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A little confused, can anyone help...
Firstly I only joined a few days ago and posted my SOA but this site is ssooooooo addictive, its one of the very few I can use free at my work (we are only allowed 60 mins a day of free time). Needless to say the past few days I have been trawling the boards. There are a few things I wonder if someone can anser for me…
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Urgent help needed with Rossendales bailiffs
A couple of years back i got into trouble while unemployed with my council tax. In due course my debt was passed on to rossendales, who turned up for the first time at half past 8 in the morning when i had been at work until 3.30 the previous evening. When they buzzed they didn't say bailiffs so stupidly, i let them in.…
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Spending Diary Spreadsheet does anyone have one?
I'm going to start a debt free diary in the next few days but as there still seems to be some unaccounted for money in our SoA I need to get started on a spending diary. Whilst im fairly nifty on excel and could set up a spreadsheet I wondered if anyone had a good one set up already that I could perhaps have a copy of? I…
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debt write-off
I ran a credit check on myself via creditexpert to make sure that I'd got all my debts down before I took the final step into an IVA/Bankruptcy. However, it shows that two seperate debts have been 'settled' (I haven't had any contact with either company for about 2 yrs). Amounts to over £8k. I've moved twice since then and…
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Advice needed
Hi, this is my first post, took me long enough to work out how to do it!! I currently owe around £16,500 on two credit cards and have an overdraft of £2000. I have over the last 10 years regulary had loans/credit cards, used them paid them off ect with now problems. However i would like to consolidate this debt now and get…
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So close but yet so far
Hi all, I am a new user here after being a general browser for some time and enjoy reading peoples debt free diaries and seeing how they progress and tips and tricks that they use. Anyhoo, I thought I would share my situation with you, its an annoying one which referring to the title of this thread leaves me so near but…
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Southbank Capital Limited - Unlicenced and Unregistered
Hi Fellow DFW, During a little investigation in preparation for lodging complaints with the regulatory bodies I discovered some interesting, and hopefully useful, information for any one who is currently or has previously been pursued for a credit debt by Southbank Capital Limited either directly or via a Debt Collection…
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Set Aside Charging Order - High Court
I have applied for a charging order to be set aside, of which the High Court has accepted & duly given me a date, in October. With the court order came directions & dates to comply by, based on my N244 (AN), the rspondents were given a date to to file in court the evidence relied upon in answer & also to serve a copy on…
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Help please
Hi I have got a bit of a situation/worry at the moment that I need a bit of advice with. A few years back me and my partner got a joint loan which I was paying back from my account, but I have missed a few payments and have started on a DMP with Payplan. Last week we both received a letter demanding the full amount back.…
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Satisfied Default - Lowell Financial
Hi guys, this is my first post, so please be gentle! :cool: To cut a very long story short, I'll stick to the facts, which are: I had a Capital One CC, back in 2000. I got into trouble and offered to pay less to Capital One. They accepted, and I paid the lesser payment for years, and stopped spending on the card. I went…
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Help please
Im 23 and when I was about 19 i was crazy for going out and got a £5000 loan with high interest to pay off an overdraft and a few car bits and basically blew the rest and also have an overdraft of £2500. And i have car finance every month that costs £150. I still have a year and a half left on my loan and i am really…
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budgeting when paying of debt
Hi all Ive jst done the budget planner and i was wondering do you all put away monthly for xmas ? road tax ? So if i start my budget now should i out more money in now for my tax as its due in feb and so far i have nothing towards it, then i can pay for it over 11 months from there ? And how do you go about birthdays etc ?…
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debt - urgent advice needed
Hello I while back i posted details on here of my deailed debts. But now i am really struggling need some help asap. I have manage to sort out a payment plan with 3 of my creitors but i have the following that are now issuing me with default notice and i have no money to pay them. One requires immediate payment of 232.50…
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Credit Scoring
Hi All Sorry if this is in the wrong section Just a quick message to enquire about Equifax credit scoring if anyone knows. I have credit problems around 3 years ago and it dropped my score to Poor on both Equifax and CreditExpert from Experian. I have monitored these over the last 18 months and my credit scores have gone…
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Hello-it's Thursday 24th..daily chat...
Morning all-seems I'm first here so I'll do the honours!! Today? Well same old,same old really....spot of cleaning,spot of washing...DH studying in prep for his sim sesh tomorrow.Waiting to see if they offer voluntary redundancy again..the rumour is they willl....(Is 45 too old to be married to a "pensioner"??)
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Thursday 24th Sept - 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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Can I reduce my payments to payplan
Hi I have been in payplan for nearly 1 year, and I am finding the payment hard to keep up with, and the fact that I will not be finishing paying all that I owe off for 39 years,"I will be 83" so I am asking myself is it worth struggling every month to pay £151 now it will soon be £155, do not get me wrong I owe the money,…
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Just to say a big Thank you
.. to all the great people on this board and for those who are brave enough to face up to their debts. I have to say that many a time I read posts here and the great, non-judgemental, ready to help people out here really brought a lump to my throat. Six months ago, I was staring at about £10K worth of overdrafts, feeling…
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credit rating mortage advice please?
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I'm new and need advice!
Hi I'm new to this forum but thought I'd give it a try for some advice. In a sticky situation with money as we have more going out than coming in. We are now at the limit of our overdraft and our cards are being declined. Our monthly pay isn't even getting us out of our overdraft anymore. I've got another baby due in…
