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Financial Statement Help Please
Hi all, Im currently composing a financial statement to be sent out to creditors. Ive got the template sorted en excel together with calculating pro-rata payments and its all calculating well. My question is, although Im pretty good at shopping on a budget and keeping costs down, how much can I get away with on expenses…
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New HFO Low
Good morning all, Many thanks for all who helped yesterday. I have sent request of Credit Agreement and 'Prove it' letter to HFO. But...... can you believe this???? Going through their correspondence I found, at the back of an Experian report they sent me, AN AERIAL VIEW of my house!!!!!!!! This is such a blatant 'we know…
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stressed , fed up and very down
Hi I dont know why im writting this, i feel abit down. I feel totally exhausted sp? I am currently finding paying bills hard.. I got married last month, im currently on an access to health course and have been accepted to go to uni for a nursing degree in Sept. I have 2 kids both in childcare, and although i knew this year…
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My debt plan should have ended (Payplan)
I have been with paying off my debts with payplan for six years. Some of my creditors had started charging interest as I don't have a bad wage and was able to start meeting the minimum payment. I have had a few issues with payplan namely they take the money out of my account on the 1st and my creditors don’t get it until…
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Satutue barred Scotland
Hello there I am new here and I am looking for some information please. I have an outstanding debt. It was originally took out in 01/08/2005 and it went too default on 31/03/2006. I was waiting until the end of this month to contact them about this debt being satued barred as it will be 5 years to the default date at the…
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DMP with Lloyds
I have been doing my own DMP for 2 years one of my creditors is Lloyds TSB overdraft , i have a standing order which i set up myself to pay TSB everymonth and have done so for the last 2 years no problems . Two months ago i got a letter from them they wanted me to increase what i was paying to them , i phoned them…
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reconstituted CCA
Hi Sent off CCA request to CAP 1 (after all problems with them previous threads) They sent a reconstituted copy with 6 pages of terms and conditions status of account They also say they have filled all obligations and will not communicate on this matter further Whats my next step I have asked on another site they suggest…
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Monday 21st March - What small DFW things will you be doing 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 does status “0” mean?
I recently viewed my credit report to find out why I can not get credit even though I have paid off my debts. The debts I have paid off say “status 0” and it lists a scale of 0 - 9 for debts but it does not say what this all actually mean. One is led to believe that if one pays off ones debts they effectively clear them…
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Can they take my assets?
I have a debt which was kind of fraudulent, basically it was created by my son several years ago. It was a bank loan of £30,000 I defaulted in 2006 and left it as that. I do not see it as my debt so I have left it be. I recently viewed my credit report and it is due to come off in just over a year. My concern is that I am…
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New HFO woes
Hi Everyone, I know ther is a lot written on here about HFO but can anyone help me please? I received a letter recently from HFO regarding an old Barclaycard debt. I called these people to try and make an arrangement as I have recently been made unemployed and no way could I repay full amount as they were demanding. I…
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Default Debt
Hi, after browsing through this forum I have a few questions as I was not able to find the answers that I needed. I am a full time student, living at home, working part-time, therefore I do not pay rent/mortgage or any other monthly bills. I have about 2200 pounds debt according to creditexpert, 5 of which are default.…
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In a complete mess of unsecured debt - please help
I'm posting on here as I cannot sleep, eat or even function at work because debt has taken over my life and I know that the brown stuff is about to hit the fan. Due to pointless spending in the past, coupled with an internet gambling habit (now completely kicked) trying to make some extra cash (I know...) and finally being…
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oops!!! think my good intention was a bad idea!!
ok i was checking my egg card last night and seen my balance was £497.33 and my credit limit was £755 so seen a decrease limit option and set it to £500 feeling very good about myself - then realised the interest will go on before the next payment comes out!!! this will incur charges ect is there anything i can do????
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Can you advise me please?
Can you advise me on how to make this better please? I get confused by figure's and numbers, so don't be too confusing. many thanks. Statement of Affairs and Personal Balance Sheet Monthly Income Details Income from Employment (after tax). . . . . . . . . . . . . . . . . . . . . . . 0.00 Income from Self Employment (before…
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What fun could you have with a DCA phone call?
I want to say "I've got DCA's on the phone" like saying "I've got squirrels in the loft" because it feels like the same sort of pestolence. If the call volumes were any heavier or if they were giving me particularly dificult nonsense I'd do a phone number change, but the levels don't really justify the inconvenience. I've…
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Not currently in debt
Hi I just really want to join in because we're trying to save a lot of money from our monthly outgoings and save to buy a house. We've been in debt several times and managed to pull ourselves out but we've used earnings to do that rather than savings and I think it's time that we started to learn house to use money…
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Advice needed for ex student
Hi everyone, I am looking for advice for my son who has given up his UNI course in Nursing having decided it is not for him. As yet he has no job and is coming home next week so at least he has food! Until he gets a job what is best place to start with debts? Student overdraft No. 1 - £1000 Student overdraft No. 2 - £500…
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Want to check my credit report but am a bit scared.
Hi All, I have never checked my credit report before and am a bit scared, yes by what I might find- though I think I have accounted for all debts that I have, but by the actual signing up and terminating trial before I get charged is it easy to do?
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Debt management agency
Hello all, i was wondering if anyone could give me advice on debt management agencies. I have been with 1 since 2007. I have been thinking about leaving them so I contacted the creditors myself to set up a payment plan without a 3rd party. This was the time when I found out that the agency-that i have been paying promptly-…
