-
Help Needed!
Hi I am new to this forum. I really need help. I have just moved so now I am un-employed , I cannot find a job but still looking for employment. So I am claiming JSA. I cannot find employment at the moment because of the area that I live in. I have 2 bank loans which with the two are £19000, I also have 3 credit cards I…
-
CCJ FORM/GE MONEY,urgent help req
Please can anyone help me with this, tomorrow I have to complete the blue form from Northampton county court (ccj?) its regarding a debt from GE money, then referred to Viking but the form has Howard Cohen & co on it on the sig line. I asked GE money for a CCA earlier this year but all they provided me with was the terms…
-
pap/moozies weekly spends challenge ~ all welcome ~ w/c 14th september 08
Good afternoon everyone . Welcome to another moozies challenege. This challenge is open to anybody, no matter what financial place they are in. Thjis challenge basically runs along side the daily spends thread where you post what you have spent daily. However you dont have to be in both to be involved in one. On this…
-
What can my sister do
Hi, My sis and her DH split up just before Xmas last year. They have quite alot of joint debt, and she has quite a bit of debt in her own name too. Anyway, she wanted to stay in the house, and managed to get a mortgage in her own name, her hubbie managed to get a council house. Both of them are working, he is a self…
-
Scotcall, advice needed
I've just recieved a letter from Scotcall about my Yorkshire Bank Credit Card asking to call them or Yorkshire Bank. I'm just starting a DMP with CCCS, should I phone them and restate that I'm with CCCS or call CCCS any help gratefully accepted
-
Overdraft and on benefits
I currently have an overdraft of £1300 with Barclays. I am currently being charged £10 monthly interest plus their £6.50 charge for their additions account. Is there anything I can do to not get charged this extortionate £16.50 each month? I don't know if I could open another bank account with such a large overdraft. I…
-
Council tax debt - please can someone advise me.
Yesterday i had a visit from a bailiff from Bristow & Sutor. I wasnt home but i was left a letter stating that i owed £620 in council tax from 2001-2002 I called the council as i was not aware of this debt and they said i do owe it. Around that time i was in the middle of a messy divorce, me ex husband declared himself…
-
Massive Student Debt - Bankruptcy or IVA?
Hi Everyone, What a fantastic forum this is – I hope I can get some advice and maybe return the favour in the future. Bear with me as I explain my stiuation…. I entered veterinary medicine in 2005 as a graduate and am now in my 4th out of 5 years of study in this very expensive course. I have taken out 3 professional study…
-
DCA phoning daily.How to handle them?
background to the story I ordered goods from Next earlier this year and phoned up to get them collected.Nobody turned up. I know I should have phoned them back but i was going through a hard time with depression and just didnt feel strong enough to argue with them. As far as i am concerned I dont owe this money,its their…
-
Saturday 13/09/08. What small dfw things will you do 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…
-
DFW weekender
Well as per my instructions from Sammy here goes:D Squeakend List - not 'compulsory' just for those who cannot function wihtout a list your chance to place rockets up the posteriors of those who dwell in your abode alongside you! * HHI * Sort uniforms etc for school and work * HHG.. providing it isn't torrential rain!! *…
-
Newbie In Need Of Urgent Advice!
**** NEWBIE IN NEED OF URGENT ADVICE **** I have been trying to sort out my significant debt for several months now having dug ourselves into an unsecured hole of £30k + a secured hole (fully paid up to date today) of £72k. How on gods earth we got that far I just don't know. Well actually we were borrowing from one CC to…
-
Help please - I've not been paid!
In August I started work within the NHS. I had to complete weekly timesheets on which I needed to put my employee reference number. Neither the bank office, payroll or Human Resources had any record of my existence - though I've correspondence from them offering me the work - which meant I had no employee reference number…
-
Charging order absolute
Hi Everyone ~ I'm back for a moan. We had a charging order made final today for a debt of just over £2000! Judge did not isten to a word we said ~ I was actually told to 'shut up' because he was in a hurry! He had none of our objection letters to hand, nor the stuff sent from Payplan. The only saving grace is that he…
-
New bank account b4 dmp! whats best?
I am going to start a dmp as soon as cccs sort out my paperwork i was wondering what account was best as i have debts that are linked to natwest (loan, overdraft) and barclays (cc) abbey (cahoot loan) so dont have much to choose from! all ideas greatly appreciated!.
-
£15,000 savings/debt free target by 31st March 2010
This thread is my personal journey with the help of my wife, to try and save £15,000 and become totally debt free in the process. Not very much I hear you say but considering my net income is about £14,000 and my wifes income is £8,000 its not that easy. I want to also be totally debt free in the process and not have to…
-
Car Fund or focus on debt?
Hi everyone, I'm new. I'm sick of being in debt. Stuck in a low-paid job for the first few years after graduated had landed me in debt, even now I'd left my last job over 2 years, I'm still paying for it. Have to admit through I'm not the kind of person who's careful with money & counts every penny. To be debt free…
-
mature student in debt..
Hi Im a 36 year old married man with a teenage son. I have worked all my life and have now come to the end of my tether with doing office work and have decided I need a career change and also need better job prospects in order to earn more money..!! After discussing this with my wife, I have enrolled on a two year full…
-
Am I being offered a good deal on a remortgage?
I have a five year fixed rate deal (4.69%) on a repayment mortgage with Abbey which comes to an end in December this year. I believe my house is now worth about £150,000 and my outstanding mortgage is approx £63,000. I have never missed a mortgage payment and have no CCJs etc though I do have a number of credit cards and a…
-
Issues with cabot
In march I received a letter from Cabot financial stating they had bought my Credit card debt, £8800. All well and good. I was on a reduced payment plan with my cc company and cabot had all teh details etc. so when I phoned them up they continued to except £30 per month. Then the phonecalls stated. Last month they rang me…
