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County Court Claim Made By Lowell (old O2)
Hello all. I received a County Court claim from Lowell yesterday for an old O2 account. I have registered for MCOL and stated that I intend to defend the claim but not exactly sure what do write / do next.....can anyone help Thanks xx te of claim - 19/06/2016 Particulars of claim - The defendant entered into an agreement…
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Really Unsure and Worried..Banksmart
I have been with Bank smart for a number of years and have received about £70 throughout this time. Due to financial circumstances I needed to collate my finances and join an IVA company to help me consolidate my debt. After a year of being with the IVA company I received a call from them to say I could only be with their…
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Help, being made to pay partners debts.
Hi there I'm just after some advice. Ive been with my boyfriend for two years now, moved into a rented house and had a baby. We do not have a shared account, not married and no legal financial ties that I know of, although we are on the tenancy together. I am the sole earner, he does not work and has no savings. I have…
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SOA please help
Statement of Affairs and Personal Balance Sheet Household Information Number of adults in household........... 2 Number of children in household......... 1 Number of cars owned.................... 2 Monthly Income Details Monthly income after tax................ 1687.23 Partners monthly income after tax....... 0…
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Wednesday 22nd June - 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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Interest on Debt whilst on a DMP
Hi, ok so I've been on a DMP for about 18 month and not missed a payment. I am now down to 1 creditor with about a £14k balance. All my creditors (4) stopped interest including this one but as my salary has increased my monthly DMP payment is now £970 per month. I'm slightly concerned that now this creditor sees all my DMP…
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Help with defaults?
Hello, I wonder if someone can help me. I'm usually a lurker but finding ithe difficult to find the answer to my own question. I have signed up with Noddle for free credit reports. I have had a look at it really closely and I'm wordering what happens to my defaults. Here is an example of what's on my credit report; Account…
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Resilience from betrayal
Hi newbie here under some very challenging circumstances and this year really is not being kind in fact it’s been outright horrible as my life has been in total free fall. I’m sure there will be light at the end of the tunnel as I always believe that you need to keep positive no matter how hard it gets. Any way couple of…
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Introduction
Hello to all i was a member on here a long time ago and cannot remember any log in details but no matter as i have rejoined under a new name I have come a very long way since my last time here and have paid off over 50% of my debts My g/f has now moved in and so my household bills have halved which has freed up a lot of…
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YNAB advice ...
So I have started using YNAB, and I confused about whether I am applying rule four. I get paid every four weeks rather than monthly. I am living off the money I am paid in the previous month, ie the money I am paid in June is what I will live on in July. Am I doing it right - should I be living off that in August?
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Tuesday 21st June - What Small Debt Free Wannabe 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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Tuesday 21st June - What Small Debt Free Wannabe 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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Help with paying CCJ's and Defaults?
Hi all, First post so here goes. I am desperately trying to improve my credit file and finally become debt free. I was aware that I had a few defaults dating back to 2010/2011. Through poor choices I chose to ignore them and hope that within 6 years they would drop off of my credit file..... Bad choice! As now that I am…
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SOA - (this may get long, apologies in advance!)
Okay, please be gentle. I am looking for advice on my SOA if anyone is kind enough to do so! We are in a reasonably complicated situation, the mortgage is not for us but for the house family live in. We need to move them as the area is no longer suitable, and to top it off other family members are also in trouble living…
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going back to 2006 could be the answer
I have been thinking about our debt and how we should approach repayment. This made me think back to 2006 when we had just moved into our house. At that point our joint take home pay was just over 2K per month. We paid the mortgage, bills and had enough for a few luxuries and a summer holiday. Fast forward 10 years and our…
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I need help.
Hi all, new to the forum and just looking for advice on where to start! My current situation is: 27 - Living back at home with parents with my girlfriend. Work full time and bring home £310 per week after tax. Things are getting harder between my girlfriend and I - she want us to move out but I can't even contemplate this…
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Which card first??
Hi there, I wonder if you could provide me with some advice in respect of paying off my credit cards. I have 4 credit cards (3 are at 0% interest and were used to balance transfer from another card. They are also fairly new into the agreements so not about to run out and the remaining card is charging interest and has a…
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LCS Utility Investigation
New to this but need some help. We moved into our new house on the 6th Feb 2016. We have just received a letter from LCS as below. " Utility Investigation We are currently conducting an investigation into the utility supply at XXXXXXXX. In order to help progress with the investigation we would greatly appreciate you…
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Loan just after finance
Hi all, I'm new here so I hope this is the right place to post this. I have just applied and been accepted for car finance (PCP). Everything has gone through and I have signed all the documents, however I don't pick up the car until a week tomorrow. I need a loan to cover an unexpected amount that has popped up - I will…
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:) Monday 20th June - What Small Debt Free Wannabe 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…
