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Useful spreadsheet for keeping track?
Evening Have done a quick search & tried to google...but not had much luck. Does anyone know of a spreadsheet that will help me keep track of my bank account balance? I've only recently had Excel & to be honest..I'm struggling to do really simple calculations!! :o I just want to be able to keep track of things! I'm sure…
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Defaulted Accounts - Question....
I have four creditors with accounts which all defaulted in 2006/2007. Two of these (Egg and Northern Rock) have around £1100 each left on them, and I'm getting desperate to get rid of them once and for all as they have been a stone round my neck for long enough!! I have been thinking and working out that I could probably…
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DMP Advice
Hi all, I am considering starting a DMP with either Payplan or CCCS. I have debts of totalling nearly £15000 with 6 creditors. All of them are either Overdrafts, Loans or Credit cards. I only have two questions: 1) Which one is best to go with and do they really work for the creditors? 2) One of the debts is a managed loan…
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50k unsecured debt need help
ok here it goes i have 51k unsecured debt and 16k mortgage which 4mths in arrears im starting to get default notices and ive got a debt collectors letters it just seems to be mounting up and dont know what to do need some advice please
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County court judgement charge on house
About 6 months ago my wife and i agreed a dmp with vincent bond finance.They have been very helpful dealing with our creditors .In fact with my wife and i working long hours they have been invaluable. Unfortunately one of creditors (9k owed) has not agreed our monthly rate of repayment ( 80% CREDITORS have agreed at…
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Advice please? re:Littlewoods
I'm a relative newbie to the forums, so I hope that I am posting this in the right place! I was just hoping that someone might be able to give me some advice on the following as it is causing me a terrible headache along with being short of money and having a bad credit score: Basically, I ordered 2 pairs of work shoes on…
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Debt Options
Hi all, Total newbie here and wanted to see if I could get some advice. I have kind of got a plan in action but after reading some posts on here there are always alternative better ways which I have probably not thought of. First of all I'll explain my situation. Me and my partner have some debts which we are paying off as…
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Debt advice for trainee accountant
im a trainee accountants and i've recently found myself in alot of debt just under £20k - im looking at options to help the problem but i've been advised that if i go down the route of trustee or debt repayment plan then it will black list me for my career path. im not a homeowner and my salary is only £20k Does anyone…
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Fed up of being in debt
Morning all, Just looking for abit of support really. Been paying my debts off for nearly two years,I still have around 8months to go before I'm debt free but I just hate having the debt looming over me. I still live at home and pay next to nothing for my board. I always find myself thinking if I wasn't in this debt I…
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Weekly Spend Challenge W/C 13th March 2011
Hello everyone . Welcome to the weekly spend challenge. This challenge is open to anybody, no matter what financial place they are in. On this thread please post an amount of money you wish to stay below within the week (Sunday to end of working day on Friday). This can be pennies or thousands it depends on the individual.…
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Template letter to request interest is frozen?
Hi, I know I have seen good examples of template letters on here to send to creditors requesting that they freeze interest, and I wondered if anyone can help? I'm on a DMP and only one of my five creditors have frozen interest. I'm fully aware that creditors don't have to do this, but I would like to write to them and at…
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I need advice on my debt
Hello Friends, I am new here to discuss about debt management plan qualifications. Please tell me the quality of a debt management plan. I have a debt over 10,000 GBP with more than 2 creditors and some pending bills also. Please inform me the quality of a good debt management plan, it will help me to choose a best debt…
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help required with HFO Services please
Hi Everyone, I'm new so please forgive me if I have posted in the wrong place. Whilst searching for some help to our problem, I came across this website. I have read some previous posts about these people, but can't find any answers. Over the past 2 weeks, these people have been hassling me, without saying who they are or…
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Deafault on Credit File
Hiya hope i have posted on right section. Can anyone please tell me how long do a company have to remove a default from your credit file once the time has elapsed?? I have looked about the forum but cannot find this information so any help would be great. Thanks :) Mrs J xx
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All crashing down
Everyone's on our case at the moment One Sued by a company never heard of - Debt buyers apparently Sent the bailiffs round - unfortunately they know us personally! They were very nice and agreed a weeks breathing space to appeal the case. Received letter today threatening commital to prison for ignoring the bailiffs from…
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Untangling the mess
Due to debt crisis there are no clear lines between each other money. I am currently putting Income & Expenditure together to get some help. We have been advised One budget for everyone - but this is impossible So I am doing individual budgets. Q. If I have been contributing to the household due to a financial crisis i.e.…
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Scared and tired but facing up to it
This is my first time posting on here. Yesterday my Husband discovered just how much debt we were in. He was aware that we were in debt, but thanks to me concealing it he had no idea how much. I have carried the weight of this debt for so many years, I have forgotten what it was like to not worry, not to lie to my Husband…
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Wescot
I live in a rented flat and recently received a letter from Wescot addressed to MR [MY INITIAL] [MY SURNAME]. I opened it, thinking it was for me and they just got the title wrong. It was about £x amount of money owed to Sky. I have never had Sky so I knew right away it wasn't for me! I have a brother, MR [SAME INITIAL AS…
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Confused
We received a CCJ in February which was a Forthwith Judgement. We are currently on a DMP and have no spare money to pay the amount on the CCJ. We duly completed a N245 and retruned the papers within time, offereing the £27 we pay on our DMP. On thursday we received the Variation Order (determination) and the Court ordered…
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UK Council tax debt - seeking advice
Dear All, I would appreaciate any help on this. I have moved out of a rented property in April 2008 and have also moved back to my home country within the same month, living here since. I have had a £550 debt with my local council at the time, and have received a Summons for non payment on the 4 March 2008. I have not…
