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'How to cope' book for newly single man - suggestions please
A friend of ours has recently split up with his partner of 16 years. Before living with her he was still at home with his mum who did everything for him. His partner also did everything for him, so now he's on his own he has no idea at all of how to budget - either money or his time - and despite a good salary, is…
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Credit history restored?
Hi All, long term reader, first time poster! To jump straight in, following a redundancy and a period spent out of work between 2009/2010, I buried my head in the sand and hoped I would get a new job/find a pot of gold at the end of the garden. Luckily I eventually found work. During this time I managed to almost keep my…
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Clearing credit card debts tips?
I have two credit cards and i'm trying to pay them off as soon as possible - going to make an overpayment of £680 off one later this evening !!! :) ))) as you can see i'm very happy about this - this is an overpayment so I'm well pleased at saving that amount to use for paying it off the card (£3300) but I also have…
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Need to get things of my chest, and get back on track
Hi there :) I hope some one will take the time to read this post and comment, and I apologise for how long it probably will be! My partner and I have been having some difficulties recently, at the end of January of this year (2012) we had to leave our rented home after being there since July 09, after a small arguement…
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Student Loan - Scotcall
Hi I've been really stupid in head buried in the sand type way. Student loan co were ringing me all the time about my debt, then they referred it to someone else & they rang daily & left messages, now I've had a letter saying it's been referred to Scotcall and they are threatening that balifs might come round. Am in no…
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Dropping out of pension temporarily to put money towards debts?
Hello. Sorry for the rubbish username I am awful of trying to pick something good for new forums! Basically I was thinking about the possibility of my husband and myself dropping out of our company pension schemes for a while to put the money towards debt repayments instead. I have reduced all our outgoing as much as…
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Previous tenant with lots of debt!
Hello, This is my first post here, so I hope I am in the right place! I moved into my current rented property in December last year. Throughout the last six months we have recieved a constant stream of letters for the previous tenant, i'll call her Miss G. I have never opened any of these letters, just returning them with…
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Starting Again
Hi, I've moved out from my husband and it looks like it will be a pretty permament split. I'm not sure how to do a budget, my mortgage is on holiday at the moment (it is in credit) so I have an extra £250 but I don't know what the other bills will cost, should I guess? He's not working full time at the moment so doesn't…
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Struggling to be able to afford to pay off mortgage balance
Hi I'm just after some advice on my situation and would really appreciate any. Currently I'm single and live with my teenage son in a mortgaged flat which was purchased off the council 5 years ago on the right to buy scheme. I have adverse credit for defaults and unsecured debt for approx £12,500 which is curently paid…
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Barclay Loan Debt
Hi All, I need some advise. Many years ago I got into alot of debt but since then I have been reducing my creditors and now only have barlcay loan that I owe £3850. I wrote to barclays offering them £800 as a full and final settlement, I've since had a reply rejecting the offer but they would accept £1,097.00 as a full and…
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Credit record clear, want to settle the debt
My credit record has had all the debts removed as the defaults were more than 6 years ago. I want to settle the debts, to avoid them harassing me/doing searches etc. If I make a full and final payment, will this then appear on my credit file as a settled account, and stay there for another 6 years? or because it has…
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Credit Card payment plans
What is the difference between Payplan and Consumer Credit Counciling Service and which is the best.
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Amount of disposable income expected for offer of repayment?
Morning all, I am in the process of completing a N245 form to vary a court order which is repaid through my wages. It is currently set at £100 per calender month although this month they took £160! I have spoken to CAPS who confirmed it should def still been no more than £100 and am awaiting payroll to contact me, dont…
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My sof ...
Statement of Affairs and Personal Balance Sheet Household Information Number of adults in household........... 2 Number of children in household......... 0 Number of cars owned.................... 2 Monthly Income Details Monthly income after tax................ 1205 Partners monthly income after tax....... 1476…
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Getting there...
Morning guys Well another month and another £200 paid of my debt :T - we're getting there slowly but surely. I remember somone on here quoting something about eating elephants in small bits - so very true. And I also managed to finish the month in credit (that's two months in a row!) - I can't believe the buzz I get from…
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how do i get a credit check without a credit card?
hi all can anyone help me as i'm trying to get a credit check done online so i can see what i owe but i don't have a bank card or credit card? thanks brett
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Catalogue Fraud - Catalogue demanding repayment
Morning all, Bit of help needed for a friend at the school gate. She has just been speaking about one of her daughter for the purpose of the thread we will call her Daughter H. H has just come back into the family, She has had a very troubled past and the family has been through more then enough. Thing were going fine even…
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Full and Final Settlement
Hi, i am new to this site and am hoping someone can help. I have recently spilt with my husband and he has moved out into a rented property. He is not prepared to pay in any way towards bills, upkeep or mortgage of the former marital home. He pays £240 in maintenance for our daughter and nothing else. As a result i cannot…
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marriage and debt advice please
Dear All I am 29 years old, divorced and in debt. I'm trying to get my debts paid off and hope to have cleared most of it by the end of 2012. My ex is still on my mortgage with me and there is no real hope of getting him off it as I need to be on a salary of nearly 40k to take it on alone. He is quite relaxed about the…
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Tuesday 29th 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. But once we have done the bigger stuff, we often feel that we are not making the same amount of progress, when…
