-
Car Credit after DMP?
Hi all, I'm hoping for some advice in regards to obtaining car credit after completing a DMP. The plan will be complete as of next month but does that mean I've still got 6 years to go before I'd qualify for car finance from a main dealership?? Any help/advice would be appreciated.
-
Monthly debt collection letters! Help
About 8 years ago i took a loan out for a family member (no longer speaking with) of approx £900.00. I was under the impression it was being paid and paid off but i only found out it hadn't 3 years later when i tried to buy a TV on finance and was rejected. I had defaulted on the loan which i was very angry about. Anyway i…
-
What's the cost snowball alternative
Hi Is there another app or something similar to the snowball? I've created my own snowball but can't update any transactions, new payments or add interest. I've emailed them but no response. Do you guys use anything else that I could look at? Many thanks
-
hmrc
Anyone else had letters from hmrc go missing? Don't know if it's a Royal Mail or hmrc issue. It was a new tax code letter that I should have received in the 1st week of December. Just wondering if anyone else has had this problem - would then point to an hmrc issue.
-
again, again
After nearly 20 years I have decided it is time to learn to live within my means. Myself and 2nd husband brought our home last year an apart from a small mortgage were debt free (excluding car on HP) in May 2016. Now have approx £15000 in debt via loan, 2 credit cards and overdraft - Aaaaaaarrrrgggghhh!!! I have followed a…
-
collection agency, Old default account
hi everyone, I recently received a letter from Lowell regarding the debt I have to Vanquis credit card. The default date according to Experian reference agency is 29/03/2013. I did not contact Lowell or Vanquis I received this right after I checked my credit file. On that letter I was offered a 50% discount, I have no…
-
Need extra income.....
Managing debts quite well but only paying £100 a month will take 4 years to clear the almost £4800. How can I make an extra £300 a month to clear it sooner? Can't take on another job. Looking at surveys, matched betting etc? Your expertise would be helpful. Thank you
-
New Year's Eve 2016 - Staying in or going out?
Currently deciding whether to go out tomorrow for NYE or save my pennies and stay in. I've not been out for the previous few NYEs'. I still have Christmas booze leftover and some nibbles. I eyed up a Salsa party by the river in London, that one has sold out. What do you all have planned? Have a nice one! :D
-
HMRC self assesment nightmare...
Hi ladies , gents Sorry I couldnt seem to post in citizens advice so I didn't know where to post but . . . in mid 2016 I have started to get letters from the hmrc saying that I owe tax from previous years and that I am going to face penalties. in 2012 my employer at the time has claimed some sort of tax relif twice and…
-
Help with HCE
Hi all, I posted on another thread and dacouch said I may find help on here for HCE specifically. Please read the post here: https://forums.moneysavingexpert.com/discussion/comment/71840622#Comment_71840622 It is about a personal injury claim that went to court. The problem I have is HCE keeps saying William Hill PLC do…
-
Advice on debt management or DMP
Hi I am new to posting on a forum so please bear with me. My husband and I owe money to 11 different lenders, including 2 loans. credit cards, Next, Very and overdrafts. We are just making the minimum payments on each debt and not defaulting on any debt or other bill. We have looked into a DMP with Stepchange but I have a…
-
Can you help me?
Hey guys, Just wondering if I can post my outgoings and incomings on here for you to evaluate where I can cut costs etc? The reason I am asking is because I am not in any debt, however I am going on maternity leave in July and I worry if I do not save now I will soon be in debt. If it would be okay to post on here, does…
-
Bad credit loan to consolidate payday loans
Hi Folks, Over the last few months I've fallen into somewhat of a payday loan cycle, that I'm very concerned about getting out of. I earn ok money (£20,000 a year), am full-time employed by a company which I've been with for about 2 years and 3 months, pay relatively low rent (about £500 a month) and don't have many…
-
21 and in debt
Hi, I'm new to this Over the past few years and being very social, I have spent quite a bit on holidays and generally going outwith my friends and girlfriend. Last year to pay for a last minute holiday I took out a payday loan, only about £100. Soon this built up, I was paying back more and borrowing more, etc etc. I took…
-
NEED New Boiler, Cant Get Credit - HELP
Im Desperate now, cannot get a loan for a new Boiler and it needs replacing, been condemned. Have tried everything. I work but earn too much, I have bad debts so all income goes to paying bills and mortgage and debts, actually most debts are gone its just my credit score is so low. Tried loans for bad credit, have no one I…
-
Should I pay of the mortgage.
This is my first post after reading the forum for a couple of months. My OH is being made redundant in the new year he will get approx 98000, because of his age he will be able to claim his work pension so no rush to get another job that's if anyone will employ him at his age. My question is we have a mortgage of approx…
-
Looking for advice (& a lottery win?..)
Hi everyone, I must admit first of all that I've been lurking through this board for around a month now. In total awe of some of the feats that I've read so with that in mind have decided it's really time I take control of my finances. Mine is the usual story - You take out two credit cards when you're young because "its…
-
Round and round we go
Hello would just like a little bit of advice Currently debts are £40k my income is £1525 net and my partners was £2k but now he is self employed the income can widely vary this month his take home is £1,400 We are managing to pay off £700 a month towards the debt which is the minimum payments plus a bit but the interest is…
-
Help needed
In May this year I was sent a county court claim from 'Howard Cohen & co. Solicitors' acting on behalf of 'Hoist Portfolio' who are acting on behalf of 'Barclaycard'. I sent the defence part back with the Statute barred letter, because I believe that this letter is over 6 years old. I also sent them a letter for a SAR…
-
Ex Partner Ran up debts from friends address
I am posting this on behalf of a 61 year old lady who is at her wits end. Her ex partner stole her identity & run up debts whilst living with her. Hes scarpered & now shes getting debt collectors at her door. Shes contacted the police, victim support etc. Told debt collectors of his new address but they still keep calling…
