-
SOA Please Help
Statement of Affairs and Personal Balance Sheet Household Information Number of adults in household........... 3 Number of children in household......... Number of cars owned.................... Monthly Income Details Monthly income after tax................ 1425.58 Partners monthly income after tax....... 1705.25 Total…
-
Debts from mental illness?
I'm 23 years old and living with my husband to be. I'm a college student (starting nursing next year hopefully) and he works part time because he has physical disabilities from birth. Over the last two years I've racked up about £6000 of debt from impulse spending while hypomanic and manic from my bipolar disorder. I'm…
-
Is my father-in-law responsible for his mentally ill wife's debts?
My mother-in-law has suffered with mental health problems for many years. She goes up and down, sometimes having spells where she goes AWOL and spends vast amounts of money. My father-in-law has his own bank account which she can't access, but my husband and I worry that when she gets through all her own money she will…
-
County Court Defense Reply ?
Hope this is in right section , please feel free to move if incorrect :) Advice required for a Defence reply to a CC claim brought by Cabot Financial in the Northampton CC Business Centre. Cabot have brought a claim for a debt which was assigned to them 29/09/2005. I have had no contact either verbally or by offering…
-
Help please
Hi, i defaulted on a credit card back in 2003 and unknown to me HFC turned my credit card account into a 10 year loan on 0% paying back £9 a month..all with a new account number (found this out on a statement they sent out 2 years ago..which i then stopped paying). HFC then sent my file to a debt agency saying i had…
-
Friends and family loan nightmare
Late last year I borrowed a sum of money from a friend of mine when I had fallen on some hard times. There was nothing written at that time but we did have a loose verbal agreement that I would repay the loan when I was back on my feet financially. So I commenced repaying by instalments. However, I recently received a…
-
Barclaycard reduced interest - just ask!
Trying to sort out my debts - one of which is over £6k on my Bcard. Just called them to ask if they could lower the interest rate and they did - just like that! They've decreased it from 19.9% to 6.9% on the current balance, although its still 19.9% on further purchases - however as I'm trying to decrease my debt I won't…
-
Do your parents know?
Since posting on here I am able to be much more open about my debts. Despite this I am not able to tell my parents that I am in a lot of debt. They probably think that I owe a few grand but have absolutely no idea of the extent of it. It's strange that as a 33 year old adult, parent and school teacher I find it impossible…
-
Debt free date
How do you guys work out your debt free date. Is it by deducting monthly payments over the debt total or not ? How about debts with interest? Or additional pay,sent? Just wondering as I'm trying to calculate mine, may use snowball technique to start with :)
-
Payplan - Website down?
It seems that the website has been down for a while now - I couldn't log in yesterday either. Anyone else having problems?
-
A Robinson Way Question
Hi all, I have read numerous threads about the wonderful company that is Robinson Way. Just wondering if one of you wonderful forumites could point me in the right direction. A couple of weeks ago letter no. 1 turned up from them addressed to my wife saying they had been given our address and she should contact them.…
-
Tuesday 21st October - 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…
-
Still crazy after all these years
Some would be really pleased to be in my shoes now, but after being so long in so much debt, things are getting easier now and I don't know how to move forward. I'm in my forties. Until I was thirty my life was pretty usual - school, college, job, marriage, mortgage, child etc. I divorced in my thirties with some debt, and…
-
A quick thank you.....
Hi all, I just wanted to say a huge thank you to everyone on the debt wannabe forum! This morning, I paid off my last interest charging credit card thanks to the advice that you guys have posted here :) don't get me wrong, I am by no means out of debt yet but the amount of debt I owe has gone from £18,000 in July of this…
-
Stepchange is not paying my creditors!?!?
Hello everyone I have just entered into a DMP with stepchange, paying £86 per month, I have three non-priority debts (officially NP, quite important to me!!) totalling around 1500 and my debt free date is April 2016. I know this may not seem like a huge amount of debt but I made some bad financial decisions last year and…
-
All doing our best!
I have gained so much positivity from this site and it's great to see that so many of us are doing our very best to reach a debt free future. When I first posted I was 40K ish in debt and whilst I could afford to pay, the shame and worry was dragging me down. Reading other peoples stories on here has made such a difference…
-
drydenfairfax collecting for northenrock mortgage arrears
Hi all, This is my first post, so like others before me sorry if I have posted on the wrong page ! Anyway I am looking for advice regarding drydenfairfax, I had a mortgage with northenrock from 2004-2008 . I bought a dump of a flat in desperation after a breakup and after 4 years of nitemare neighbours had enough and put…
-
DMP advice pleaseI I
I have about £20k debt. I have been looking at a DMP with step change. I have debts with Halifax and Lloydds, as I need to open a new bank account, which would be better Barclays or Cooperative. thanks
-
Thinking about next steps...
Changed my mind!
-
money saving tips
what have you found in your daily living that helps cut a few pence every time you shop,buy, survive etc some one the other day said weigh your banana's and buy them that way as they work out cheaper so iv started doing that anymore ? :money:
