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soa
Statement of Affairs and Personal Balance Sheet Household Information Number of adults in household........... 3 Number of children in household......... 2 Number of cars owned.................... 1 Monthly Income Details Monthly income after tax................ 1801 Partners monthly income after tax....... 830…
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Council Tax Summons Tomorrow Help!!!
Hoping for some quick responses. My neice is currently preparing to go to Australia. Up until June this year she was a student sharing a house with 3 others as such they were exempt from Council Tax. They left in early July to pursue their different paths. My neice is now living with a friend and happened to be passing her…
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Sell house? to clear off debt
I'm in £60,000 debt with my husband we have 2 properties. We're thinking of selling one to move back into the other. Selling will pay off half the debt at worst or all the debt at most after solicitors and agents fees etc are taken off. Other houses have sold recently on the same street no problem. Problem is that we have…
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Newbie, My journey so far
Hi all, I have been reading the forum for approx 6 weeks now and thought I would start to join in. The forum inspired me to tackle my debts head on, I am not in as bad a situation as some folk on here, i really feel for them. I make my payments every month but its the not having much left and debt not going down much that…
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Help with debt
Hello forum, I am asking for some help and advice regarding my debt problem.The long and the short is that I owe 7,000.00 on a loan ( 22 months left to go) and a grand total of 27,000.00 on credit cards.For the last two years I have managed to keep up my repayments however I am now struggling ( every month is more…
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Pounds to pocket debt
Just wondered if anyone is in debt with pounds to pocket? I took out a loan for £1200 with them and have made 3 payments. When I took the loan out I was working but nearly 3 weeks ago, I was made redundant and can longer afford the huge payments. I have other debts and aswell as job hunting, I am currently spending my time…
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overdraft Vs Credit Card
Evening all :) On friday, i am paying off the final amount owing on my first natwest CC (APR 22.9%) :j :j:j:j:j I have then got a further £500 to put towards the first of the payments to EITHER clear the second card (APR 17.94%) and the overdraft (APR 16.9%) To date, I have been snowballing, so in theory the next debt to…
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Best cashback site for?....
Hi, I'm wondering if one of you incredibly knowledgeable people would know which cashback site would be best to use when purchasing a Nintendo 3DS, please? Father Christmas would really like to get DD one :0) Thanks Kirsty
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Credit check problems when signing up with T-Mobile
Not sure if this entirely relevant to this board but it seems like the most relevant place to post, so: I tried to start a new account with T-Mobile today, but I failed their credit check. I find this strange as I've already got a phone contract with O2, have a credit card with a £4k+ credit card limit that I pay off in…
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Q. Can you open a Credit Union Account whilst on a DMP?
Not pondered this before. A work colleague is on a DMP with CCCS with a debt of approx £14k. I'm trying to help her out and have suggested opening a Credit Union Account (for saving only!!) Even on a DMP she should be able to put "something" in it even if just a couple of quid a Month. I'm cautious the the Credit Union may…
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Verification Letter from Buchanan Clark & Wells - Advice Needed
Hi to all the good people of MSE's forums. I received a letter in the post yesterday addressed myself. My situation is that I lived in a student house for the last academic year. I did not really get on well with the people I was living with but it was the cheapest accommodation I could afford. Anyway, I made myself…
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Difference between late payment and missed payment?
Might sound obvious but...... I stupidly missed a payment on my Santander CC. It was due on the 20th. For whatever reason I've completely forgot. I've paid it today so 4 days late. My query is that as of today my account is still showing as up to date even though I know it's not. I'm guessing there's a bit of a delay on…
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confused by Credit Reference agency
hello, first off im in approximately 15K of debt. secondly i have been saving each month to offer full and final settlements. I have downloaded my credit reports from Equifax Call Credit and Credit Expert. 1. some of the debts are not listed on here although i know they exist i.e over 5 k with RBS. where have they gone? 2.…
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Help advice needed please
I have an outstanding loan and credit card debt with Lloyds bank from back in 2005 amounting to I thought about £4,000 each, I have no other debts. I have been ill over a number of years and let things overwhelm me but in 2007 with the help of CAB I at least managed to set up minimal monthly repayment arrangements to stop…
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CCJ I didn't know about - can I set aside?
Hi all, After applying for a couple of credit cards recently and getting declined I decided to pay for a £2 statutory report from Experian, which I received yesterday. I've noticed I have a CCJ on my credit file from Severn Trent for £250, which I knew absolutely nothing about. I knew I owed them money but I have been…
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Please someone help me with a familiy gambling problem...
I don't know if I'm posting in the right section and I apologise if I've done it in the wrong section of the forum. My younger brother has got a gambling problem, and its destroying our family. At the moment I really feel like I'm at breaking point, I'm not working myself and I'm trying so hard to find a job but my younger…
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spare cash
I have been an a DMP with CCCS for 1 year now i have 4 debts with 3 that have been passed onto debt collectors, and the other still with the original creditor 1. £5854 - Moorcroft (was sainsburys) 2. £4066 - SCM (TSB) 3. £3485 - Aktiv (MBUNA/Virgin) 4. £1425 - Sainsburys Within the next month or 2 i should have a spare…
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Feeling like there is no end in sight
Well the title says it all really. Sorry to have a moan but I just want to talk to others who have been in the same position as me and will hopefully understand how I'm feeling today. Bit by bit I am repaying my debts. Its going to take a hell of a long time but even the small amount I can afford to hand over helps.…
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letter from Aqua
finally recieved word from aqua today regarding my offer following my self-managed DMP, i think they've refused but the letter and how its worded has confused me a bit. can anyone translate it into simplier terms for me please? the letter says: "following an in depth review of your financial assessment and repayment offer,…
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DMP been cancelled - what do i do now??? Please Help
Been in a DMP with CCCS for a couple of years now and was going OK untill recently. Due to a lot of factors (mainly my own fault) I've had a letter today to say CCCS are closing the DMP after 1 too many missed direct debits. I understand why they have done it and accept it but I don't know what to do next. I have made the…
