-
quick question about debt management plan
Do i need to have an income(salary, wages, etc) to start a debt management plan? Im a student and i used to work part time, but have been laid off recently. My family is now supporting me and i get 400pounds each month. It is for my daily expenses such as travel, foods, etc. I live with my relatives, so i do not need to…
-
Will a debt management plan impact on my AAT membership?
Ok, so I've finally decided to do something about my spiralling debt and get in touch with CCCS. It seems the only way forward is to set up a DMP to pay off my credit card debts of £3500. Does anyone know how the DMP will affect my AAT membership? :)
-
Does this make sense?
I am currently paying £154 per month towards clearing old debts. According to the snowball calculator, I have just under 5 years to clear them all off. I am paying my credit union £150 per month and I also have just under 5 years left. I was thinking about asking my creditors to accept final settlements, then consolidating…
-
Debt collection shock
Hello everybody, I'm in need of a bit of help please. This morning my OH recieved a letter from a debt collection agency stating that he mus tpay £85.55 asap or else court action will follow. It didn't say which company it was acting on behalf of. He called the Debt collection agency and they said that they had bought bad…
-
Tax debt advice please
Hi, i'm trying to see if anyone has any advice to offer me. My partner is a black cab driver and has just been sent a tax bill for £50,000. There is no way that we can afford to pay this, and what we can afford to pay doesn't even cover the interest that is accruing. Is an IVA an option? He doesnt have any other debt apart…
-
This might just be me...
This might be a rather odd thing to say and not sure if other people of agree but... I really do love and enjoy saving and budgeting :p OH took me out to dinner last night and we were talking about our first holiday together which will be mid-late September and he said we will have to start putting money aside for spending…
-
Equidebt
I apologise if this is in the wrong place but new today! My partner has a debt management program in place with Harrington Brooks and recently he has been receiving calls from Equidebt saying that they can clear one of his debts of quicker and have verbally given him repayment figures etc. Anyway cutting a long story short…
-
Changing dates of direct debits?
Now that I should finally have my finances organised for once in my life, is there a way that I can change the dates of when my direct debits go out? At the moment all the house related ones (execpt council tax) comes out the 1st and everything else is usually mid-end month. I would prefer EVERYTHING coming out of my…
-
statutory barred debt, in contact again
Hi guys, wonder if you can help me please. 10 years ago i took out a credit card with egg, owed them money, couldnt pay it all back moved address etc, then by the time they found me again (sure it was wescot) the debt became statutory barred, so i came on here and printed off a letter informing them of this, and then never…
-
Newbie here needing advice with an Allied International debt
Hi as I said in my title im a newbie here and I have read some bits about this specific agency but feel like I need to know more. My husband originally took out a loan for £5000 with Natwest, this was about 8years ago, we had some difficulties and it was passed on to another company possibly called Triton though not 100%…
-
DLC HILLESDEAN Ddefault entered 5yrs on!
I'm so angry! I don't know what Hillesdean / DLC are playing at! I had an email thismorning to say there had been a change to my credit file and when I checked it Hillesdean have entered a default on an old HSBC debt (still outstanding) from 2005! This wasn't on my credit file before. I have spent years tidying up my…
-
****Fantastic Friday 14th Daily Chat - feel the weekend approaching :) ***
Morning Morning :) DO a green goddess and streeetch out and touch that weekend. Good luck and morning to everyone. I just have to say Luc is fantastic :T I am wfh today and up early to finish my dissertation too so I can run and hand it in today. My extension was until Tues so I would be handing in early but I may need to…
-
Friday 14th May - 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…
-
Debt recovery companies
I was wondering i heard somewhere that if your debt is sold onto a third party for recovery and they cannot produce the original paper work i.e the credit agreement they have no legal right to pursue you for those funds is this correct ???
-
barclays bank have sht my account as inactive
hi peeps, still not heard anything from bh and they will be thinking we are going to be payment then another 205 on the 20th but this time they will be wrong.
-
My Lightbulb
I've floated about for a couple of weeks, and dipped into some of the discussions. Tonight I've found the courage to do the SOA. From here I'm trying to cut down on our biggest expense, food, while treading water until November 30 this year, which is when OH's mortgage redemption expires and we can sell his house without a…
-
"exceptional circumstances" - legal stance
Hi all, First of all excuse me if this is not in the right place, but hopefully a mod can move it if neccessary. On to my predicament: My partner and I had an events hall hired, with a deposit of £500 put down approx a year before the event. We signed the agreement, with the "non-refundable deposit, except under…
-
Please help ...... my SAO
Hi, I have lurked on MSE for a number of years but today I had my LBM and really would appreciate some advice on our mountain of debt and the best way to go about tackling it. On paper we always seem to have more money then in reality and live from pay day to pay day. My husband has recently been found to have a heart…
-
Booker Management Services and Lowell
do these companies ever take you to court or do they just keep constantly writing to you, threatening court action?
-
soa
hi can anyone advise me how i get a blank SOA
