan has had about eight months payments I think . I've checked my equifax and…

• Link - Charging Order ?

  Hi Link are taking us to court next week for Redetermination and they said they are going to try for a CHARGING ORDER. We have a CCJ with them and not missed a payment in the 2 months we've had it. They have said in the letter that they will then accept any offer of repayment if a charging order is granted. What happens if…

• Shortfall on repossessed property?

  I recently had my property repossessed and was sold for less than I bought it in 2003 and after spending 15,000 on it. I had a survey in march 07 for £225,000. It sold in dec 07 for £145,000??? I have been sent a bill from Mortgage express for £84,000 - how the hell am i meant to pay this? They will not accept £50 per…

• I have a letter not for me from Drakes Bailiffs does anyone have any advice?

  Yesterday I arrive home to a letter from Drakes Bailliffs in the outside of my letterbox (I assuming he didn't want to put his hand in the letter box because of my dog) addressed to my husband, who left just over 2 weeks ago. It says he will be taking goods as nothing has come of his previous contact, I have not seen…

• creditor Letters

  Hi everyone I'm a newbie here and just wanted to say a big thanks to everyone for loads of good advice and it's so good to know I'm not alone struggling with debt. I'm about to send letters to my creditors offering a token payment while I'm waiting for advice from cccs and noticed someone said not to sign the letter only…

• IVA Question

  Hi Folks, Just wanted to know to pick your brains on an iva question. I have been on an iva for a year and a half, and i have currently had to move residence, now in doing this i have lost my internet access, i informed my supervisor about this and they have come back to say that they have no problems with me getting an…

• Newbie with Debt

  Hi Everyone, Im currently sitting with around £5200 of debt from credit cards and a loan. I recently seeked the help of a debt management company who are helping me out, they take £130 a month to distribute to my creditors and it has been a great relief getting the help I desperately needed. I also owe around £2500 on a…