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food for work
Hello all Im trying to become debt free and one quite big bill i have at the end of the month is from the sandwich shop next to where i work, they allow tabs and we pay on payday, my tab ranges from £80 to £160 a month depending on the amount of weeks between payday and the food i get. im planning on knocking this on the…
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Bank charges every single month (santander)
Hello all im new here and this is my first post. I will start by saying that i know im responsible for my own money and going into the minus is entirely my own doing but im stuck in a vicious circle of charges that mean that i have no choice but to go into the minus. one month i had £34 in my account and i spent £2.80 on…
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Getting a grip on my money!
Hello! I'm Dan, 20, father of two amazing boys and got a brilliant fiance. In the transition of building a family and getting a house I've managed to get £2500 into my overdraft. Something that I never imagined I'd do. I guess we where living above our means each month but we have now managed to even out our income and…
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Paying an old debt that hasn’t contacted you
Hi, so basically I’m trying to repay old debts that are listed on my credit report. I’m repaying other debts on my file that have contacted me to repay, but there’s an old HSBC debt of around £70 listed on the closed accounts. Now HSBC have never got in contact with me to settle this debt, how would I go about contacting…
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CCJ No Court Response
Hi all, Long story short my OH was issued a CCJ for just over £5000 about 3 weeks ago. We had previously responded to the claim with an income and expenditure form admitting the debt and proposing a payment plan however it seems this was ignored as the next thing we heard was the CCJ saying "as you didn't respond..."…
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DMP Swings
Once again due to poor commission based wages I have had to contact stepchange as missed the payment. What an absolute nightmare this is - this is my 2nd missed payment and I am so worried now that i will be removed from the DMP I have read so much that people don't start DMPs for a few months and build emergency pots I…
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DAS - going self managed
Hi everyone, So, I've also had some support on the DMP support thread, I thought this may be the best way to get some advice from people who have specifically done the same. We are in Scotland so it's a DAS we have with Gregory Pennington. We are about 4 years in and its only now I feel I can really look this in the face…
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Statute barred response letter
Hi everyone. I submitted a PROVE IT letter to ROBINSON WAY for an unclear debt I have in my name. I firstly requested all information attaining to this account. I then kept receiving payment letters and forms to fill in so they can means test me. I then sent them a statue barred letter informing them the debt is…
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Desperate to become debt free
Trying to pay off debt and I want to know if any work at home jobs are legit? Any suggestions?
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Spending too much at work!
Hi everyone, As the titles suggests, I seem to have a real problem with spending while I am at work. I either buy coffee, breakfast, lunch or snacks, and looking back at my transactions I can end up spending a fortune on this each month. I would prefer to not take my wallet to work, forcing me to use my prepaid ASDA…
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Debt urgent help
Hi - not really sure what area to post this in, so positing in a few, here goes! I need some urgent advice. I have found myself out of a job since end of October. My line of work is secretarial and is on a contract basis, and usually go from job to job, mostly 1 year + contracts so have always been fine. this is the first…
