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Help! My outgoings are more than my income
I'm wondering if anyone can help me. I'm single and work full-time for the local council and my income is probably below average (£20,000) but that is not too low. I took a 10% pay cut a year ago and since then have been struggling every month. I rarely spend on luxuries and I feel I ought to be able to live a modest…
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Lots of debts, can i get them cancelled?
One way or another i have built up a lot of debt with about 8 creditors, for the past 4 years i have been paying them token sums slowly ( about 10 pounds etcetra) All are in various DCA's etcetra.. I have not gone down the route of SAR etcetra but i think i want to give it a try as im sure at least 4 of the debts i took…
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I feel as though im being harassed by bailiffs! - parking ticket
Please please can anybody give me some advise? I got a parking ticket which i objected to and lost. I was asked to pay 155.00. I received a letter from a collection agency in September asking me to pay 375.04! I rang them and explained i am a lone parent and had lost my job. They asked be to pay 60.00 a month which i…
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Why can't i make end meet?
Statement of Affairs and Personal Balance Sheet Household Information Number of adults in household........... 2 Number of children in household......... 1 Number of cars owned.................... 1 Monthly Income Details Monthly income after tax................ 1212.41 Partners monthly income after tax....... 0…
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The future of debt advice...
...is in the hands of the Money Advice Service I can't find a direct link to their press release so here's one to the report in Credit Today. http://www.credittoday.co.uk/article/13500/online-news/money-advice-service-reveals-new-debt-tackling-measures and to a pdf booklet 'A better deal for everyone' Here's hoping...
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getting out of a debt management plan
Hello, im new on here and wanted to know if anyone could help me? A few years ago, i entered into a debt management plan with Gregory Pennington as i was unable to cope with my creditors and the amounts i was being asked for. The management fee with them is around £30 a month which at the time i was happy to pay just to…
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advice needed please
Hi I was clearing out some old junk when i found a cheque for a insurance claim for a stolen bike which is made out to halfords .the cheque is dated 1999 and for cgu who are now aviva .can i get this cheque replaced or is it now to long ? regards james
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Loan/Card - help!!
Due to the cost of living rising so much this year and pay freezes we have overspent as a family and are needing to address our debts ASAP. Here are are outgoings on debts: Loan £20500 - £380 a month ( car and a caravan) Overdrafts £1900 (£80 a month) Credit Card £6200 (£min payment £ 70 a month) I just don't know where is…
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Capquest chasing a very old debt from 2000
Capquest Chasing an old debt from 2000 In 2000 I defaulted on a loan from The royal bank of Scotland which eventually got passed on to Capquest. They chased me way back then and I agreed tp pay so much a month top pay the debt off. Then around 2006 I noticed the default was dropped from my credit file. I was advised that…
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Thursday 23 February - 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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DMP Affect re-mortgage?
Hi There Can anyone offer any advice....if I took out a dmp with CCCS (which is looking like a v.likely option at this stage) do you know if it will make it harder when we come to re-mortgage? Has anyone been through this? Its the only thing putting me off going for it..... loug
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How do you stay positive?
I'm slowly loosing the will to live with my debts and as of today i still have £5886.88 left to pay until i'm debt free. I did have my LBM back in January 2011 and have been chipping away at the debts. I work full time and come home with just over £1100 a month and although i'm greatful for my job i really wish i could…
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PayPlan v CCCS - You decide!
Well, we've had advice from both of the above lovely charaties over the past few days. Thye've both been so helpful. I just wanted to know, from your own personal experiences, how you have found the above people. It doesnt fuss me who we go with but I just wanted an independent opinion as I hadnt come across either of the…
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Credit rating help
Hi All I apologise if this is a thread that has been done before I have done a search and cant find anything. Anyway I have quite a large amount of debt but have not defaulted, although have a few missed payments on CC-, stupid errors paying too little (in the single £'s or online sending the payment to wrong bill (doh)…
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What does 'Satisfied' mean on a credit report (Noddle)?
Hi, I've just had another look at my credit history on Noddle and one of my old 'accounts' which I defaulted on just over 5 years ago and haven't touched since (stopped paying them due to circumstances at the time) is now displayed as 'Satisfied' and is listed under Closed Accounts. When I checked a couple of years ago,…
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Ace Gifts
Cleared today, did an up to date statement...now owe £2,684 on everything. Next is Monument cc
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Caught in the Wonga Loop
Hi, I'm caught in the Wonga loop and need to find away out. Each month I'm borrowing about £400-£500 to pay of last months loan. I'm paying off my overdraft from University and have the usual utilies to pay off, rent, council tax etc. I need get a load that I can pay off over a few months to help to sort myself out but I…
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Repaying wonga ....
I have been stupid enough to take out a payday loan and I have learned my lesson well and truly so please no lectures, I just need advice. I actually feel ashamed, embarassed and dirty would be a good word to use too. Now I owe £1130 on the due date but I only get paid £990. I could get the £1130 if I add my salary to the…
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Get debt free and buy a house, help?!
Hi All, I am currently renting with my partner and we are moving out at the end of Feb to go back to her parents to save to buy a house. I am in debt at the moment (Small debt to some) but i need to get out of it. I owe £800 to FPC for Vodafone. £300 to Capital one on a credit card and £800 to clear my overdraft with…
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Advice please
Hi I am looking for some advice for my son and I know this is the best place to come. He entered into a DMP 4 years ago with a company who charges him ( yeah we know about payplan etc but they told him he didn't have enough debt!) Now he is in a situation where he could clear the existing debt but when talking to the…
