-
Is my SOA ok? Update post 37 (I think)
2 Adults, 3 Children. 4 people with allergies. Chronic health problems for 2 people. Children also have inherited my disorder (not to bad at the minute) and one child has issues that requires a physical therapy weekly, but we have to purchase stuff to help her, I don't believe we can get DLA for her. We are on income…
-
need help with equita and bailiffs
if anybody could help pe i would be very greatfull as this matter is causing me a lot of worrie and distress i got given a parking ticket about a year ago and paid it late i didnt realise this through my own stupidity at the time so thought no more of it, at the time i was living with my girlfriend and son our relationship…
-
Skycard not co-perating over calls
Hi can anyone help I need to know what to do now if there is anything I can do. Have written twice to Skycard credit card to request they stop calling me as it is becoming harrassing, I know I am in debt and owe them etc and dealing with it. Infact it might be 3 times as I asked them for written correspondence only in…
-
Should we go on holiday or not?
As you can see I am a newbie and things have really improved since I posted my SOA both of us are really focused on reducing our debt. We have come into a £1000 that we really were not expecting and I really really want a holiday in the sun. We have a 13yr old who is also desperate to go away as well but my OH thinks it…
-
Gift Dilemma
My father gave me £1000 today as a gift to whatever I want with. My brother is getting the same next month when he visits. It was incredibly kind and generous and will go towards the renovations we're doing. My dilemma is this: He took £4k out of the bank in £10 notes, each thousand bound in a white bank band. The bundle…
-
HELP! Capquest have sent me a Statutory Demand! Worried sick!
Hi there i hope someone can help me i feel sick. As i have just recieved a Statutory demand letter from Capquest. :eek:
-
Council Tax and Baliffs
Hi Everyone, I was wondering if anyone could give me a big of advice with regards to council tax and baliffs.... I recieved a letter from a bailiff (Rundle & Co) representing my council chasing £290 for unpaid council tax for last year, i contacted them and spoke directly to the baliff who was dealing with my case, i said…
-
Lurker, finally posting SOA
Hello I have been a lurker for about a year and am finally having my Lightbulb moment! We have around 30k of unsecured debt...eek! and some of them are so old I have no idea who the debt is with now. I have applied for credit files by snail mail (cheaper that way) but in the meantime here is my SOA Be Gentle! Statement of…
-
And I am pretty sure it is worse than this...
OK so I have been eying this site for a while. Is today my LBM...? I really hope so. Can you have a lightbulb year because I think I am closer to that. So here is my SOA (by the way is there a dictionary any where that lists these acronyms as SOA and LBM are the only 2 I know so far? Statement of Affairs and Personal…
-
Should i go bankrupt???
I am 26, I owe £27000 on credit cards and loans. I am already using Consumer credit counselling service to whom I pay £90 a month to then they pay my creditors. But they will only continue this while I am working full time, I am going to college in September so it will have to stop!!! I am trying to better myself, going to…
-
Please help!!!
Hi all Really desperate for a bit if advice before i approach my mortgage company.. Along story short is that i have split from my partner and have tried to cope with debt by entering a DMP but now my ex has lost his job so unable to pay any child support. I am now in a position where i cannot cover the mortgage and have…
-
F&F v short settlement
Hi there, I was hoping for a spot of advice. I am in £40k of debt and recently made full and final settlement offers to the companies in question. I defaulted on all at least 12 months ago and have been in informal arrangements ever since. I'm not working but have a lump sum following house sale. Now in local authority…
-
:p
Hello, Does anyone know if I am able to claim a tax refund for 2007/08 and 2008/09 when receiving JSA? I asked today when I signed on and was told it's nothing to do with JSA and so I should be able to get this with no problem (as I have previous years and all fine, around same amounts or more) but then when I was about to…
-
Soa
Hi just wondering if you mind having a look at my SOA .Sorry cant get it to load so have been best i can adults in household 2 children in household 1 and one on the way cars 2 monthly income after tax £1378 will go up in next few weeks for afew months my income £440 benefits £86 total monthly income £1904 rent £420…
-
Advice - to snowball or not?
OK, so I need some advice from you lovely people! I'm determined to get out of debt, so using the tools on this site I made a realistic budget. I worked out that I could pay off £150 a month at the moment, and decided to pay off my credit card as soon as possible as my overdraft has lower charges and interest rates - the…
-
debt collector at the door
Hi, ive had a debt collector knocking on my door a couple of times (i live with my mum) if she was to tell him i dont live there anymore and she doesnt know where i live would he bother coming back? And what would be the next step for the DCA? im just saving to file for bankruptcy and dont want the hassle from them in the…
-
Is this a realistic SOA for starting uni?
Ok so i start uni in September (going straight into 3rd year:eek:) And my friend has offered me first choice when her current flatmates move out in August. I really love her flat, and i am there all the time, and would love to live with her. The flat is across the road from our work, and so much nearer to the city centre,…
-
MacKenzie Hall's utter contempt of OFT requirements!!!
It is now three months since we reported that the Office of Fair trading had imposed 'requirements' on Mackenzie Hall to 'improve handling of disputed debts' - http://forums.moneysavingexpert.com/showthread.html?t=1639473 Let us be perfectly clear about what the requirement actually says: THE OFT REQUIRES AS FOLLOWS: 1.…
-
I need some help
I recently managed to reduce my credit card bills by over half which I'm pretty dam happy about making my payments far more affordable Sadly I've had some some bad luck as Halifax have written a letter to me saying they are going to close my overdraft on my Current Account which is (£1,200) in two weeks time. After being…
-
Catch 22...
Could anyone offer a solution to my dilemma - i will try to be vrief but include all relevent detail: - Good salary and bonus but high amount of credit card debt. Never failed to make a payment, always paid off loans and never been overdrawn. - Always meet monthly payments but little capacity for more - Problem is the high…
