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SOA Question
Hi all. I am on a DMP Plan with the CCCS for the last 4 years and i have never worked out my own SOA. I have got the link to the website that lets you do a SOA but i have a few questions to ask first. If i am on a DMP Plan do i put in all my DMP figures and payments into the SOA or should i work the SOA without adding this…
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Noodledoodle's road to riches
Hi Guys After lingering in the background for a while and reading some of the other threads, you guys have given me the courage J to (attempt) to get my debts and spending under control. At the moment I am working full time as is my OH and we always seem to have lots of week left at the end of our money! Our situation is…
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Can it be done or will i fall flat on my face
Ok so looking for a bit of advice Im currently on dmp with payplan and paying £400 a month which i have upped from £180 since i started. I am also putting £150 aside each month this year so that next january i can up my payments to £600 and be paid off by xmas 2010 and the £150 im saving can be for any unforseen events,…
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Partner walked out and now I am getting Court Paperwork from Prepossed car - help
Can anyone advise me. My partner started a business which then failed - i was the second director with a minor share. The business had a car on car finance. The car was repossed. I was pregnant during this time and shortly after the birth of our son my partner walked out on me (we had only been together 12 years!!!). I am…
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Calculating Loan Repayments
Guys can you help me? One of my mates loan companies have written to say that the apr has dropped to 11.316 Apr but even thought they are taking the direct debit next week they can't tell him what the payments will be reduced to - is there a way of working it out? He owes £2350.30 and its meant to end in September pays…
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bankruptcy and bailiffs
i am in the process of making myself bankrupt. i have filled the forms etc and am trying to raise the court fees. i am doing this by attempting to get a grant from local energy company as suggested by yourselves. however, this takes time. meanwhile i havent been able to pay debts....the most worrying debt being for council…
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Help - DMP Problem - payment not received by creditor?
Help!!! I've been on my DMP with Payplan since May 08 and all has gone well. Until yesterday, when I got my Barclaycard statement with NO payment was received for last month. I checked my previous statement, payment received by BC on 11th Dec OK. I have checked Justabank, and the BC payment was cleared so BC should have…
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1st Credit?! HELP! CCA request?
Hi there, I currently have an old credit card debt with 1st Credit, just before xmas I entered into a payment plan with them, via direct debit for £100 per month. Since then I have made December and January's payment on time with the direct debits. Yesterday I received a letter from them stating they intended to take legal…
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Suzuki Finance And Court !!!!
Hi everyone, I wanted to ask for some advice. I bought a car in March 2006. To cut a long story short I ran into financial difficulties and can no longer make the repayments. I was going to hand the car back but it turns out that it is not an HP agreement but a loan. I notified Suzuki Finance (turns out loan is through…
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really upset thanks to welcome finace
the other week i got told to get my car fix is not worth the cost of the car so i called welcome up upset to see what could happen. the man said because i have paid so much the off they can come and take the car and i don't have to pay anything more back to them. great i thought well that was until yesterday had a phone…
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Thursday 12/2/09 What small dfw things have you done today???
:D 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,…
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Waiting for DMP to be set up/creditor letter
Hi, my DH & I are waiting for CCCS to set up our DMP (the company he worked for went into administration & he was without a job, he's now back in work but with a massive paycut - we can't manage our non secured payments with this salary). There's a delay because we're waiting for a payslip from his new job to come through…
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And another f&f
I got a text from EQL who took over my MBNA debt. They asked me to ring them on freephone no. so i did. They told me they could offer me 15% off my MBNA cc debt 6000summit instead of 7780summit (see below) i said yeah right, mbna offerred me 3100 to pay it off. He said, is that summit i could afford. I said possibly but it…
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** Daily Chat Thread - Thursday 12th February 2009 **
Couldn't see one for this morning so hope no one minds if I start it today. I'm off to work soon and I know it'll be a busy one but I'm planning to take regular MSE update breaks (this is my motivation!):p Hope everyone has a good day and :grouphug: to all who need them. Cat.x
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The Power of DFW
Cause Im your Lenny And you are my man (I'm not gay) Whenever you reach for me I'll gonna do all what I Can We're heading for somthing Somewhere Ive never Been Sometimes I'm frightnened But I am frightened by the Power of DFW!! Cause Im your Lenny And you are my man (I'm not gay) Whenever you reach for me I'll do all what…
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advise pls
Hi Ive just found out that my parents are 30 grand in debt !! they are 69 years old and my dad is still working but is desperate to retire. There is no way in this world they can pay this money back. it is all credit card debits. They own a council house worth about 70k and have a mortgage for 20k outstanding. We are…
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Any Ideas??-help!!
Hi , I run my own wee business selling candles - im bringing out a new range for to supply to organisations & charties to help them raise money, ive been approached for these, only thing is trying to come with a name for the range -was thinking "SHINNING LIGHT"?? ANY ideas??
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stressed and panicking
Can anyone offer advice please. Through losing my job over the past 3years I have re-mortgaged my house to finance living costs. In addition I have run up credit card/loans. My debt stands at £60k. My credit rating is bad as I have missed two mortgage payments and therefore cannot take a further advance. I have two…
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Abbey aren't all that bad
Very pleased, had a letter from Abbey today saying they would accept our token payments AND freeze the interest for 6 months, then we will need to review. After weeks of phone calls and letters from creditors all being NOT helpful in the slightest - Abbey have given us a break :)
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what can i do
Statement of Affairs and Personal Balance Sheet Household Information Number of adults in household........... 2 Number of children in household......... 3 Number of cars owned.................... 2 Monthly Income Details Monthly income after tax................ 1200 Partners monthly income after tax....... 0…
