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Cost order classsified as CCJ?
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I'm in so much debt and so, so ashamed :-(
After paying off my debts a few years back I've got myself into such a mess again. I don't know where to turn and feel so stupid and ashamed. I can't admit this to anyone, I tell people I'm doing ok financially but it won't be long before I'm unable to meet my repayments. I can't believe I've let myself get into such a…
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Moorcroft Debt Recovery
I was wondering how many of you have had dealings with Moorcroft and what the chances are of me getting a CCJ from them? I stopped paying this credit card in 2010 (can't even remember who it was with now) I think it was when a relationship broke down, I moved house, had to get a new bank account because we only had a joint…
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MoneyBarn forced default notice...
I’m looking for some advice regarding a forced default notice and possible contract termination on a car finance agreement with MoneyBarn ltd. In November 2015 I purchased a car on credit worth £9,900 with a total repayment value, including interest, of £16,000. I agreed to pay £290.50 per month, as well as a £600 deposit…
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Bankrupcy threat 1st credit
Hi all, I have received a letter this am threatening me with bankruptcy proceedings from 1st credit. I have been posting on here for a while & have requested CCA from all my creditors. 1st Credit have not produced the agreement can they carry out their threat? thanks
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DMP and PIP payment
Hi. I've started the process of setting up a debt management plan with Step Change. Someone on another forum told me I wasn't obliged to include my monthly Personal Independence Payment in my "income". I also read it on the National Debtline website. Is this true? I would be grateful for any advice anyone has on the…
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Wednesday 24th 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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Advice please?
Need some desperate help here. I recently encountered an unfortunate situation and I had to pay off a sizable amount of money to rectify the issue, which left me with insufficient cash flows to operate my business and repay my loans in the short term. Given my circumstance, the banks are not keen to provide me with any…
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Need help and advice :(
Hi all, Been lurking here for a while and have decided this is good place for honest advice and opinion on my sorry situation. My wife and I separated a while back but it has caused us both financial difficulty. I now live separately in private rented accommodation and she is currently in our former matrimonial home. We…
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Making payments to IVA practitioner for 10 years.
Hi Everyone, I'm looking for your thoughts and guidance, 10 years ago, we got ourselves in a complete financial mess. We panicked, looked on the internet and ended up with an IVA. We paid the agreed payments for a year or so, and then due to redundancy we had to lower the repayments. This was agreed by our IVA…
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What should I do????
Hi, Please can I have some advice from all you money savvy experts. I've been lurking in the wings for a while and have finally taken the plunge to say HELP- what should I do ????. I am a single parent and my son is in full time education with one more year to go after this one. In a nutshell I have been diagnosed with a…
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DMP - Homeowner Loan
Hi all I just wondered if you are 'allowed' to get your own homeowner loan in order to pay off your DMP??? Payplan have suggested that I remortgage to offer full and final settlements through Reach Finance .......but I wondered if I could go it alone and seek out a homeowner loan myself in order to offer full and final??…
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Dlc Statute Barred??
Just wondering if anyone can offer any help or advice. I have just received 13 statements from DLC regarding a debt they bought from Argos card services back in 2009 all dated 18/02/2016. Through one thing and another (mainly mh issues) I failed to make payments on this account and have not heard from them for over 18…
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Student Financial Support Help
Hello, I wondered if anyone had any experience of parental student financial support. My husband and I earn £75,000 between us but have a tiny disposable income because we are struggling to pay off £250,00 mortgage and £120,000 unsecured debts from a failed business we had a few years ago. We have 3 daughters who have done…
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Dilemma
Should I aim to break down small things, like clear a 1000 > balance on my credit cards, or go hell for leather and aim to pay off my big MBNA which is 225 a month, but it's interest free? Or should I string that for as long as I can so that I'm not paying interest on the other stuff, like Opus CC which is about 30 a…
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Negotiating with creditors
Hi, first post on this board but wondered if anyone could offer advice. We have debts of around £30k and have around £16k available to clear our debts (or as much as possible) we are currently in debt management plan and have been for a about 6 years and it just seems to be increasing. We have £16k to clear our debt, what…
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Would love to know how much others buddget for gifts each year on their SOA? Help
I tried to add it all up and came up with a figure of £150 per month. This was queried so I have tried to justify it to myself here. I am really trying to get to grips with my debts and if people think this is really daft then I would love to know I would love to know what other parents/aunts uncles etc do? I don't really…
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Usenext and debt collection
I signed up for a trial of there services at the end of 2014. A couple of days later I sent an email to cancel and cancelled the Paypal order. A few weeks later I got an email saying unable to debit my account please check your details are up to date (they where). Then 9 months later I started getting emails saying we have…
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Tuesday 23rd 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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Cancelling Unnecessary Direct Debits
Hi, I had my lbm a few days ago, have been lurking since then. Currently going through my soa.and cancelling all unnecessary direct debits. I'm paying 14.99 for experian. I don't plan on applying for any credit in the next 18 months absolute minimum, so do I need this? Or is it still a good idea to know what my score is? I…
