-
Soa 2 people advice needed
Hi everyone. So I lost my job and was out of work for 9 weeks. No income received. I was self employed, we have savings and have survived off that. My partner has supported us through. I'm now back at work but earning a third from before. Our debts are 0% till later this year and we currently have about £1200 in the…
-
Asked DCA for CCA 3 months later
Hi, 3 months after requesting a CCA Cabot have sent me a 6 page photocopy of a CCA with my name printed at the top, but the signature box is empty, there is a little box in there that has what looks like a printed 'v' or tick in it. Is this legitimate or can I request an actual signature on some documentation to prove it's…
-
What order would you pay this debt off?
Hello all, I'm looking for some fresh eyes on our debt. I've got a couple of spreadsheets that I've been keeping and forecasting with and I think I'm going round in circles at this point. For background we have significant debt (although it's not unmanageable due to reasonably high income) because life got complicated for…
-
Letter from Lowell - some advice needed
Hi, Randomly received a letter from Lowell Porfolio and a little unsure on how to approach the situation. The letter is concerning an energy debt which occured a few years ago and apparently is in my name. I have no idea why as my husband dealt with all the household bills back then and always paid up to date etc. We've…
-
Heading Towards a Problem
Hi Everyone, Long time no post it would seem. However heading towards a problem and need some advice :) . Bit of background first: I live with my partner and have become a student (mature) studying a healthcare course. This lasts two years and will be straight back in to work in approximately 18 months. My partner works…
-
What small DFW things will you do this week - w/c 16th April?
When we start out on the DFW trail we do loads of "big stuff" that makes quite a difference to our situation. These include having our lightbulb moment, cutting up the credit cards and cancelling Sky and the gym. But once we have done the bigger stuff, we often feel that we are not making the same amount of progress, when…
-
In a pickle
Hello, I'm a mature full-time student who is on a placement year (having gone back to uni in my 30s)... During the first year I stayed in halls and the university failed at every opportunity to fix any issues with the accomodation (mould, broken lights etc) so I told them I'd not pay till they fixed it - well they let the…
-
Budget planning and envelope system
Hi guys ... I'm sooo chuffed I have managed a NSW and I have now dedicated a side cupboard to my newly organised finances :) I have made a new budget planner and an envelope planner but I could do with a little help. I am planning to use the envelope system for my groceries (separated into weekly amounts) I have a one for…
-
CCJ Set Aside
Hi all, I have recently got the great news that Lowell have agreed by Consent Order to set my judgement aside. I therefore sent all forms and £100 payment to Northampton County Court by recorded delivery on the 20th March. I called them a couple of days ago and they said it’s been received and sent to County Court Money…
-
Unable to open a bank account - Please help
Hello guys unsure if this is the wrong thread but here it goes... In 2014 I was convicted of fraud and was handed a suspended sentence and maximum community service, not only that but I was handed a £9,000 fine. I havent paid the fine but have a payment plan set up now. In early 2017 had a serious mental break down and…
-
CCJ sent to old address - want to pay off in one go
Hi, I did have another thread but this is taking the discussion down a different route - I wondered if I could get some advice. A CCJ went to my old address in January. This week I received a letter from Lowell saying that I had CCJ Arrears and to set up a payment plan to avoid enforcement. I didn't see the original CCJ as…
-
searches showing on my noddle account..
my noddle statement came through today- it says four searches by Lexisnexis Risk Solutions Insurance have been done on 11th April--- I have no idea who these are or why searches have been done, any one know about these things please?
-
Arvarto Financial Solutions / Lowell Portfolio
I received a letter from Lowell Portfolio saying they have bought a debt from EDF relating to a property I've never lived in, during a period that ends about 6 months after I moved into my current address, and is 5 - 7 years ago, so part of it would likely be statute-barred anyway. The address also doesn't exist on the…
-
Overdraft/debt advice greatly needed
Hi guys, Thanks first of all for reading and hopefully giving me some advice here. State of play: £1450 Santander arranged overdraft £750 Natwest arranged overdraft My monthly net income is roughly £1700. Rent is £600. Basically, I really need advice on the cheapest way of paying these overdrafts off, whether that is via a…
-
credit card to DCA defaults
I've been on a DMP for a while now, and my defaults will be coming off my file in a few months, and I am looking at my credit report, and have successfully disputed a date. With a different account, one of my credit cards MBNA was passed onto a DCA early on (within a couple of months after starting DMP), before being…
-
Advice needed re paying off CCJ
After some advice as above please. I have a ccj which was issued in 2016, long story short to a house I own but was not living in. Did not receive paperwork from tenant in time and so was unable to challenge it at the time despite it being a very old debt( So I fully acknowledge that this needs paying). Anyway according to…
-
Advice needed - 2 month old CCJ
Hi guys, I'm really trying my best to get back on track with my debts and improve my credit score. I'm feeling a lot better after a number of years of feeling low and struggling with some mental health issues and sadly, as I imagine happens a lot, during that period I didn't deal with my finances as I should. I wonder if…
-
MoneySaving horror stories...
As it's Friday 13th, we thought we'd ask about any MoneySaving horror stories you may have?
-
Credit Card Debt Advice
Hi All I have got 2 credit cards that have large balances, and I have recently had to take a lower paid job further away (so less salary, more petrol). I need to get this sorted as I am currently paying over £500 a month to them (which is 1/3 of my salary) and it is not making a dent. Virgin Card I have £6,978.48 on this…
-
Urgent - need advice for my son please
Son been to visit today in a state. He has 7 DDs due out tomorrow and he hasn't got enough in to cover all of them. He is at his overdraft limit. One of the payments is to the CSA, the rest are 4 credit cards, mobile phone, and Sky. What can he do, if anything? I'm worried the bank will bounce the payments and hit him with…
