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Council Tax - Student Exemption
Hi All, For the last 4 years I've been a mature full time student at uni, and been enjoying full exemption from Council tax at 2 properties in 2 different areas, 1 I own and 1 I rent. I am the sole occupier of both. The only issue I've had up until now, was last summer (2017) my uni was slow with getting out our exemption…
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Worse at night time?
Hello, Newbie here, and I'm wondering if there are any words of advice please? I owe 28k in credit card debt. I have been paying the three creditors £1 per month each for 10 years. I am on a low income and receive working tax credits. I lodge with family and have no partner or children. One of my debts has just been sold…
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Getting myself back on track
Hi there, I’ve made mistakes in the past but my situation has improved over the past couple of years and having recently found out about some of the consequences of past me, I’m trading to get myself financially sorted. I have an account on my profile that is reported as defaulted with a default date of 27.06.2012 Is my…
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Need some advice - SOA - Selling home to pay off debt?
Hi We're in a bit of a pickle and hoping someone can help! Situation Our monthly outgoings on mortgage and debts are very high. I live in my overdraft and can't escape. To make ends meet, we live with my partners parents and try to make money from airbnb'ing our house (haven't listed in SOA as sporadic) whilst it's on the…
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Am i putting family and mum at risk?
Hi, my mum recently spoke about transferring the ownership of her home to us, her 4 children. She is 75 now and wants things to be sorted in case anything happens to her. I have a voluntary debt agreement where i pay around a total of £200 per month to 4 different companies who i owe money to. My job is secure, as secure…
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Attachment of earnings order
Hi, So following on from previous thread, went to court for oral examination and submitted all of our documents. We told and proved we could not afford to pay any more than token payment offer of £75 per month. Claimant rejeceted, was his usual bullying, abrupt self, and judge did not seem to take kindly to some of his…
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please cast an eye over my soa
hi there, my fiance and i have bought a house and move next month. We have always have separate soas but have compiled a joint one. any other suggestions? many thanks Statement of Affairs and Personal Balance Sheet Household Information Number of adults in household........... 2 Number of children in household.........…
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looking for advice as a newbie
hi there ive never posted here before but was looking for some advice if thats ok. I currently live in my boyfriends housing association house, for the last 4 years. I have now bought my own place for us to live in, in my name only, after we realised how much we would save on rent and be more secure in our own place. Can't…
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Recent ADHD diagnosis - any support
very rude___________
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What Do You Do Every Day?
I have been trying to keep a hold on my finances, have as many no spend days as possible, and stop buying things unnecessarily. I have found that checking the balance of my current account is helping me focus. This made me wonder, what small (but important) things do you do every day to keep you focussed? I have also been…
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Question re: Brighthouse and returning item
Hi folks, looking for some help re brighthouse. My mum recently took out an agreement with brighthouse for a laptop. Having found out I explained to her about how much she is actually paying to Brighthouse compared to buying it outright elsewhere. She says she was told that she can return it at any time and she would not…
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debt free from either a buy to let mortgage or right to buy mortgage
Hi i'm really hitting a brick wall here and i'm hoping somebody can help or at least point me in the right direction, Me and my partner are looking to be debt free we require are 25k so we thought that a secured loan or money gained through a re-mortgage would be the answer how wrong we were!! Can anbody tell me how we can…
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CRS debt collector chasing for gym debt that's not mine
Hi all Can anyone help / advise? CRS are chasing me for £400ish for a gym debt. Not only do I not live in the county where this gym is, but I've never even stepped in a gym! (I'm also a member of Slimming World groups online, unsurprisingly). I've responded to a few emails and they insist I'm the person they're chasing.…
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Full and Final Settlement and Credit Report
Hello I am on a DMP, have been for some time but trying hard to save any surplus cash to pay off debt. We have approx £29k to pay off and I have read a lot about full and final settlement and that if a creditor accepts, there is a good chance it will be marked as partially settled on a credit file and will last for 6…
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moriarty law mmf court action
firstly may i give a little background. around 6 years ago i was going through divorce and finances took a turn for the worse leading me into using payday loans (stupid i know) now i'll be honest and say i ignored these and hoped they would go away. on the 22-march i was issued with a cc claim on the 23-march i sent…
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Made redundant help wanted
Hi, Can anyone offer any advice with the following...... I have recently taken out a 10k loan to consolidate other loans....I have been robbing Peter to pay Paul for 2 years, daughter is getting married so have helped with that. I am now in a situation where I owe £35k unsecured debt and feel as though I am…
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An Update... On a det free wannabe
Firslty I would like to show you what I wrote on 14th April 2017 in a previous post: ''I am 23 years old and in approx £7,000 worth of debt. Funny enough I always was so good with money... until I got my first student overdraft and got my first ever credit card.... £3,000 is overdraft, £700 on credit card, £2,600 in…
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Sent a blank credit agreement as a true copy, allegedly
Hello We recently sent off the letter from National Debtline to request credit agreements from Intrum (previously 1st credit) and they have immediately responded by sending a printout of a credit agreement bearing the original lender name and terms but basically blank They have done this with the two accounts we hold which…
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Lowell log in issues?
Anyone who has an online account with Lowell can you let me know if you are having issues logging in. The website loads but when I go to the log in page and enter my details the hamster in the wheel just sits there spinning and not getting anywhere. Tried to clear my cache and tried on a different platform and still not…
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post a friends SOA?
am I allowed to post a friend of mines SOA. She is very internet/computer anxious so I said I would do it for her. She has seen the huge difference it has made to my budget and I'm constantly encouraging her to take charge and get that lightbulb moment. Thanks everyone.
