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Pros and cons of using euqity to clear debt
hello. This is my first post, I am a virgin to Debt free Wanna be. I had my lightbulb moment the day before yesterday. I feel better already! So we have decided to sell and downsize. Mortgage and household outgoings are massive and without reducing them I have no chance of any in roads on the rest of my debt. Question is,…
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SOA from a newbie
Hi all, I've had a scroll through some of the millions of posts and don't know where to start. I'm a full time mum and my dh brings in a fair amount of money, but it disappears each month and we seem to be sinking and sinking. We have 2 kids and the eldest is 4, and we plan for me to home ed for a while at least (but…
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I am at a complete ded end..
First things first I think.. I am 20, Scottish and just finished an NQ at college. I have been accepted for and HND which I will begin in September, and have been awarded a £4000 loan (thank the lord) to help tide me over the year. I work on an 8 hour contract in a very well known cough sports shop, but my hours can range…
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here again...
Ok i'm here again, me and hubby moved into our new home 18 months ago and at that time cleared all ou debt. I have just completed my first year of studying to be a teacher and as predicted (by our now carefull budgeting) we are in 2 months of less money than we spend. So here I come back to get some support to make sure…
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MY SOA is this ok??
Household Information Number of adults in household........... 2 Number of children in household......... Number of cars owned.................... 1 Monthly Income Details[/b] Monthly income after tax................ 1250 Partners monthly income after tax....... 450 Benefits................................ 0 Other…
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a little help please.
well im in about £2.500 debt i have had alot of help from you guys before and im very thankfull. i just got a job and i am now working to get DEBT FREE! :money:.... Wescot is the main one at the moment that pesturing me for money one from my credit card and the other from my debt card ( both accounts closed) debt card is…
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Have debt but no permanent address
Hi, I've got debt and some overdue bills but due to an unexpected end of a lease I'm sleeping on friends and families sofas. I don't want to list that I'm living at their address. What can I do? I might not get a new place for a month or two Thanks
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Forced charging order
Has anyone had a forced charging order? Rbs lost the ccj and now are going back to court for a redetermination as they object to the amount we are paying. The amount is for 28k what is the chance's the changing order will be a forced one? CQ
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Lloyds TSB Survey telephone calls
Have anyone received telephone calls from Lloyds TSB, in regards of surveys? My hubby was driving when they rang his moby, he stopped the car, and they asked if he is able to take part in a survey, he told them "no sorry, I am driving and do not have the time". However, I'm sure its the same tel number they use to pester…
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Debt Collection Letter
Hi all, I received a letter from a debt collection agency asking me to call them about an important matter. It doesn't have any details about who the creditors are or the amount. Is there any way I can find out this information, and does anybody know what the law says about my rights to privacy - shouldn't they give me…
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Telephone Harrasment Template
Can anybody point me towards a telephone harrasment template please asking my creditor to remove my telephone number from their system.
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Monument (Compucredit)
Guys Do any of you lovely people have an email or address for the CEO of Monument Card (Compucredit)
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Help!!
Dont know if this is the right place to post but here goes. Years ago when I was little I was a bit stupid and thought I would use my dads card to buy the internet from AOL. We then cancelled it years ago not sure how many. Now many years later SRJ have sent letters sayign I owe them money. Surely AOL would of told me this…
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DCA strange reply to CCA Request?
I sent a CCA request to Reliable Collections for VivalaDiva and Simply Be. As in two different accounts. I've had a reply for ONE of them. "In relation to your request for a copy of the executed agreement under section 78 of the Consumer Credit Act 1974, under regulation 3 (2)(b) of the Consumer Credit (Cancellation…
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Help!!!! First ccj
Today I have received paperwork from the courts for one of my creditors - Alliance & Leicster whom I owe 7k to. I owe in total £30k and was paying payplan £300 a month until I lost my job in Nov 2008. Now I have no income whatsoever - only my wife's wage and tax credits and cant afford to pay my creditors anything other…
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What do you do when there is more month than money?
Ok. Been dealing with our debts quite well. This month however I have had an expensive car repair which wiped out the emergency fund and then some. I am now left with £4.00 in my account till next Friday, 2 direct debits going out next week totalling £80 and I need about £20 for petrol and £30 for food. DD also has a…
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Please Help - Allied International
I have approx £25,000 debt, but no longer reside in the UK, I have been meeting up with my commitments judiciously for 4 years up until last year when the credit crunch put me in a situation whereby I'm still working, but earning a grossly reduced salary. I aim to pay back ALL the debt despite my circumstances. On paper, I…
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RBS Mortagages - where is the sense?
We thought that we had found a way of getting out of debt in 3 years by changing to Interest Only for a 3 years. We would then use the extra payments on top of what we are paying already However, RBS have refused although they are happy for me to go into an arrears position for 6 months - which will stuff our credit and…
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Telling new partner about my debt
I wonder if you could give me some advice about telling my new partner that I am in debt? It is a fairly substantial amount and was the result of buying out my ex a couple of years ago. I have paid off almost half but there is still a fair bit to pay. I work 2 jobs and also have a lodger to help pay off the debt sooner. I…
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Advice needed on IVA with payplan
Hi, have been trying to organise a DMP with Payplan but due to my useable income being just £150 a month, they have said that there is no chance that this will be an option, and some of my creditors will not deal with Payplan on a DMP anyway, my question is, with no property to protect, no assets, no job restictions etc,…
