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Student Nurse Quandry....Advice Please!
Hi there, I wonder if anyone can offer any advice on my situation. I am 24 years old, British and in the final year of reading for a Bsc Hons General Nursing, and I qualify this September. The NHS has supplied a monthly bursary throughout the course, which in my final year is 343.52 per month. This covers my rent expenses,…
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My SOA
hi everyone, Can someone please have a look at my SOA below, please note that I am the only one going bankrupt, hubby will be doing an IVA. I am a bit surprised at the surplus amount as it isn't normally there at the end of the month!!! anyway I could bump my expenditure up a bit??? I kow the amount of the debt is…
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Help with Blair Oliver complaint
Hi guys, I just need a quick bit of advice about what I can do regarding a complaint I put in about an old credit card I had. Basically, I had a credit card with Intelligent Finance way back in 2001, which I defaulted on and it went to CCJ in 2002. I was paying this off via a debt management plan from 2002 until in 2005…
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Just closed the last credit card...
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Shall I move this to Bankruptcy thread???
Dear friends, First of all I just wanted to say what an inspiration this forum has been to me over the years – I think it gathers some of the brightest, kindest and funniest people I have come across in my life. That’s why in this difficult decision time I just wanted to share my debt story with you in a desperate need of…
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Getting rid of the debt
In most users signatures I always see how they are conquering their debt. How are you guys able to do this? Have you changed jobs? Do you earn more money? Have you agreed to IVA's? Please let me know because I would like to be successful like you guys.
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A bit worried now...... my first DMP payment
I made my first DMP payment to CCCS on 01 Julyvia standing order and it shows on my bank account as having come out BUT nothing showing on my CCCS account online. A couple of other DFWs said that it might take a coupld of days to show on the CCCS account - but it's still not there. Am I worrying for nothing - I'm terrified…
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Help and Advice on which way now please?
Hi My wife and I are in a bit of a financial mess. We have gone onto the CCCS website and have been given two options through the debt remedy, an IVA or a Low Payment Start DMP. We are both working and earning, it's just with the increase in day to day living we relied on credit as our wages didn't and haven't gone up with…
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Should I cancel the DD?
Hi all, I posted this on the digital tv board a week or two ago but no-one's replied. I cancelled virgin tv a year last april. They told me to keep the box as a freeview box, so it's been unplugged and put away since then. A couple of months ago I changed phone to BT. Now I've had a bill for a large tv package that I don't…
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My SOA - any suggestions?
I've posted this in my DFW diary, but thought I may get more help / suggestions over here. A few notes: The 'Surplus' money usually gets spent on extra credit card payments, the occasional birthday gift (although I buy things when I see them cheap throughout the year ;) ). DIY supplies for the house, garden stuff for the…
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Oops - what do I do?
Hi I have been going through the letters I have recently received from my Credit Cards, who in May I sent a £1 roken payment via Postal Order to with a letter advising I had contacted CCCS etc. I was just about to send off another lot of £1 postal orders requesting they send me their Standing Order information to make…
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Bank opens an illegal account?
Bit of a strange situation but here goes. My wife opened an account with Lloyds TSB approx 6 months ago. Wanted just a simple account that had a debit card. She was offered an all singing and dancing one which had a monthly charge and had a few freebie offers such as mobile phone insurance and cheaper european car cover…
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Your Right to Cancel
Is the right to cancel box a prescribed term within the agreement? Does the lack of cancellation rights (or no cancellation details sent within 7 days) on an agreement mean the Agreement is unenforceable? Assuming the above were not signed on the creditors premises Thanks
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difference between default and late payment
can anyone explain what the difference is between a defualt and a late payment. have looked on eqifax but no clear answer thanks
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New to all this
Hi I am Moneytree1 New to this site so here goes I have posted my SOA below so that I can begin my quest to be debtfree. I am a full time student and also a single parent so have been skint for some time just like to find the light at the end of the tunnel.:eek: font=courier new]Statement of Affairs and Personal Balance…
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please help i lied need advice
morning, i have just had moorcroft on the phone 2 secs ago and he said they were calling about my account that they have just taken on a lloyds credit card. i told him i did not want to speak over the phone as i have sent a letter (i lied as i have not yet!!!!!) and want everything in writting not phone calls. he said well…
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CCA letter - one I've missed?
Hi all, hoping someone could direct me to a thread which explains CCA's. I know what it stands for but just wanted to know about the process and the reason for requesting them etc. I can't believe this one slipped past me - thought I was becoming a proper MSE!!!!:mad:
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6 July DFW Chat Yes, it's Monday Again!
It's Monday morning again folks - hope you are all ready to go to work on an egg :D
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Monday 6th July - What small DFW things have you done today?!
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, when…
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Hi. SOA Help Please...
hi. go easy on me. :) Statement of Affairs and Personal Balance Sheet Household Information Number of adults in household........... 2 Number of children in household......... 0 Number of cars owned.................... 1 Monthly Income Details Monthly income after tax................ 1438 Partners monthly income after…
