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Wife Not Sticking To The Plan!
I need some help/advice. Here's the situation. My wife and I both have our own bank accounts, plus a house account. I've got a wage coming in from a shop job, it's enough to keep going month to month. Previously, we were both working full-time, and putting £500/month each into the house account for rent, bills, food, etc.…
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Income tax query
Guys I couldn't find a section for this so would be grateful if anyone can help. I do not understand income tax and the tax office just confuse me more. Anyway I will explain... Point 1) In Jan 2011 in worked for Company A and was given a company car. I barely did any business miles in this due to the role being a bit of a…
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help payday loan taking money from bank
can somebody advise please. I have been on an upward climb over last year or so but had urgent bill and as no longer have credit cards took decision to get payday loan. paid it back and then got another - I know I know. Problem was that my partner then became ill and couldnt work for a month. she is a contract worker so…
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Payday tomorrow
and it will be the first official day to our new debt free life :beer: Small things have changed over the last week (since i had my LBM) we have decided to take the cash out of the bank for groceries every week instead of paying by card, also giving hubby the calculator to take with him :D
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Should I pay off my car loan with a 0% interest credit card?
Hello, wondering if I could get some opinions/advice I borrowed £6190 at 12.7% APR in September 2010 on a 48 month term. I am hoping to pay this off very quickly so that I no longer owe any money. I have £1500 savings and the settlement fee is £3900 so I need £2400. So I was thinking of getting an 0% interest credit card…
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Debt-free wannabe newbie checking in for advice
Hi everybody I'm new here so bare with me as I explain my particular situation. I've been trying to deal with debt since I left University and while I've always just about managed to deal with the payments I've never actually cleared any debt and its gradually gotten worse as result. Worse still I hid my problem from my…
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Certificate of Satisfaction
Hi I've finally cleared one of my CCJs and have received a letter to that effect. It also asserts that to have my credit file marked as settled, I must obtain this Certificate of Satisfaction at a cost to myself of £15.00. Is there any way around this? Obviously I'm a little miffed as I have already paid all of the court…
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Bailiff help
Had a visit today from a bailiff regarding unpaid council tax. I wasn't in so he left a letter. This was all news to me as as far as I was concerned I didn't owe any money to the council! Anyway phoned him saying there was a mistake. Naturally he didn't believe me and started banging on about giving me 24 hours to pay up…
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HMRC Cumbernauld
Anyone know the address for the above? i've done a google search and can't find it anywhere (I think i'm looking in the right place):( Going to send off for my rebate of £365 (this will pay off my next card if i get it) :j:j
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Threatened with Legal Proceedings
Hi, I have a Co-op bank debt of 6,500 and have missed 2 payments and now they are threatening legal procedings. I am making full payments again and paying £20 extra above the contractual monthly payment. Is this not heavy handed from them? I'm making every effort to repay the debt and its a real struggle as I'm…
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In overdraft when bank closes my account, What rights do I have? where do I stand?
Ive recently got a letter from my bank and they said they are closing my personal bank account. I am in my overdraft and I can not simply pay it back right away. Is the debt enforceable and would it effect my credit rating? What rights do the bank have to make me repay some or all of it? or any of it? and can the interest…
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My Debt Journey So Far... Debt Free Wannabe
Moved to correct forum
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stuffed by the council
Any help from any leagle beagles would be much appreciated..... 4 years ago my buissness went belly up causing massive debts and me ending up loosing my house, Myself, pregnant wife and two young children ended up in a homeless hostle awaiting council accomadation. At the time i was out of work as i had a knee operation…
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Paying off car
I didn't know what section to put this in as it crosses a few forums... I have a car on finance which I am paying off each month. I am not in debt and can comfortably make the payments. I want to get myself on the property ladder, but based on the car payments I believe I wont be able to borrow as much as I think, because…
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Credit File Default Registered different time
Hi I'm currently with Payplan on a DMP, due to end next year. My account with Halifax has been sold to BLS Collections. Halifax have registered a default on my account but the date they have registered it is over a year since i defaulted. I understand defaults stay on credit file for 6 years from when they were registered…
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Insurance payout gone to wrong account
We were recently burgled and have home insurance cover with Sainsbury’s bank. We have a monthly direct debit which comes out of our Barclays account which we have had for five years. When we first set up the policy we had a Lloyds bank account. We are on a debt management plan as we owed money on the Lloyds account along…
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Managed to stick to the plan :) Getting there!
Morning all, I've just been reading the last post i put up on Debt Free Wannabe forum 2 months ago (copied below) and pleased to say i've managed to stick to continuing paying off the CCs and slashing the debt :) This has been the tighest month as I paid as much as i could leaving myself with a massive £3.31 now until next…
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Meritforce Ltd letter.
Hi all. This is possibly the best place I have found for some advice so I was hoping for a little more, if possible. I've received a letter from the above company on behalf of Mackenzie Hall saying they will be paying a visit within the next 10 days unless I contact MH. I've read a lot of posts here and on other forums…
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Thursday 24th May - What small DFW things will you do 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. :money: But once we have done the bigger stuff, we often feel that we are not making the same amount of…
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wonga
hi i am about to set up a payment plan with wonga I have set up a new bank acount with lloyds . but i'm currently with halifax Cause their related banks can wonga take money from my new lloyds account ? Many thanks
