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Desperate
Hi, Can someone tell me what the difference is between a IVA and a DMP. Thanks
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My SOA
Hiya, Here goes. It seems my debts are higher than I anticipated :( Statement of Affairs and Personal Balance Sheet Monthly Income Details Monthly income after tax................ 1450 (Should be getting payrise soon, backdated to April. I estimate with the backdating it would be approx £1650, then around £1520 a month…
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Somebody slap me!
Thanks to all of you, I have today paid off OH's last c/c :j Don't get me wrong, we've got him down from £28000 last August to £10100 as of today which is fantastic..... But I'm really sad to see the last c/c go! How stupid is that? It was an M&S life of balancer, and I took all the advice & didn't spend on it once the…
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Dealing with the courts and speeding fines
Hi all, A friend of mine has got himself into a bit of a situation. Before Christmas he had fairly large sum of money mistakenly deposited into his bank account by a company he used to work for. At the time he was really skint so he took a risk and didn't tell anyone about it and ended up spending it. He has virtually no…
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bank charges
any advice please i changed banks from rbs to first direct most of my direct debits went over to first direct as i asked first direct to tranfer them, but two never,royal bank of scotland charged me £76 and £38 pound,now this shows on my credit report as £104 as outstanding,i got threatening letters from the royal bank of…
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Hello, Thanks, Update, Fantastic Site.
Hello, I have posted a couple of times and had really go advice and support. I am well into setting my DMP up with payplan.First payment is due out on the 15th of september. I had a lot of worries and fears over certain things,but was given good advice from the site. I was having trouble getting a basic bank account,but I…
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Walking Possession
Having read some of the bailiff horror stories on here, I'm starting to worry. A few months back I had a bailiff come round to discuss my council tax arrears that I'd acquired while I'd been out of work (first mistake). He asked me to sign some papers to say that we'd agreed a repayment plan, which I did (second mistake),…
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beneficial interest in partners house.
hello, i have had advice from several different people (not on this forum)about the best way for me to sort my debt problems out. i owe £30,000.00 on unsecured debts (credit cards and loans). i don't know whether i am going to try for a br, iva or dmp yet. my biggest worry is that my partner's house could be at risk, as i…
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How can we make £300 a month - ideas please!
Hi, we have discovered due to bad book keeping that we owe £2600 - yes yes, we know we are silly and are kicking ourselves at the mistake but there we go - we must move on . The company we owe to has agreed that we can pay it back in instalments of £500pm but we are going to try and negotiate £300 a month. However, we just…
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On the road to becoming a DFW...
So here I am, back again! This time i'm armed with an up to date SOA! Statement of Affairs and Personal Balance Sheet Monthly Income Details Monthly income after tax................ 945.63 Partners monthly income after tax....... 0 Benefits................................ 0 Other income............................ 0 Total…
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Gulp - Have taken the plunge!
Hi All I've been lurking for ages but have finally built up the confidence to start my first post on here. A bit of background I'm Em, I'm 26 and married to an ex-splurger-come-money spending expert! It's caused us a few problems in the time we've been together but I'm proud to say that he is finally getting rid of the…
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To save or not to save that is the question?
Following something mentioned on any earlier thread... What does everyone do? I was thinking of putting £5 a way a week for emergencies..but i've seen people say that you shouldn't have savings as every little bit should go on debts what does everyone else think?
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Desperate for advice over debt I want to repay but the banks won't help!
Hi All Last year I was unfortunate enought to be ripped off by an agent which put my bank account with HSBC £50 over the over draft, They then hit the account with a massive charge making it harder to get it back in the black.....you know the drill! They were very unsympathetic and in a few months alone there was 2 grand…
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unenforceable credit cards
Hi, I have recently sent a letter to my bank requesting back my credit agreement formy credit card, this has now arrived. how can i now tell if it is unenforceable or not? without paying? Cheers, jay01
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The neverending story
I am in a seemingly never-ending cycle. My husband and I are doing very well in keeping our heads above water financially, but one fly in the ointment is our credit card. We pay it off in full every month, but here is the problem: every month at the start of the month we pay off the CC. By the end of the month we are back…
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DFW under pressure
Hello there! Help, advice and suggestions please! I have a conundrum (sp?) or two/three. 1) I am moving house at the beginning of October having just moved house at the beginning of July. How do I do this the moneysaving way? I dont own a car but hold a full licence and the move is only 1 mile (due to dispute between OH…
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Pls I need some help
Hi, posted on here previously I donn't what to do and cann't stop worrying my mortgage will increase by £130 to £825 in Sept, gas gone up to £156 per month but asked them to leave at £67 under protest they will do this for a few month, husband off due to illness only getting incap of £72.55 my income has dropped by £400 +…
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remove default?
I had a Littlewoods account and it was passed to Moorcroft Debt Recovery, I have been in contact regarding repayment and informed them of a change of address in which they stated theyd send direct debit/standing order mandate to my NEW ADDRESS, never recieved it - I can only assume they have been sendin post to my old…
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What to do.... need help!
Hi, I have recently come into some money (£7500) and am wondering what to do. Here is my situation - I have about £8000 left on a loan (this was my settlement figure) - £364 a month till march 2011 (=£10k) I have £6000 in credit cards (0% until feb 09) - i currently pay around £150 a month off them What do i use the £7500…
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Virgin Media - Default - Advice PLease !
Hi there, I am a newbiew but thought this a good place to get some advice - been on maternity leave got myself into a little trouble and wanted a bit of advice. I arranged a payment plan with Virgin Media back in July of £66 a month following on froma default notice - i agreed this and paid the amount the 29th July, rang…
