-
wrongfully served a high court writ....can I sue
I have had help previously off here on this matter but now I want to find out if theres anything I can do. Here goes.... I was served a high court writ form 55 at my home, as it turns out they got the wrong person (same name) totally different perdon and when creditor has done the trace they made what they called a…
-
Advice Please
Hi everyone I really need some advice on how to save I need to find a system that suits me but I find it difficult due to the way we get paid. We are both students so get 3 payments a year of around £6,000 between us. then we are also self employed and earn around £40 a day profit. We also have a lodger that pays us £50 a…
-
Been thrown a lifeline!
We have been advised bankruptcy due to a drop in wages, but my OH Mum has offered to lend us £15000 to try and sort us out :) great news! But we owe £32000. I've been reading about full and final settlements, if we were to offer a fair amount to each creditor, what would happen if only a few creditors accepted, can we pay…
-
Make £10 a day - August 2013 - everybody most welcome at any time
:hello: and welcome to all newbies and regulars. This is the 72nd month of this challenge, which was first started by Batgirl, in September 2007 Thanks to Batgirl for starting it, Nat21luv, Monkeynut, Sweetpeas, Purpleroses, JesaRose and MizMir for keeping the thread going. I know this first post is long, but please read…
-
Newbie Help - Mackenzie Hall letter with Ref Numbers!
Hi All I'm new posting on here but have used a lot of your advice from the forums in the past and its worked well. Now however, i'm a little stuck and need some help!! In my younger days, I racked up a lot of debt (about 17-18k by the time I was 20, i'm now 27 and the remaining debts come to the 6 year mark next august so…
-
StepChange - Can you tell me about it?
Hello, I am in a bad financial situation at the moment and found out about StepChange online. My mother was diagnosed with cancer last summer and as she lives abroad I reduced my days at work from 5 to 4, meaning I had more time to visit her at weekends BUT less income and more expenses. I took out payday loans, borrowed…
-
CCJ and expenditure help
Hello, everyone, we currently have a CCJ (probably the first of many unfortunately) with Tesco via Shoosmiths solicitors. We filled in an expenditure form and an offer of monthly repayments (they refused a full and final settlement offer of 30%) and the court agreed with our assessment that myself and my wife could only…
-
What happens if you agree to pay at a discount?
What are the implications if you are behind on a loan agreement and you are offered 25% off the loan if you settle up totally? What are the implications on your credit file? I owe barclays a few grand and they will accept 25% to close the loan on which i am behind on. How does this get settled on my credit file? For…
-
Please help me sort my debt out!
Hello, i am currently in debt and need some help paying it off. Im only 20 and live at home, so you will probably think its hard to see how i have got in this situation! I currently owe £2650 on a natwest CC, 140 on a barclaycard CC and 1000 OD with halifax. Below is my SOA Monthly Income Details[/b] Monthly income after…
-
Separate account for everyday living ?
Hi I'm new to this and want some advice. I have recently consolidated my debts to a loan and this has freed up extra cash on a monthly basis. I am giving myself a £200 monthly budget for food household items etc. in addition I am giving myself a slush fund of £200 for going out, clothes ( don't want to be too hard with…
-
ebay and Transcom
Dear Forum members, I've had a look through posts in the forum, however, haven't found anything that can answer my question - I'll set the background and then give you my question, and hopefully somebody can help me :) In April I sold a product on ebay, and I had 17 pounds worth of sellers fees. Then I moved to Germany for…
-
My SOA
Here we go folks, my SOA It is a bit of a mess, at the moment I am making 0 pounds payments to my creditors each months as it is a negative shortfall, the montly required outgoing is due to my Payday loans and overdrafts all having gone way past due and being demanded in full immediately. I can get that monthly expense to…
-
using credit card to pay overdraft?
Hi Is it a good idea to pay off an overdraft ( mine is 2K) using a 0% credit card. I have a money transfer offer. Has anyone else done this?
-
debt repayment pans?
Hello.. I am a newbie and have spent all morning reading through these forums but I havent seen anyone who may have had a similar issue to me to ask for advise.. my issue with debt started shortly after I was 19 and in full time employment.. I got offered credit here there and everywhere.. Stupidly I took it.. I had 12…
-
My soa
Statement of Affairs and Personal Balance Sheet Monthly Income Details Income from Employment (after tax). . . . . . . . . . . . . . . . . . . . . . . 1,613.82 Income from Self Employment (before tax). . . . . . . . . . . . . . . . . . . . 0.00 State Pension . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .…
-
Had my lightbulb moment
I used to come on MSE a long time ago but can't seem to login so created a new account hence the newby status! I have decided I can no longer keep burying my head and waiting for people to knock on the door. My debts are not particularly huge but in the dark of night they are massive scary monsters. So I am hoping someone…
-
Cheapest way to pay off overdraft?
I have a 1400 overdraft with Lloyds tsb and was wondering about the cheapest way to pay it off. My earnings are 1360, and so each payday I start off at about -£40 overdrawn, then the rest of my bills/savings etc go out within the first week, leaving me pretty much maxing-out the overdraft for the remainder of the month.…
-
Letter from Advantis re outstanding balance to Capquest - who I've never heard of.
Hi, I've just picked up my post and received a letter from Advantis Credit Limited regarding an outstanding balance that has been transferred to them from Capquest Debt Recovery Limited, who I've never heard of, and to the best of my knowledge, based on never having heard of, don't owe any money. The balance in question is…
-
offering debt collectors a settlement
Hi, ive been in bed for almost 6 years now, ive decided its time to stop ignoring the letters from debt collectors and finally clear the cloud that constantly hangs ver me. My debt in total amounts to £7676 (made up of 4 different debts) - loans and credit cards If i were to pay off the debts in a lump sum would i get a…
-
Wednesday 31st July - 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…
