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Advice re debts
Hi, ive been paying off several debtts now since 2001, and since 2006 i have been in a debt management plan with payplan. my debts seem to be taking forever to reduce and i seem no better off now than when i started. debts of approx 12k, and have been paying £300 per month since 2006, and i probably still owe half of that.…
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SOA... in trouble
Household Information Number of adults in household........... 2 Number of children in household......... 2 Number of cars owned.................... 2 Monthly Income Details Monthly income after tax................ 1093 Partners monthly income after tax....... 1400 Benefits................................ 132 Other…
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Furious at son being encouraged to get into debt!
If this is the wrong place- Please feel free to shift me over to where I should be :o My son is 17, and in the Army- hence him sitting/passing his driving test within a couple of weeks. I had had him convinced that the best thing for him to do was buy a lil second hand- jaunt about if he was determined to have a car. He…
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Help with next default
Hi! :j please can i have some advise i had a next account, it defaulted and I particially settled a couple of months later they have put a default on my file which is messing things up for me as I need to get a mortgage soon. Its now the only bad thing on my file but i still have probs getting credit so i am assuming it is…
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Is A Secured Loan The Only Solution?
Hello – this is my situation – can anyone offer any situations as to the best solution for me? Me and hubby are both self employed (SE), with non regular income. I have only just been SE for under a year, earning nothing til now and suddenly it’s taking off with £800 worth of sales this week (£110 already in the bank and…
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Sick of this countries consumer laws
I am the only one who has had enough with the soft consumer laws in this country. I was checking my credit file and noticed that Cabot who I am currently disputing a debt with have performed a search on me without my permission. I have contacted Expedian to ask to have this removed. No doubt they will reply with the old…
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Student Loan Question
Hi all, I have been paying back my student loan monthly since September 2006. Payments had reached £152 a month. In September 2009 I started a new job- and from that first paycheque, nothing has been taken by Student Loan Company (SLC). I suppose what I'm asking is, am I doing anything legally wrong by not calling them to…
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DMP Please help
Hi there, can you please give me some advice? I'm on a DMP with Payplan. B'card are still being difficult and now I really am completely confused! I pay £163 via PP which they are yet to accept. They refuse to speak to PP but they said today they would accept a payment plan through them for £95!!! !!!!!!??? I said "look i…
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no idea what to do....
Hi All, Not sure where to start but would appreciate if any one could offer some advice, I am in serious debt, not entirely sure how much because I dont know who all my creditors are; I have/had a gambling problem (going to meetings since Jan) to the point where I would take money from where ever i could get it, (I'm not…
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Please, I need help!
I am new to this site so am asking for advice. Ok, I am 20 years old and made a few mistakes whilst at uni. I have 2 credit cards, 2 overdrafts, 4 unsecured loans and a very overdue mobile phone bill too. I only work part time at the moment but hopefully the company I work for will up my hours soon. I have no idea how much…
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Help...considering moving from a DMP to IVA!?
Hi, Currently on a DMP for 12 months. Owe about £21,000 and pay £340 per month. After a potential change in income and reading around it seems possible that moving to an IVA may be better. I have 5 yrs and 3 months left if I stick to the DMP and the odd company keeps adding charges and interest ad hoc. However, If i…
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Aol, Roxburghe and David White
Apologies for posting this twice but I thought I may get some quick help on this board.... Here is the condensed version.... Ok...I am now officially losing it with the above!!! Over a year ago we cancelled our contract with AOL and recieved a MAC code to enable us to change our internet providers. This was done without…
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Fresh thread, fresh start
I've tried this before but i always seem to go off the rails. This time i'm 100% committed and i'm going to be a right tight b[IMG]file:///C:/Users/Matt/AppData/Local/Temp/msohtmlclip1/01/clip_image001.gif[/IMG]stard until I’ve paid off my debts! I'm going to treat this as a diary and hopefully it will encourage me to keep…
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Think i've messed up
hi all, just thought i would ask for any advice about my bank. wife telephoned and explained that we had entered a dmp to commence on 19/02/10 and asked if they could block payment of 3 payday loans wonga 300 payday express 600 wageday advance 390 explained that i had cancelled bank card and removed my name from access to…
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My SOA - bitter reading......
Well, I finally did it and I feel sick, I have stupid debts that have built up over the last few years, mostly in the last 3 years as we had a failing business that we eventually got rid of last year. All our stock, lease etc seemed to be going on credit. When we finally got rid of it we were left with all these debts and…
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Monday 15th Feb Daily Chat-Where is everyone???
What?! No daily chat?:eek:
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Monday 15th February - 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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Strange Situation
In December, I started a Personal Training Course which is roughly 4.5K 1000 interest . However the payments were supposed to start on 16th January However looking back on my statement it hasn't shown up, could this be a mistake with my bank? I THINK the money did come out, but not too sure. Any advice? :o
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Any help with SOA greatly received!!
OK here is my current SOA - its relatively good but if anyone can pick it apart (nicely :) ) I would be so very grateful! I cant see how i can shave any more off really so other sets of eyes can be very helpful! Income (1) 1600 (2) 1550 Total 3150 Outgoings Rent: 480 Council Tax 82 Gas: 30 Electricity: 30 TV Licence: 12…
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Daily Chat 15th Jan - post valentines pre pancake day chat!
Morning all... what, no daily chat today?? :eek: I'm off to work in a min... need to ask my boss for time off to go to my job interview... :eek: Also have to take my poorly cat to the vets later.. poor fella spent all night cuddled up to me shaking like a leaf and didn't move once. think he's got an ear infection but he's…
