-
Council Tax attachment of earnings!
My work received an attachment of earnings just before I left tk start a new job, I owe £800 from this year. Basically I was working part time single mum of 3 young children and struggling, I wasn't receiving any housing benefit or council tax reduction due to them 'losing' payslips and childcare costs twice. It took 6…
-
Robinson Way......letter out of the blue
Hi All, I recently received a letter from Robinson Way, claiming I owed £600 for a debt that I had no idea about. After challenging them on this, they came back to tell me that it was for a current account overdraft, that I believed I had cleared and closed over 10 years ago. After contacting the bank, I was told that a…
-
Joint finances solo debt quandary
Hi, My wife and I have had a joint bank account since we moved in together. Once we got a mortgage that was in joint names as well, and we serviced household bills fronm the joint account leaving our own accounts for our own spending. Now, chalk and cheese that we are, my wife managed to put a lot of money away, while I…
-
Debt help
Hi im philip. I am new to this forum but have reguly used the site many times for information. I was wondering if i could get some help from some experts to clear my debt. I currently have 4 payday loans, 1 catalogue debt and 2 mobile contracts. My first is paydayuk-528 on the 28th to settle Second is mrlender-208 on the…
-
Just a question about dmp?
How does a dmp charity work out who gets what amount each month. I've tried to Google answer but no such joy? I have 12 creditors with £870 going towards paying these debts each month. Total number of years is 5 and 2 months with total paid off £52,000. Do they divide £870 by 62 for each debt? So sorry if i sound…
-
Barclays refused F&F of 33% help!
Hi please can anyone help me? I got the F&F idea from here and have written to both creditors initially offering 33% from husbands Mum. They have written back today and seem to have flat declined the offer saying refer to our terms and conditions for a Settlement figure. All our debts are still in house with Barclays and…
-
Past, present and future financial self!
I often read this website as a source of motivation in my pursuit of being frugal and debt free. Excellent article yesterday about past, present and future self: http://www.mrmoneymustache.com/2014/11/11/are-you-giving-the-shaft-to-your-future-self/ Enjoy! :beer:
-
Moorcroft debt recovery
Hi I have an old T-Mobile bill for around £500 that I defaulted on back in 2012. The debt was passed to moorcroft and they kept sending letters which I ignored as I didn't have anything to pay them back. Now I've been cleaning up my file its one of the last ones to tackle. I decided not to pay them but to pay t-mobile…
-
CAB Information re-charging order on joint property
Hi all, Back from my interview at CAB. Here are the details. I owe a debt to Creation Finance to the amount of £9654.72. Drydens Fairfax Solicitors are dealing with the debt on Creation,s behalf. I have been paying into a DMP since January and am paying Drydens £34.86 per month. I have not missed ANY payment to them…
-
advice on a balance & money transfer
Hello everyone I was wondering if you could help me on what is the best way to go about these balance transfers and a money transfer as I need to sort out due to promotional rates ending. Currently have My virgin credit card 0% till Dec 2015 with £5200 available to transfer on til May 2016 Husbands virgin credit card with…
-
How do i respond ?
Hi, I have recently received a court letter saying I owe 200 odd pound to a company that as far as I am aware I have never borrowed off ? It has given me 3 options; admit all the debt, admit part of the debt or to admit none of it. do I admit none of it ? The issues I have is that I do have a lot of old debt so it could…
-
Interview at CAB
Have an appointment at CAB 11.15 this morning. I went in on Monday to ask what I need to do to prepare myself for a court hearing I have on 19th December re: a possible charge being placed on our home. I will post results of my interview later. I will do this in the hope that any information I obtain will be of use to…
-
Wednesday 12 November - 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…
-
Spouse's US Federal Student Loan
My husband is a US citizen with a federal debt of approximately £25,000. I've been told repayments will have to start next month, and the debt will never disappear until fully repaid. I believe the interest rate is at least 3.86%. Here's my quandary: I personally have sufficient funds to immediately pay it off and full,…
-
NatWest Credit Card / Moorcroft - cancelled settlement
Just over a month ago I agreed a settlement amount for my NatWest Credit Card with Moorcroft. It was for 65% (£4054 on a £6237 balance). I got them to send an offer letter, made the payment and got a payment receipt. The other day I receive a call from them saying that they were not authorised to make the offer for that…
-
What is best DMP or IVA??? Help pls
Hi, I'm new on this forum and I am really looking for some advice as to what to do for the best. I am currently in debt with a personal loan of £13.187, and 3 credit cards £2,059, £3,719 & £3,543. I have not defaulted and have no arrears. I have contacted Payplan and they have suggested an IVA, but after reading this forum…
-
Car insurance debt - seperation please help
Hi im new to this My problem is with seperation. My now EX boyfriend of 6 years had just passed his driving test, he had previous drink driving ban and no insurance where entertaining him. I have my own car (only a 2 seater) but for his sake we both put to and bought a second car just a cheap runaround, i insured this in…
-
Worried sick to the point I'm making myself ill....
Haven't even started my DMP and now I'm having sleepless nights about charging orders. I'm actually making myself ill........ I'm now debating if DMP was the correct thing to do...... One minute I'm thinking "yes" debt free in 5 years then I'm thinking what if they go for a charging order and make me sell my house......…
-
News from Payplan
Received this today (I've edited it down slightly)
-
Been arguing about a debt....
Hello... this is my first post so please be gentle with me. I had a call from my car loan people. I have been paying my loan off every month, but missed a month a while back through my own fault. During the discussion we had, I asked them how best I could repay the outstanding amount, and suggested they add £50 on to the…
