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A new beginning
Hi, It seems like i've spent most of the day on this board reading through various posts. So I thought it is time to tell you about my story. After christmas, I got a nasty letter from my bank saying they were going to cut my overdraft by £1000. Due to changing job, moving house, and buying a car (needed for work), and…
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update
i wanted to update the people on here who had supported me. thankyou to the people who pmd also. ive been to the gp again and they are going to try and fast track the cbt and send me back to the hosp re my medication. still waiting for the divorce to sort before i can do debt relief order, which is a pain but just have to…
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Question re Defaults
Hi, I have just spoken with experian who confirmed that a number of defaults were due to come off my file in March this year. I have been paying the creditors a set amount for the last 5 odd years and they still have outstanding balances. Experian advises that the defaults will be removed and it will therefore show that I…
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Is it too late?
Today, my employer (NHS) announced that over the coming months, there will be several hundred redundancies, and some compulsory – and that decisions on how staff will be effected will be made in the coming weeks and months. I have no idea if it will affect me or not. Question is, is it too late to get income insurance? The…
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Need a kick off someone!!!
Ok i should know better but i dont and its time to ask for help (again) i need some advice on how to get out of this situation once and for all!!!! I'll fill you in on my situation im 25 and live with my dh and 1yr old dd we both had some debt before buying out house and thought we could manage with it - however we came…
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court
Statement of Affairs and Personal Balance Sheet Monthly Income Details Income from Employment (after tax). . . . . . . . . . . . . . . . . . . . . . . 1,462.28 Income from Self Employment (before tax). . . . . . . . . . . . . . . . . . . . 0.00 State Pension . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .…
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Harrased by Wescott
Hi, Me and my partner have been living at our house for around 18 months.. We keep getting a debt letter for someone who i can only assume lived there over 2 years ago as we know the previous owner and he had it for 6 - 8 months. I have phoned them numerous times and threatened police action but they keep sending letters!…
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old overdraft with santander
hi everyone. i have a old account with santander which still has an overdraft on it of £2,800. i no longer bank with then now as i have switched banks and am paying £50 a month into it which is all i can afford. the problem is every month they are charging me £41. in charges. there is no way i can pay it off in one go but…
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Can I stop these payments
Hi not sure where to post this so if it's not here sorry. I have been paying £62 per month to a compamy who bought a debt I had with a catalogue, but as I'm getting into financial difficulty and have spoken to CAB they have told me to stop all non essential payments. I contacted the bank to stop this pament only to be told…
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Tues 1st February - What small DFW things will you/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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What should I do?
The basic situation is Mortgage 267,000 outstanding at 5.19 (fixed) payments £1360 monthly Debts £40,000 - credit cards and ZOPA - average APR 8% Income after tax £4000 monthly Snowballing (inc mortgage) £2300 monthly We have recently started saving for the kids (age 3 3 and 8) £400 monthly at 2.8% and have £2400 Instead…
