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Newbie seeking help
Hi all, I'm new here and looking for advice and support on clearing my outstanding debts. I got into problems with payday loans a couple of years ago after splitting up with my partner. It was a tough time and I stupidly ignored the repayment notices and now I have several defaults on my credit file. Some of these are due…
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Drowning in my Own Stupid Mistakes
Hi all. From the day I turned 18 I have had a terrible relationship with spending and money. At the age of 27 I'm now desperately wanting to get married, have a mortgage and a baby. But none of those things come cheap! I have a wide variety of debts now, old and new, amounting to approx £10,000. My credit score is…
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Strategy for tackling debts ?
I'm trying to get debt free and have cleared a few so far and now I'm down to the last few and I'm not sure the best way to tackle them. The debts are £6500 loan that has around £4600 to pay. £3500 loan for car finance. £850 credit card. I have a £1000 to put towards one of them right now and am able to save up a bit extra…
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Light at the end of the tunnel
Hi all. It's been a while since I posted and I guess I'm just posting as I've got a lot on my mind at the moment. A few years ago I tried to support my retired parents look after my nephews following my brother's marriage falling apart, their pension isn't great and they were left to look after 2 little boys sometimes for…
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Advice on SOA & a few questions please
Hi, below is our SOA if you have any helpful suggestions I'd much appreciate it! Income £2726.24 (includes child benefit) Debt repayments (in order we plan to clear them) £88 min payment for credit card £133.19 car loan £40 overdraft fees £13 overdraft 2 fees £300 loan (family) Bills Mobile phones: £38.50 (mine is due for…
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Newbie looking for direction
Hi After a seperation, flat move and a generous bout of mental health issues I have found myself in £30k debt. Everything in life is now healthy and balanced, but now it's time to clear up the mess I find myself in. I have talked to stepchange and they recommended going down the IVA route but i'am worried I will lose any…
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Bailiff letter but no other letters, not even for a court hearing!
Hi all, My thing is, yesterday I received a letter from the county courts to say that because I have not paid the county court the amount owed, the bailiffs will be attending our home to take possession of goods. I, nor my husband have a clue what this is about, we moved to our new bungalow, ( I am now severely disabled…
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Zinc Group & Lowell
Hi people, I have a debt on my DMP which was originally with Argos as a store card, shortly after setting up my DMP and argos adding on their last bit of interest, they sold the debt to a company called Zinc Group, they both wrote to me at the time to inform me and shortly after a default added. In the last month, this…
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MSE News: Debt management firms could be neglecting customers through...
The financial watchdog has raised concerns that debt management companies are not carrying out thorough annual reviews – meaning some customers are not benefiting from repayment plans appropriate to their financial situation...Read the full story: 'Debt management firms could be neglecting customers through lack of…
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Think I need a loan to sort my debts, would like some advice
I've just had a higher-than-expected tax bil, and it looks like I will need to take out a loan to cover it as I doubt any payment plan that will satisfy the revenue would allow me to pay next year, or really do much of anything. I'm new to contracting and never heard of payment on account before. They want about £12,000 by…
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Amazon Prime
I've just gone onto online banking to transfer money over to another account and have found that Amazon have taken £79 for their 'prime' service. I'm pretty annoyed about it, I've never signed up for it so have no idea why they've suddenly taken this money. The last thing I bought from Amazon was a pair of trainers that…
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Remortgage to reduce debts
Hi MSE world, I am currently thinking about remortgaging, my current deal comes to an end at the beginning of March and my house has gained about £20k in value, although this is still to be confirmed by my / a lender but similar properties nearby have sold for the price I am assuming. I want to use the money to use the…
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CCJ - when does it come off file?
Hi all, Do CCJs drop off your file 6 years from date of issue or date of settlement? Thank you! HBS x
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Credit Card deals
Hi all I have the following amounts on cards: CC1: £2128 CC2: £2200 CC3: £3538 Total = £7866 :( I'm not clearing it as much as quickly as I would like too! I know some are on 0% deals but haven't kept the paperwork - is it easy to just contact the lenders to find out what the deals are? Or is there a way to see it on…
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Council Tax & housing questions. Help
Just wondering if anyone knows the answers: 1. I paid my council tax in full up-till the end tenancy date. Now, lets say the band for house I rented was increase for council tax, a few months after I end my tenancy. However, am I still liable to pay for the increase in council tax even though I have left the property? If…
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Anyone know how to make big money
Im really fed up. I just want my debt to go away, ive been working so hard to pay it back but its taking forever and i dont have a life. I feel like i may as well not exist anymore if this is all this life has to offer. I know its my own stupid fault among other things, but boy its really tough. I dont think i can carry on…
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unpaid tuition fees
So I've found out I have a CCJ from unpaid university tuition fees! after a lot of phoning around it would seem my mother didn't fill in the necessary paperwork for my first year (though she repeatedly told me she had :/ ) so Student finance didn't pay the university, now I'm in debt! I completed my course hence why I…
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9 practical tips for cutting your household expenses
Brilliant read - We all want to save on our household bills and have more money in our pocket for the fun things in life. While bills are an unavoidable fact of life, here are some ways you can help to reduce them: http://www.scotlanddebt.co.uk/articles/cost-of-living/9-practical-tips-cutting-household-expenses-3635
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How do you minimise car servicing costs?
We need to cut back massively to get on top of things. I've gone through everything, made a budget, changed gas/elec/ phone/ broadband/ insurance etc. The big expense which really stands out is cars. We live in the countryside and both need our cars for work. They are 5-7 years old. We've tried to take them to local…
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Provident loan and DMP
'm wondering if you can help? I'm on a DMP with Stepchange but had some car problems and took out an emergency loan with provident. As they are doorstep collectors I'm worried as do I add them to my DMP? I'm struggling financially and just a bit worried.
