-
council Tax query
Hi sorry to bother u all, and I know this is in the wrong place, but I've done a search and cant find an answer, plus I only feel comfortable in here.:D I have a friend whose mum died last year and due to economic climate has not been able to sell her house. There are 5 brothers & sisters all together & one of the sisters…
-
advice please
Hi I sought advice from the cccs approx 4 months ago and they gave me usefull advice on reducing outgoings etc and i took all advice and still am not making any headway i am still falling behind approx 500 pounds a month and have no way of pulling this back, this income was lost due to achange in circumstances. I have done…
-
Broken & Beaten by my Bank
Is anyone else out there as un-happy as I am???? I read the posts and admire you all for your strength and determination to change your lives. I'm afraid i'm in a very dark place just now and cannot see anyway out. I'm not going to ramble on about what's made me feel like this as most of it was in my last post 18mths ago…
-
ccj
hii just a bit of clarity needed. Eversheds have a ccj issued and I was ordered to pay £1pm ok so far[6 years] but today they sent me a statement of means with the intent of upping payments if no reply in 14 days they will take me to court again. Can theY do this or is it a scare tactic for me to pay more which I cant…
-
Sheriff officers have been to visit me
Hi, I'm just new here and my apologies if my post is in wrong place or off topic. It is about debt but mainly about something that happened today as a result of some debt. Thankfully we are not (I think) in a lot of debt but enough that we have had to make a lot of cut backs lately to manage. Today I was arriving home and…
-
Self Employed and Drowning.
I have run a shop successfully for 14 years. We had a good life out of it and bought a house. Things started to go bad 2 years ago and we sold our house and bought a cheaper one on an interest only mortgage. Things have got worse, I have put the 2 staff on part time and am now struggling to pay myself the £350 a week I…
-
Helpless
I don't know what to do any more. I'm out of work because I got sacked. I don't know how I am ever going to get a job again, because nobody will employ someone who was sacked. Especially at a time when so many people are looking for work and they all have a head start on me, because most of them have been laid off as…
-
Do you know if I can......CCA a CCJ!?
Hi Guys, I'm back! Well, since deciding to get my life and finances in order - I've been speaking to PayPlan re my debts. They advised me to deal seperately with the 2 CCJ's which are showing on my credit report. Thought it'd be easy, but apparantly not. I only had details of the Court they were registered in, so today…
-
Re-building credit rating.
Hi, I have posted before but not in a while, can't remember my user name or password... Never mind. But, I've just reciently paid off swags of debt, and on my last 100 pounds to go (overdraft which will take my account back upto the free over draft facility). I've also looked at my credit report, where it states (quite…
-
having a life while on a DMP
Financial situation: CC1 = £1309.67 paying £10.05 over min payment CC2 = £624.56 CC3 = £1687.50 CC4 = £1287.34 paying £8 over min payment adding interest CC5 = £423.97 paying £2 over min payment OD1 = £205 adding interest Loan1 = £3070.86 paying £20 under min payment adding interest DCA1 = £623.82 DCA2 = £200.76 OD2 = £244…
-
Could I have some advice plse?
Hello,I hope I'm posting in the right place!I was just wondering if I could have some advice about bank account overdrafts.My husband and I have 3 current accounts.He banks with Natwest and has an od limit of £750,I bank with Barclays and have an od limit of £490.We have a joint acc with A & L with a limit of £350.All of…
-
Money-Stupid Graduate Wants Her Money Back!
Firstly, I am rubbish with money. But I have been trying to be good and stick to bugets, only it's a long term thing... Basically, when I was a student, HSBC couldn't do more for me, in fact they were throwing money my way. Knowing how stupid I am, I declined their offers for extensions on my interest free overdraft…
-
Hello from new member!!
Just thought i would say hello to everyone! I have only just found this forum and am very impressed with the amount of useful information and friendly members! I have been trying hard to sort my financial situation out over the last few years and have been doing well but still have a fair bit to go. I have paid off 2 loans…
-
Robinson Wade?
Is it correct that RW have gone under? Anyone know?
-
Letter Template needed.
Hello I am in a bit of bother and need a letter template to a) Welcome and b) littlewoods and c) o2 to tell them of my bad money situation and ask them to reduce my payments, what realistically can I request. I have put details of what is owed below. Welcome: 2500 - behind at 500 regular = 160 per month Littlewoods: 700 -…
-
Help me - I'm new to this and need advice
My husband has been self-employed for over 15 years and is currently facing extreme financial difficulty and seriously considering bankruptcy. I have a good job (dep. head), but we have 3 children, 2 of whom are at university and 1 in college. As he has been out of work since xmas, and not entitled to any benefits i am…
-
Paid twice for the same debt
If you find out that a creditor has been paid twice for the same debt and the creditor does not disclose this information to you then is this classed as fraud, dishonesty, or theft? The amount involved is £8,500.00. The debt was a Bankruptcy debt. The trustee paid the creditor in Bankruptcy from what he received in the…
-
Lets Talk Strategy.....is This A Plan?
Hello I have been in and around this forum for months but have reregistered for this thread I am on a DMP with CCCS and am slowly paying back my creditors. After the euphoria of my LBM and focus on getting organised, I would welcome views on what I should do. I appear to have 2 very different roads to go down Anyway,…
-
HELP WITH A LEASE of VAN
We have a lease for a Van with Mercedes, we were assured when we signed for the van in 2006,the cover we pay 23.99 per month for would cover us for unemployment, guess what it doesn't. The original paperwork has gone missing - convenient!. We asked for a re-structure and that has been declined therefore because we cannot…
-
Ebay
Just curious how many of you have tried getting rid of old stuff on ebay to help your debt come down. I have managed to make just over £500 off selling old stuff on ebay in the past few months, and still have lots to go. If enough people use it would we get wrong for posting our seller accounts up on here. I think this…
