-
Credit Crunch and Christmas will you be spending less?
I thought I would start a thread about this because there have been several posters who have been stressing about how they can't spend £100 :eek: :eek: on their children for christmas. Now I have never spend that much on them, but then they get one biggish present (not necessarily new, and invariably in the sale…
-
Money-saving advice needed
Hi, I'm 19, recently started full-time work and this is my first time on the forums. My troubles are petty compared to what others are facing on here but some helpful advice would be really appreciated. I've been in debt with my bank (on a £750 student overdraft) for the past year and I've been struggling to get out of it,…
-
HELP - No Money Left
I have litterally no money left, I have been scrapping around the house for the last hour or so and I have found the grand total off £0.33. I really dont know what to do, I cant even afford the bus fare into work tomorrow. I have two young children (3 & 5) who are getting very hungry as we have not had a warm meal for the…
-
Credit Scores? Help i don't understand how they work?
What is a credit score, and how do they work, and what use to they have. I just paid £5.95 on Experian to find out my credit score is: Your Experian Credit Score was 0 On November 11, 2008 then it says: Factors that are having a negative effect on your score * You have some late or missed repayments * You have made three…
-
Have just renewed my experian account - what it says about me, is this good or bad???
Heres what it says: A summary of the calculations based on your credit report on Tuesday, November 11, 2008 You have £191 of available credit (excluding mortgages) You have £3,442 of outstanding debt (excluding mortgages and defaults) You are using 91% of your available credit You have 9 credit accounts (including settled…
-
help please
hi there, I have juts registered with the site and I'm hoping to find some friendly advice. I have recently joined a supply list for teachers but it is providing no work for me. I have had no income for some time and I am in a bit of a pickle. I have total credit card debts of £5000. I am very close to the limit on all my…
-
A New Start
I just wanted to let those of you who were supportive that although it will be along haul I have found solutions to my BIG debt problems 1. I have found an extra income with ARISE.co.uk (a long vetting process but worth it) 2. I have rented out a room in my house 3. I have given up alcohol (drastic to some but hey what did…
-
Father in a pickle
My dad has just left my house in a complete mess having taken a few letters that were addressed to him from the marital home, he has recenlty separated from his wife and it appears she has run up a huge debt in his name. Just the few letters we have here are totalling £10000+ and im sure thats the tip of the iceburg. Some…
-
hey have moorcroft knocked on your door tonight
this isnt really one of my probs but rainbows and flowers has been threatend tonight for debts that aren't hers, haven't been proved as hers the collector said he would take her dog! also earlier a man said he had had moorcroft at his door they tried to force entry and said they would take his gnomes if you are out there…
-
dont know what to do...
i had a letter today from barclays about my overdraft, its £1100 and about £900 of that is interest and charges, now they have sent me a letter saying they are closing the account and i have to pay them £1240 within 14 days, i dont know what to do! i can not no way pay that, i have been paying in £50 a month to pay it off…
-
SOA - where could we save money???
Below is my SOA on a monthly basis. I am currently training and will have salary increases annually upto a £30k salary by Aug 2010. Wife has recently had our third child so i on maternity leave until end April 2009. Have noted anything relevant by each income/expense. We have considered lowering down to 1 car this would…
-
Payplan review
Hi 3 years into my DMp with payplan and I have a review coming up - does anyone know what their view is of high gas and electric bills? We are a family of 5 and at the moment are paying £68 in electric - paid dd for 18 months in 2006 for £30 but no meter reading and it wasn't enough so paying arrears and gas of £70 - just…
-
Please Help Me Please Frightened
Hello I am deep deep in the brown stuff..... Hubbie knows that there are problems but not how bad. Have done a CCCS review & I have to phone them. Will do it on Thurs as I am working till then. Just keep putting it off. I have paid everything this month but can't do it next month. We are living on £35 weekly with our…
-
Advice lease
OMG I need advice! I have not aid various bills in months. I have comanies ringing me u asking for money. I have not enough money to even ay my bills... as you can see there is one letter not working on my comuter.... I have not aid my rent seven hundred in order to save money for the deosit for the new house which my…
-
I really can't cope with this!!!!!!!!!
Hey, After trying to prove that ex's debts are not mine, I have had a visit today from the most horrible and threatening man I have ever met in my life. I am disputing debts in my name as they are nothing to do with me (I did not open them or sign for them) and after sending CCA request letters Debt Agencies cannot provide…
-
Charging Order: Unsecured Debt
Thought this might help anyone looking for information. What is a Charging order? A charging order is an order from the court placed on a debtor’s property (house or land) for monies owed to a lender. If you have borrowed money and the money is not secured and you have not kept to the repayment arrangement, a lender can…
-
IVA or Bankruptcy?
Hi guys and Gals. I have two straight forward questions that I would appreciate some views on. Q: Are IVAs only suitable for people with assets to protect? Q: If you don't own a home, have savings or any other asset worth anything is bankruptcy a wiser option? I will appreciate any thoughts.
-
Council Tax debt + Baliffs = Stress
Ok where do i start, Just looking for some advice really please people as I owe £234.04 pence in council tax from a previous address. I have been pretty silly to be honest and ignored letters from The baliffs company Equita for some time, but now i have removed my head from the sand and realized i have to pay. I recieved a…
-
What Do I Do Next ??
Hi about three weeks ago i wrote to one of my creditors ( sky card ) asking them to stop phoning me and to contact me by letter only , still getting numerous calls each day. Any advice as to what to do next to stop calls would be appreciated
-
Puzzledbubbles highway to DFD - a diary of sorts
Hi All, As threatened earlier i have posted my SOA below. Ive been a member of MSE since February, am now seperated from my husband (something im still dealing with) and living in a shared house. I have added some comments below but any help that you can offer would be greatly appreciated. Puzzled x Statement of Affairs…
