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What little things do you do to pay off debt/save
I am really trying to get my debt paid off. I am currently out of work so already on a tight budget and finding it hard to find the money to pay it off. I just wondered what others do, how do you manage to find the extra to start paying off debts or save? I am currently - doing online surveys - using vouchers and putting…
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Council tax debt
Hi there, I am hoping someone can help me with a bit of advice. I have a fair amount of council tax debt that I want to pay off so it does not get worse and worse. I am not sure exactly how much is outstanding , there are various amounts over various tax years left to pay of. Will each year be a separate debt or will it…
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CCJ Set aside
I got a CCJ registered against me over 2 years ago when living in Spain. I notified the car finance company but they didn't up date their records. Is there anyway I can get this set aside? I settled it not knowing how difficult it would be to get a mortgage and thinking there was nothing I could do because it had been 5…
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Where do we start?
My wife and I have decided that we need to clear our debts and live the life that we want to live. We checked wife's Expieran report online, she has £5500 of debt, I cannot check mines at the moment, it appears I had it before so cannot get my "free trial" so need to wait till I get some money to access my report. But we…
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Divorce, negative equity and bankruptcy?
Hi I am currently in the early stages of a divorce (petition not served) and the 'family home' which is in a joint mortgage is approx £60k in negative equity. I have moved out but still pay my half of the interest only mortgage. My wife does not want to live there long term with our daughter and she would not be able to…
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AP on Credit reports
Hi everyone, I had a Goldfish credit card and in January 2004 I became ill, lost my job and as a result entered into an agreement to pay a reduced sum each month with interest frozen. By December 2005 it was clear that I would never be well enough to work again and that I had no way of returning to making the full payments…
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anyone sold to webuybooks.co.uk
I am having a clearout and selling items to pay off some debt. Have sorted music, DVD and games (music magpie), and stumbled across a website that does the same with books. Anyone used these, any reviews? Its www.webuybooks.co.uk
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Need some advice
Hi all I have a HUGE amount of debt and we were basically struggling to pay the bills each month, started using payday loans just to avoid defaults and getting more and more in debt. I managed to get a job, it's not very good money but we have a small child who comes along so it's the best I can do (no-one to babysit,…
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Wonga Acknowledgement
I took out a loan with Wonga 4-5 of years ago when I was on jobseekers and could not afford to repay the loan. I now have a job and could afford to repay the loan but after talking with my parents they told me that my debt could be statute barred as it has been so long and they have not tried to contact me to reclaim the…
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Negative Equity & still move up?
Hi, Im new to the forum so Hi everyone first of all and thanks in advance if you can add anything to this. I recently got my property valued and an up to date balance on my mortgage. The difference is around -£15k if Im being realistic on what I can sell my home for. I have seen another property which is reduced to sell…
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Should I keep my Natwest Silver Account (£10/m)??
Dilemma... I'm looking at cutting back my spending, so obviously one thing I'm looking at is my fee-paying bank account. It used to be £8 a month, but was increased a few months ago to £10 with no extra benefits added. Of the benefits offered, I use the following: - 5x mp3 downloads a month (I buy music regularly, so these…
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Rent not taken
Hi Apologies if this post is in the wrong place I pay £20 a week towards my rent and have been doing since January 2013 this is because my housing association said I need to be a month ahead in my rent. I am currently on full housing benefit. The direct debit for the £20 is and has been taken regularly since I moved in, in…
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In a Mess
I'm after some advice on behalf of my sister. She is in a bit of a pickle with money at the moment. One of the main problems is that her current account with the TSB has a £900 overdraft, which she is living in. The TSB have been continuing to make payments out of the account putting it £600 over the £900 authorised…
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What's my next step?
I'm in disbelief about this, but after 6 long year's I have no defaults or nasties left on my credit file!! :-) I thought this day would never come :-) Experian has my up-to-date, well managed current account and Credit Expert shows the same, but CE is indicating a negative factor against me because I have no recent…
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IDEM Servicing Default Notices - Advice Please
Hello I have a DMP with Stepchange, & have about 4 1/2 years left at my current payments, & have never failed to make any payments. One of my debts was a MBNA credit card, which in common with others, has been transferred to IDEM Servicing, & this is where my problem started. When the debt was transferred, MBNA were…
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Debt collectors advantis !!!
I received this letter today can anyone help me i am worried but my sister says to ignore it and not to worry but being a person with depression i cant help but worry, here is what the letter says:- MISS ???????????????????? (their address) (current address) our ref Dear Miss ???????????????????? Advantis provide…
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please can someone help??
Hi, apologies if this is not the right place but my husband has in the past serious debt problems prior to our marriage that led him to become mentally unwell. When we met I arranged payment plans with welcome finance to which he has paid for over 12 years,never missing a payment and is finally on the road to recovery.…
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Balance Sheet
Hi as advised by one of our replies we have attached our "statement of affairs" detail below If you anyone could advise on how to reduce or monthly debt and to happily progress our family forward, and to save what was once a happy family / marriage !! [tt]Statement of Affairs and Personal Balance Sheet Household…
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credit card agreement
hi need advise about a credit card capitalone ....i have complained to capitalone saying they have charged me interest on new transactions as well as old transactions so they are looking into this and said they will get back to me ...i was a bit concerned about this so i asked for my credit agreement to be sent to me ,they…
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May need to miss next dmp payment worried?
Hi to all you lovely people, just after some advice. Have been on dmp with step change for last 14 months everything going well, all creditors have frozen interest, so finally feel am making some headway with our debt :) However this month my car has developed some issues with oil and coolant leak and don't have much of an…
