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Needing help with a payment dispute - desperate!
Hello, Hopefully someone here will be able to help me! A while back, I was looking to make a family tree. I started a few trials to see which website would be best to use. I thought I had cancelled all the trials in time, however there was one website I had forgotten about. I had put my paypal information in, but it…
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LLoyds rejected DMP offer
Hi, Wondering if someone can help as Payplan are taking an age to answer email queries at the moment. I've logged into my Payplan system and all my creditors apart from Lloyds have accepted my offered payments via Payplan on a DMP. When I spoke to Lloyds a few weeks ago they informed me they were passing this account to…
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need advice
When I took out Sky I got an amazing cashback deal so I thought it would be affordable....it's now gone up to the "normal price" it's costing me £70 per month for the family bundle, talk evenings and hd and unlimited broadband. I just can't afford this - I want to scrap the HD altogether, downgrade the broadband and tv to…
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Tuesday 9th Feb - 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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Debt Management Plan - Abbey Solicitors
I have a DMP and have been approached by Abbey Solicitors who will take over the plan for the same monthly payment with a view to gaining write offs for mis-sold loans/credit cards or where the debt has been passed to debt collection agencies: 1. Has anyone had any experience of solicitors gaining write offs of mis-sold…
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DMP. Here I go again
I got the pack for my DMP today. My second attempt. Starting at £33 a month. How times have changed - last time I was paying over £1,000. It only lasted 6 months though. Maybe this will be easier to stick to. I remember feeling this low and as much as a loser last time too.
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Moving house?
I am on a DMP with stepchange, a year in with just under 8 years to go, joint with husband. Currently own a house worth around 125k with a mortgage of 104k. For various reasons to do with the neighbours it is a living hell being here. We want to move, and given our credit rating and DMP, we want to downsize to save money.…
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debt help or advice
Hi Everyone I had a bad fall at home back in March last year and reluctantly had to go part time due to constant discomfort from hips and knees,in the job I am doing. I live in a park home,and although my outgoings are modest,still have to be paid for Now doing so my salary has had taken a dive of course,my salary is going…
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Payment to wrong account
I did some seasonal work before Christmas, for the same company as the previous year, and the company paid me into the same account as before, despite me stating on the invoice that my bank details had changed. The account it has been paid into has an overdraft debt, which I currently sorting out with other debts as a DMP,…
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I have £14000 debt with hmrc dating back 10 or so years. Can I write it off need help
I have got £14000 debt with hmrc can I write it it off and how please help
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CCJs and charging orders
Hi, To cut a very long and sorry story short my partner and I are experiencing difficulties due to a car that was HP in joint names with his ex wife. Upon their separation they agreed she would keep the car and continue the repayments while he forked out for another one (essential for work and for collecting and dropping…
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Old HSBC student overdraft debt now with Robinson Way
Hi all - I'm new to the forum so I hope I have posted this in the correct place. While at university I took out a second student overdraft of £700 with HSBC to supliment my already large NatWest overdraft of £2000. I basically took on the account, withdrew the money and ignored the account. Stupid now I look back on it!…
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DMP, Mortgages, selling and general confusion.
I don't think this is a request for help (yet) but think it may be a cathartic moment as I try to get my head round what is happening. Although any input will be appreciated (!) 18 months ago I lost my well paid job and managed to dodge along on the redundancy payment plus casual work for a year plus wife's salary.…
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F & F Settlement Figure
Good morning all, Looking for some advice. Have many debts and may be in a position to pay off one small debt per month. I wonder what a reasonable F&F settlement figure is. The debts I am looking at are for £110 and £156. Many thanks in anticipation of your help.
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Scottish universty fees "owed" been over 5 years is it barred?
Had a issue when doing a part time course in 2010, I left after 1st day as jobcentre refused to let me do it (they assumed I was doing unpaid work and not at university) and as such cancelled it in first week. Problem that occured was I applied for a fee waiver, and this was not processed because by the time they got round…
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S.O.A Any Help Much Appreciated!
Okay, so i'm new to the forums but have been an avid MSE follower for a couple of years now, the site has been great and has managed to get me through 4 years of university debt free (apart from student loan) with 2 children and a partner! Yippee! However i'm now stuck searching for graduate employement and in the meantime…
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Monday 8th February - 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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ccj advice.
Hi guys, I am after some advice regarding an old ccj, ill start by telling you a bit of how i come to receive one. I worked for a company and when i left them i received a letter demanding money for damage to tools that were on the van, i wrote back saying i hadnt damaged anything and didnt hear anything back, this was in…
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Please rip my S.O.A apart
Statement of Affairs and Personal Balance Sheet Household Information Number of adults in household........... 2 Number of children in household......... 2 Number of cars owned.................... 2 Monthly Income Details Monthly income after tax................ 1551 Partners monthly income after tax....... 1140…
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old nursery debt
I am trying to sort my debts out and have taken the advice that it is fine to contact people in writing. If i ring i fall to pieces, cry and the stress and anxiety it brings on is awful. I am not trying to get out of paying. When DD2 finished nursery i was in arrears and agreed to pay it off in manageable payments.…
