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Needing Advice - I think so anyway.
Good Morning All I'm currently in debt by around 16K. I meet the minimum payments normally, but I tend to borrow from one to pay another. Or draw money from our business as my wages (from employment) will not cover it. The business is in okay shape, but my drawing on it is impacting because sometimes it cannot cover it's…
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Help Please
I'm in a tricky spot and hope one of you lovely people can help me.... Cutting a long story short : * DMP for 6 years with Churchwood - payments started at £300, now increased to £460 (54.99 fee) * Churchwood "changing business direction" - passed my plan to Money Plus Group *MPG have advised due to my income , I can now…
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Cash Genie redress
If anyone had issues with Cash Genie like I described in a previous thread - aggressive phone calls to work, bleeding bank account dry etc. - they ARE paying redress! Mine went into the bank on Friday. Definitely worth a prod if you've ever had a loan with them! HBS x
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Monday 7th September - 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…
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Tesco Bank - What are they entitled to know?
In the past Tesco Bank agreed to a reduced payment which I have maintained uninterrupted for over a year. The other day, I received a letter from them requesting a financial statement - which I have no problem supplying - but are they entitled (?) to the know the following or just being overly nosey: * Partner's Income *…
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Help with HMRC issue please
Hi, 2 years ago HMRC wrote to me saying I had a tax rebate of £1100. They said they were going to send me a cheque. The cheque never came so I asked them what happenned. They said the cheque had been cashed. I didn't cash it! So I had to do a police report and HMRC said they would pass it onto their fraud department. Now…
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Advice on Barclays account closure
Hi, My wife has 2 accounts 1 barclays current (£300 od) and 1 barclaycard (£3,0000. She was made unemployed a few months ago so we wrote to Barclays to say she is unemployed and couldn't meet her repayments at the moment and offered token payments of £1. They have now said that they are terminating her accounts. So far…
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Help! Business Rate Debt - Terrified
Hello Everyone, I have received two letters from Jacobs Enforcements Agents for Business Rate debts to my personal address. I explained to the council I was on the brink of bankruptcy, had no money etc but to no avail. I have not contacted Jacobs as yet. It says I have until tomorrow to pay. I have absolutely no money. I…
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Best place to sell books
Afternoon Declutterng house ready for new furniture and it's evident I need to get rid of some books! Most of them are novel types, some are my old law textbooks. Just wondering where is the best place to sell, as I know there are a few sites which take books, but don't want to go via the wrong ones...ideally would like as…
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Negative Equity Advice - IVA?
My wife & I have had a house on interest only mortgage for about 8 years. The mortgage is £180k the value approx £130k. I also have £10,900 owed to HMRC in tax and am self employed. They aren't actively pursuing it but are likely to soon and I want it paid off. I may pay that on a 0% card if I can. We have no other debts…
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Save for maternity leave, or pay off 0% debt?
Hi. I have £4,000 on a 0% CC until March 2017. In the next few months, I should have the money to clear this. However, it's likely (fingers crossed, all being well) that I'll be starting maternity leave mid-next year. So now I have the quandry of whether to pay off the CC, or save the money to cover the drop in income…
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Not sure where to start...
Hi all I would be really grateful of any advice, we have so much debt and are finding it a struggle to pay each month. I have cut back groceries etc to a bare minimum and cancelled unnecessary subscriptions. The things that are left are on contract (we have 5 mobiles on contract, for me, husband and 3 teenagers). I am in…
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My monthly outgoings - please take a look
Hi I intend to post a full SOA shortly, but all the info isn't at my disposal at the moment. However I am determined to take the bull by the horns and reduce my outgoings though, so I wondered if any fresh eyes could take a look at my bills and identify where I might be able to reduce anything. This doesn't include my…
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Nearly there!!
I've just had an omg moment and realised I have almost paid off everything! I've just made a £2,000 payment to my MBNA card which has left it at £1,751.60 left to pay. I am waiting on 2 PPI settlement cheques totalling £5,500 which will almost wipe out my Lloyds one, I will have also freed up nearly £900 in monthly…
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Should I make a payment
i have 2k that I have just been paid out for Santander PPI they have told me they have sent out another offer letter for 2.7k for a loan I had with them. My question is should I pay the 2k off my MBNA card now or wait till I have the 2.7k so I can pay the full balance off? I'm hoping I will have all the money before my…
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Full & Final Settlement Advice
Hi, We recently negotiated a Full & Final settlement offer with our creditor. We received their written confirmation today and I want to make sure there is nothing in the letter that would cause us problem in the future and we'd really appreciate your advice. Our creditor is called Arrow Global and their external agents…
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6 year old overdraft demand
Hello all. The long story short is that I had multiple student accounts while I was at uni. This goes back to 2008. Time has went by and after getting on my feet again, I applied for a barclaycard. I behaved myself and had my limit upped a few months ago. The next thing I know, I have two council tax demands (which I am…
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Can't join Noddle
Has anyone else had problems joining Noddle? I have tried on a few different occasions over the past 6 months and have never been successful. I know that all the information I'm inputting is correct, so it's pretty frustrating. The message comes up at the end saying that they are unable to verify who I am. Would I need to…
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Acceptable debt
I apologise if this is in the wrong place (please move it if that's the case) I posted on 22 Aug that I am nearly debt free.... I will be left with 3 X Credit Cards - payments up to date and balance less than £500 2 X Car loans - Payments up to date and one with less than 10 months to go. 2 X Loan (from original DMP) With…
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Needing some sensible advice
Hi all, I'm hoping you will be able to give me some unbiased advice. In June I found out my boyfriend had £3k more on credit cards than i knew about which meant our total debt is £8k (£2.5k is mine). Prior to this we had got engaged and started planning and put down deposits on wedding using money give to us by my dad. To…
