-
Court summons for unpaid council tax
Hi everyone. Today I received a court summons for unpaid council tax which informs me that the council will try and apply for a liability order against me. Basically, I paid the first month of my council tax in full and then someone informed me that as I live alone I am entitled to a discount so I began paying what I…
-
New To The Forum :)
I am new to the forum just thought i would say hello and introduce myself i am a mummy of four with another one on the way due in June ... i finally decided to step up just before christmas and take control of my debt... and joined Step Change they have been amazing and at the moment we are on a temporary DMP .. which is…
-
Help! In real trouble.
Hello. If you take the time to read this thank you. Any advice would be appreciated. I will try to keep it as brief as I can. Basically I have a lot of unsecured debt that I am behind on. It all started last year after a bad break up I had a bad period of gambling and got loans out chasing. I was stupid and am currently…
-
Work from home?
Hello, I am in debt and would like to do anything I can to earn more money, I work 30+ hours a week and wanted to know if anyone knows of telephone/computer jobs I can do from home such as answering calls (maybe like a consumer line) or something along those lines? Please let me know.
-
DWP Council debts from 2008
Hello All, I am in a quandary, i was hit with 3 debts from court in 2008, long story regarding this, but not important now. The three debts were 10,000 income support, 6500 housing benefit and two for council tax of around 1500 each. i tried to appeal but was told i was out of date, i didn't know about the debt till 2010.…
-
DMP credit rating
Hi Not sure if this is in the correct place but while on a DMP is there anyway of slowly creeping your credit rating up ? cant help thinking my life now for many years is going to be a uphill challenge to obtain future credit for mortgages etc :( Thanks for any replies :money:
-
Wednesday 27thJan - 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…
-
SOA - Any advice appreciated.
Statement of Affairs and Personal Balance Sheet Household Information Number of adults in household........... 2 Number of cars owned...................... 1 Monthly Income Details Monthly income after tax................ 0 Partners monthly income after tax... 960 Benefits.....Disability...................... 521 Total…
-
My Credit Report is completely wrong!!
I have just looked at my credit report with experian and it is so wrong it's unbelieable. Firstly my score is 999. When I got the free trial last year before I applied for my mortgage it was in the 800s however it says my last report was generated in 2003! Next, NONE of my credit cards are showing up. At all. My current…
-
Should i cancel credit cards?
Hi, I have been reading this forum for the past year and at the end of the week i will technically be debt free, however i am going to wait an extra month to build up an emergency fund before i made the final payment (its on 0% until Feb 17). I just wondered what your suggestions would be re cancelling cards? Would this…
-
Paying off a debt while on DMP?
Hi, I am on a debt managment plan and have been since November. Included in my debts is a £200 overpayment from Student Finance England (this was over £1500 but have been paying for a while beforehand). I have an interview next week for a Foundation Degree starting in September which I would need to get funding through SFE…
-
yet another SOA newbie (and YNAB wannabe)
I'm trying hard to pay off all my credit card debt by Christmas 2016 - and looking for help, as I don't know how/where I can cut more. I've already decided not to take any holidays this year so no savings on that. The plan is to pay at least £500 monthly towards credit card debt, plus all work bonuses (which are not…
-
Can Bristow & Sutor dictate to the PO which a/cs allow contactless payments?
TSB offer a welcome 5% cashback if you use their Classic Plus current account debit card contactlessly (that's a new adverb:)), up to £100 of purchases each month. So, I thought, I'll use it at the Post Office's contactless readers to pay a collection account (max £30). I tried to use it (for the first time) at the Post…
-
IVA Refused twice- :( Im at witts end now
Hi All, Im really starting to worry and panic loads now. Fist off we are in debt of around £55k credit cards, 2 loans, and other bits Plus £3k behind on our mortgage. We were advised by our mortgage company about Payplan so we went with them, sorted everything out, but the IVA got refused because, we have a Loan out with…
-
SOA so ready to start - advice please:)
Household Information Number of adults in household........... 2 Number of children in household......... 2 Number of cars owned.................... CONTRACT HIRE Monthly Income Details Monthly income after tax................ 2000 Partners monthly income after tax....... 3000 Benefits................................ 0…
-
Is my debt a lost cause!?
Hi everyone, Firstly I'm sorry if this is in the wrong part of the forum. My name is Grant and I'm in serious debt related trouble. I have scoured the internet for information and advice but I still don't know what I can do, who can work with me to put this right and I am getting seriously depressed and scared now. I have…
-
CCJ - 6 Years Today.
Hi all, I had a CCJ applied to my account on 26/01/2010 for £3922. So it is now officially six years today. Will this now automatically disappear from my credit report? Noddle don't have an update for me for about 18 more days but I am just trying to find out if I am finally free from having a CCJ or is there something I…
-
SOA request from creditor
I received an SOA request from a credit card company that I owe about £8500 to. Is it worth me responding? I can easily show that my income is minimal and my outgoings are huge but wondered what that will achieve? They will still want their money back. I haven't yet defaulted but have missed a few payments. I was planning…
-
urgent help needed to deal with dca doorstep visits
Hi I'm hoping someone can help me, I have been staying with my bf for a short time, due to ill health. I've been off my work since May 20 14, I got ssp then claimed esa contribution, I got it for 13 weeks, they stopped my money atol assessment. I tried to appeal over the phone, it was rejected. so up to that point I had a…
-
SOA - please help!! I want to start today!
Would really appreciate some help!! Is there another way to save the SOA to help it easier to read!!! Husband actually sat down to do this which was a surprise - he claims we are wasting time looking at this and need to get our heads down and get some more work done. But it's ridiculous - 90K net spent in a year!!!!!!! We…
