Debt-free wannabe

Discussion List

• DMP and possible redundancy

  Hi, I am currently on a debt management plan with CCCS. However, it is looking like there is a chance I maybe made redundant from my job soon. I will probably have to go on housing benefit for a while. I am a bit worried about this. Will CCCS still be able to manage my payment plan for me if I am on housing benefit?

• Joint Account

  Me and the OH are going to be opening a joint account over next couple of weeks to set up our rent and bills for our new flat together. We plan on paying in enough money to cover the rent and bills and ideally we would want an overdraft of no more than £100 just incase a bill comes out when not expected for some reason…

• Dates for a CCJ?

  Can anyone help me with how you work out the dates for a CCJ? The date on the front of the papers was 25th May, then it says the date of service is 5 days from then, and then because I filed an acknowledgment I get 28 instead of 14 - silly me though thought for some reason you get 28 days from when you file the…

• Fighting a losing battle!!!!!!!!

  I am a single mum of two kids and have been running a business for ten years. Things have been good and I managed to buy an ex local authority house and tick by just nicely. With the current climate and for various other factors work has been really sparse and to say I am struggling is an understatement. I have done the…

• Thanks to all who gave advice...

  Thanks to everyone who gave me advice on my SOA last month. DSs DLA has been sorted out and therefore my carers allowance has been too, so everything is ok. It was a real eyeopener having to cut back so much and I'm grateful to you all because we didn't really get in to extra debt over it and now we will have more money…

• And Another Low Hit........

  Whast can I say, Its not like I wasnt expecting it - but a further low has been hit and I can honestly say I am in pieces right now not having even the simplest clue which way to turn. I have spoken to CCCS who reccomend my best option is a IVA as I will be debt free in 5 years (When Im 31 - god that sounds scary!) over a…

• Help with Full and Final settlement

  Hi we are hoping to pay off the debts we have we sent the letters for full and final settlement and have just recieved one back from Capital one saying they will accept the amount and if we do pay less than the full outstanding balance that it will show as satisfied with an additonal flag of partial settlement. What does…

• Should I open a new account?

  I have a £1,200 overdraft with my current account from RBS. My wages get paid into the account and it's the only bank account I use. I'm worried that they will just take back the overdraft at some point and I will be left with nothing. I do have a Halifax basic account but have never used it and don't really want to…

• help, not sure of what to do next

  ok, bit of background approx 22k worth of debt, been on DMP for 20 months and its now down to approx 17k with 4 creditors. going through separation at the moment and my new budget means that i cannot afford to stay on DMP withy CCCS as my outgoings are more than incomings. (I still need to look at where i can cut back and…

• Experian not showing all my debt!

  Hello How scary it is to go to take the plunge and start trying to tidy things up!... So I'm part way through filling in the CCCS online form, and I want to put in my list of debts. I signed up for Experian to get the full details... and they aren't all there!!!!!! There are a few small ones missing, but more worryingly…

• Home insurance with bad credit

  Hi all, we are on a DMP and obviously have bad credit. We have home insurance with More than & have today received the renewal through. It implys we have to sign a credit agreement which is the cost of the home insurance for the year upfront - £160 in installments of £14 a month. Surely this will be rejected because of my…

• Secret Debt - Telling My Partner

  Hi, I don't know where to start. I am going to tell my husband this weekend about the debt I have kept hidden from him for the past 10 years. It all started 20 years ago and I am sick of being in debt and letting it control my life. I owe £24526 according to my Experian report and that figure just makes me so ashamed…

• I need some help please

  Hi Thanks for listening I have run into some debt, and would be grateful for all the help. I have 2 credit cards and owe more than £5000 in total. I would appreciate all advice given. Thanks

• Abacus/Clear Debt and Kays/Home Shopping Direct - warning

  I have just had a call from someone called Clear Debt, apparently on behalf of Kays/Home Shopping Direct (who are one of my creditors currently with the CAB), checking that I was 'happy with how the DMP was going', how long it was due to last, how many creditors I had etc, and the icing on the cake, 'that the CAB had given…

• **Fantastic Friday Daily Chat.Pop in & say hi**

  Hey up gang :grin: Lovely day here again :grin: Good weather makes me feel so much better:D Have a great day everyone. Snaggs~Hope all goes to plan for today.

• please help

  hi please could some help are you aloud to put ciggs down on your income and expenditure for a DMP. Thanks

• Fri 18th June - 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…

• stuck over debts

  iam in a big mess 26k at 24 most of this was when i was a bit unstable health wise mentally a few years ago, i was assulted and never got over it this had a massive bearing on my state of mind i didnt realise my situation till months later often was going out on spending sprees of 3 or 4 grand a day and had to move out of…

• advice needed on debt management plans

  I have got myslef into a mess with debt including pay day loans and it looks like a debt management plan is my best option. Following the good advice on the forum I have only looked at CCCS and payplan. Whilst I realise that things will be tight and I will need to stick to a budget I am worried that I will have no funds…

• DMP to Token Payments to IVA

  Hi folks, As the title suggest I'm currently on a self-administered DMP which is going ok, things have quietened down. But with a few unexpected things to pay for over the last couple of months, is looking like I won;t be able to afford my payments for a few months :( Has anyone gone from being on a DMP to only offering…