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My SOA - a bit more complex than most :-)
Hiya, My SOA is below. I have added some comments below to explain where some figures may seem unusual or different. There are a few things to bear in mind with this. My wife works for a bank, so an IVA or Bankruptcy (or similar) would show on our credit file, which would mean she would be ineligible to work for the bank…
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Advice needed for my next step
I need some advice on my next step of paying my defaulted debts. Current Account - default = £1026 Loan - Default = £3049 I would ideally like these to be payed as soon as I can. Here are the options I can think of; - Negotiate with the dca's dealing with my debt to pay off a fixed amount every month. (Maximum I can…
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County Court Debt request & personal details
I have received a county court request on behalf of Severn Trent who claimed I owe them money. (The bill has been paid in full and in fact Severn trent didnt update my house move information and are claiming money in error.) Anyway, in order to resolve this quickly as it has already been paid, I need to complete and return…
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What to do next?
hi this is my first post and i hope its in the correct place. I have recently just finished paying off a 5k loan but still have credit card debits. The debts total about 11k spread accross 5 credit cards. Now i currently have no problems making the minimum payments on these cards and currently my debt isnt increasing its…
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ccj,s HELP
i have three ccj,s from 2006 on my credit record. i did not even know i had them.All are shown as active and unpaid. what do i do pay them or leave them and will they be removed next year as its been six years? please help because im getting married next year and dont want them hanging over us!
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Debt Hardship Case for pensioner
Hello All Some advice please. My mother has had some health issues over the years (last 15 years) due death of my father and his long illness leading up to his passing way. Over this time she had numerous bank charges whilst she was looking after her children (some years ago as we are all adults now). I did submit a claim…
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Full and Final Settlement by email ?
GB debt collectors for Argos contacted me by phone few times saying they had written to me couple times none of which l received now offering full and final settlement of 40% off they confirmed this through email is this acceptable by email? thank you
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How many times are creditors allowed to call ?
Quick one... How many thimes are creditors allowed to telephone you, I have had 3 calls from LLoydsTSB Card Services today, 2 yesterday and also calls to my mobile number at strange times of the day, ie. 9.30 at night or early mornings. Is there a rule about this and if so does anybody have a template letter I can send…
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Decided to investigate Unenforceable Route
I think we've decided to say stuff it - we've paid most of our creditors huge sums of interest in the past, so if we can reduce some of our debts by the unenforcable route, then we would be a fools not to at least try. At what stage do I start writing to our creditors with the CCA request? 10/14 have been defaulted or are…
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Sinking deeper...
Hi, I am need of some advice! found this site after hearing Martin Lewis on the radio. I have been letting debts run up and feel things are now getting a bit out of control! I guess i have fallen into the trap of spending more than i have coming in. I will try to be as straight to the point as possible. I am down to my…
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My first spending diary. August 2011 :)
1st £70.66 on groceries (but that'll last me for 2 weeks prob) £35 travelcard. Necessary unfortunately! 2nd £5ish on lunch as I forgot to take my sandwich I'd made. Annoying :( £2 milk and spaghetti at local shop 3rd £3.70 on postage 4th NSD YAY YAY YAY 5th £45 on bits for the house. Naughty I know but good bargains and…
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Weekly Spend Challenge W/C 7th Aug 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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Debt collections agency
Hi all. Hoping someone can help with a few questions. Our GE Money loan was recently bought by Link Financial. Initially they informed us that we were not eligible for a montly repayment plan as we were home owners and that we were required to settle the £11,000.00 debt in full by a specific date. If we had agreed to…
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My Sunday afternoon eBay plan
I'm getting into this eBay lark!! So I'm just watching the hollyoaks omnibus and having a cup of tea but in the next break I'm going to grab 10 things and stick them on eBay for 99p each. Then hopefully this time next week I'll have made a tenner and will have the enthusiasm to do it again :)
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No Action Required Letter
Hello, I am dealing with the insolvent estate of my late brother, and have had no end of problems, but thanks to many members on here, I am getting there. However........ My brother died owing much more than he had in cash and assets etc, so Pro Rata settlements were made to all he owed money to, and all have cashed…
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My DMP experience
I have received so much help and advice on these boards that I thought I would add my own experience of setting up a DMP with Payplan. I started off with aprox £29k of unsecured debt, racked up over the years of being silly with money whilst a student and living above my means after I graduated. My lightbulb moment…
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Help :s
I have an appt with CCCS on Tues, I emailed them all on Friday offering a token payment and saying i was in financial difficulties. However I got this just now and it's making me panic! Dear **********, Your outstanding loan repayment of £387.50 due to MEM Consumer Finance Limited has now been transferred to Keyes Whitlock…
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catalogue interest and calculation(math Q)
In an effort to try and clear some debts i am trying to pay a little extra each month to the greatest effect What i was just trying to do was create a spreadsheet of my current catalogue balance and payments then create add a formula to show how my balance changes by increasing my monthly payments by £5, £10 etc But try as…
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My debt (showing my out goings)
Hi Guys, Below is my current debt Overdraft = -£500 Wonga = Loan summary Your promise date is: Thursday 18 August How much you owe today: £426.18 Total to repay: (on promise date) £470.66 Repay now Below is how much I earn & my outgoings Monthly · £240 RENT · £35 GYM · £40 PHONE BILL · £14 Hair · £40 FOOD · £50 GOING OUT…
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Does this look ok to you?
Hi, Long term poster here, I've been DF once due to savings maturing but they'll all gone now and stupidly, I didn't budget and have ended up in the same mess again. I'm determined to change so I've done a SOA. However, could you please read the next paragraph before you comment on it (I'll try not to drag on) as it…
