-
Iva question
What happens if your have an iva and then you get an unforseen bill for a household item etc ?
-
Iva questions
WHAT HAPPENS IF YOUR HAVE AN IVA AND A UNFORSEEN BILL ARISES ? E.G . NEW GAS BOILER ETC. DO YOU GET SOME KIND OF IVA HOLIDAy?
-
Help with debt payments
To clear our debts (at present 80k) we need approx 26k . This is the amount are creditors are looking to settle. We have been to the cccs and carried out various paper exercises with them. We have around 18k equity in our house but have had no luck in selling. We have thought of asking our son to help by buying into the…
-
Help please (SOA)
Hiya, Right I need help My husband is very sadly terminally ill:( We have 3 children and he has about a year left:( I am on a DMP with payplan (£90 a month) but I just cannot afford it (see below) as I have had to give up work to care for him and our children It has got to the point that today I have 0.95p left in my…
-
Advice on SOA please?
Below is my SOA and I would be grateful for any advice. Please note I am in the forces and do not pay any bills for my room, the army pays them. Also there are some bills I have that are not an option on the SOA so I have explained next to them if this is the case. Thanks! Household Information[/b] Number of adults in…
-
Mercers won't accept my offer
Hi Just wanted quickly to say thanks for the great and informative site, everyone seems to learn a lot and everyone's so friendly. My problem is quite complex but I will try and make it as brief as possible: Got into a lot of debt and was paying far to much of it to CC company's, banks for loans etc. So went to the CAB who…
-
what to pay off with the 4k cheque
hi we traded our car in recently and got a much cheaper run around we also got a cheque for 4 k back from the dealer our debts are as follows ring 75pcm 11 months left 1500 0% apr loan 152 pcm 36 months left would reduce the term to 12 months 8% apr bike 40 pcm 36 months left 2k 19%apr egg c/card 110 pcm 4k balence left…
-
Will by debt affect my parents credit?
Hi, I have just defaulted on a credit card account which is registered at my parents address. I know the default will stay on my credit report for six years. Does this mean it will stay on my parents address for six years also? i.e. if my mother tried to apply for a new credit card is she more likely to be rejected because…
-
cccs advising I pay a £1 for a full history
deleted due to bullies n trolls
-
Default notices and DCAs
If a creditor sells a debt to a DCA, do they have to issue you with a default notice? A couple of my creditors did this after several years of being in a DMP but the first I knew about it was when the DCA contacted me and I didn't receive anything from the original lender to say they were selling it on.
-
help ( out of ideas
In need of serious advice, Im 25, and in alot of debt, After tax i get approx £1140 per month, And my bills are £80 a month barclay loan £50 per month egg card repayment (masxed at 1380) £15 per month Barclaycard (maxed at £600) £25 per month capital one card (Maxed at £500) actually over its limit £30 per month Vanquis…
-
Debt help needed
I am really struggling with approx 14k worth of credit card debt, have tried transferring this around but cannot get another card as they all say I have enough credit already and will not give any more. I desperately need some help to try and get under control as with the other bills and outgoings I have. Any help on how…
-
What to do with Dads money?
Hi everyone, My dear dad sadly passed away in Dec, something i am still coming to terms with. Due to his passing I have inherited 10 thousand pounds from him. Its the first time I have ever had that kind of money to myself and really want to do the right thing with it. Initially i was just going to put it into savings and…
-
DMP - Budget item queried by creditor, CCCS want to shut down plan!?
Hi there, i'm wondering if anyone can offer some friendly advice. I have had a DMP with the CCCS for 15months, and so far has mainly run smoothly. After I finished uni last summer, our income dropped when DH went to college (his bursary being less than mine was). It took a few months for the benefits to sort themselves out…
-
Thanks to all
Just a note to say thanks to all of those on this thread who've taken their time to help others. Over the last few years since LBM I've used so much of the advice on this thread to clear my debts and can finally say - I'M DEBT FREE :j It's so nice to know that the end f the month comes and I still have money in my a/c and…
-
Already sick of the phone calls!
Started my DMP on 1st Feb, paid my money to CCCS. Got a phone call today from the halifax, had a mexican stand-off while I refused to give any security details until they told me what it was about (and vice versa). They gave me a number which I rang. Got hold of a woman who can only be described as miserable. I hope for…
-
Seven children and getting life in order
Hi, I am pregnant with my fifth child but my partner's children live with us, we have custody of them. In a nutshell we have been together for almost 6 years and have one daugter together our second is on his/her way (I'm due in May) I have three sons and he has a son and a daughter from previous relationships. We have…
-
Thank you, you lovely people
This forum is amazing, it helps so much hearing from other people in a similar situation. None of my friends really understand and I feel so guilty, ashamed and embarassed that my finances got so bad (even though it was for a variety of reasons, some outside of my control). Keep up the good work people, it's such a great…
-
DMP, Yes or No
Hi I have been on here a couple times with my SOA's and have been adviced to contact cccs to see if I can arrange a DMP. I am really worried about this, as I dont want to fall into even more debt than what I am already, and by only offering my creditors a token payment of £1, that is what is going to happen. So I was just…
-
Next Steps?
Hi folks, I posted a few months back outlining the following: http://forums.moneysavingexpert.com/showthread.html?t=1935695&highlight= Just an update to the money I owe (money in hasn't changed): Unsecured Debts Description....................Debt......Monthly..APR Egg Loan.......................3381......102......7.9 Egg…
