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Thought Hubbie was in the same place as me....obviously not :(
Feeling very depressed this morning. Was going through husband's statements last night to get them ready for the accountant and the latest one shows £75 of bank charges for paid transactions and unauthorised overdraft fees. This has knocked me for six - he always manages to incur charges most months, but usually never more…
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Desperate stupid and need more help
I've been in a DMP with SC now for nearly 3 years, I have recently and stupidly ( I hate myself) got us into more and more debt with PDL's and bad credit cards I am literally at the end of it all now and just don't know what to do, I have negotiated with most PDLS £20 a month etc but it's all too much and getting on top of…
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Hrmc
Just when i finally feel positive about the steps I have taken towards my debts the rug gets totally pulled from under me Had a letter from HMRC saying I owe them £600 from year ending 2010 as they didn't calculate my tax correctly will I ever be able to open post without fear! :(
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Advice on debt options needed!
Hi Guys, Im new to the forums here so hopefully this is in the correct place to get some advice... In spring 2013 I took out a decent ammount of debt and used the majority of my savings to invest in a business. Thankfully the business is doing well and as of the end of this season (Novemeber 2016), I will be in a position…
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Mum's in debt and Rossendales are adding charges!!!
Hi Everyone, Never posted here before but in need of some advice as I have no idea what to do. Basically, my mum is in debt to the local council for council tax arrears (not really her fault as they kept screwing up her discounts etc.). They told her that they wouldn't set up a payment plan with her unless it had gone to…
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Being a better example to our kids??
Hi All So, we are now nearing the end of our journey to a debt free future with only 7.5k remaining on one credit card. For us this is a good thing as we have had debt on top of our mortgage totalling 50k at one point in the last 10 years and we are hoping to clear this by March next year. To some degree we have tried to…
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Would bankruptcy be allowed?
My cousin claims that he is applying to go bankrupt. He owes 50K but earns over 60K and is able to meet minimum payments. He also has about 90K of equity in his house. Would bankkruptcy be granted? He seems to think that it will be an easy route of of debt but surely they will not allow this? I am slogging my guts out to…
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CCJ - Legal Fees Please Help
Good morning all, I am so close to the end of my bad credit journey I could scream. My credit report lists my CCJ balance as £954 as at end of July and since then I have paid in £860 with another £130 to go this week. All good. HOWEVER solicitors saying I actually owe £1457 as at today as well as an additional £120 for a…
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Disabled Sick & in a lot of debt!..wot next?..
What would be the best action..... Help..... Disabled and sick, not working, have live in carer Fought to keep head above water since I became ill 20 years ago Own property with £125k equity, & £50k ex northern rock mortgage....and need to move to property soon (next 10 yrs) to help with disability needs and access Finally…
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DMP after recent mortgage.
Looking for some advice really. Can I start a DMP after a recent mortgage, weeks not months. Hope you may be able to help me. Thank you
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Statute bared debt and county court claim has arrived
Hi all I did post this in another section but think this one might be better. As my title reads, could anyone please offer me some advice. I have a statute barred debt, I have received a county court claim form, stating the claim from 06/09/10 and the claim was issued on the 13/09/16 I have contacted stepchange who advised…
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Debt, dissapearence and the great plan
Hi, So this is a two part post, the blurb of how and why, and the second part of facts and action! The blurb: So, up until 2013 I was doing ok, manageable debt. Small credit card that I was paying off every month with the end in sight for clearing the two cars we own. (I'm married) So disaster hit my health and the next…
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Young and in debt :(
EDIT: Deleted
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Robinson Way debt collectors
Just got a letter from the above asking about a new address. Phoned them to point out that the debt is statute barred and had a very interesting conversation with one of the advisors that went as follows, We received a payment of £1 on the 18th of November 2015, which i take is meant to mean the debt has now reset and the…
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Advice needed...
Hello - I'm new here, so I'm sorry if this is in the wrong place. So I have neglected to sort out my council tax (my own fault 100%) and due to my anxiety, it has gone to Rosendales (I have a really bad issue with speaking to people on the phone). A bailiff attended my property when i was away with work on the 25th august,…
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Serial Spender needing help!
Hi all. I have been on here for a while and posted a few things here and there (mainly about NRAM!!) I need help. I am a serial spender!! I am constantly looking for things to buy, and if I have nothing to look for in particular, I will find something that I "need". I live with my parents (with my partner) and we are…
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Debt free or no savings
So here's my dilemma. 4 years ago I had various debts totally just under £30k. 4 years of scrimping and scraping to pay the debt off. Today I owe £1,800 on a credit card 0% for 12 months. I also have exactly £1,800 in savings. So my dilemma is do I use the £1800 to be debt free or keep my savings. I currently can only…
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Payday lender to pay £34m redress to 97,000 customers
Apologies if posted elsewhere This is CFO Lending, also trading as Payday First, Flexible First, Money Resolve, Paycfo, Payday Advance and Payday Credit. CFO Lending has agreed with the Financial Conduct Authority (FCA) to provide the amount for more than 97,000 customers. It consists of £31.9m of written-off customers’…
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Rossendale bailiff
Iv been here before and really needs some help. Rossendales knocked on my parents door today about a bus lane fine I have from the start for the years. I acknowledge that I owe £97 for the fine but Iv had not other correspondence and they have ramped it up to £407. I'm currently on long term sick from work as I have messed…
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Secured to Unsecured. Is this madness?
Around 9/10 years ago I committed an MSE cardinal sin by transferring unsecured debt to secured debt (by remortgaging and paying off all credit cards, loans etc.). This was before I was MSE and was desperate and ignorant then and didn’t know what I know now. I would definitely not go down this route if I was in this…
