-
Equita - What to do now?
Hi all, Apologies if this is posted in the wrong spot. I hope someone can give me some advice – any and all is appreciated. I owed £500 in council tax arrears – it was long overdue, but as most, I tried to bury my head in the sand. So, the debt was eventually passed on to Equita and they slapped me with a £75 compliance…
-
Sell up and rent - thoughts?
Hi, I’ve just signed up this evening so please be gentle. I’m 46, married and with two children aged 10 and 7. I was an only child, and when my father passed away five years ago I inherited his £200,000 house and around £400,000 in cars and cash. Previous to this I had no savings and no assets, and had just about covered…
-
N61
Hi all, what happens if there is an N61 served to an old address, but I don't live in the country anymore. Thanks.
-
Debt to income ratio
Hi:) When working out my debt to income ratio it says on the nationwide website to add up monthly payments to debts then divide this by gross income (before tax? Is that rite?) then times by 100. Is this the correct way to work out debt to income ration? Thanks Lolly
-
How much should I keep back when clearing debt
Hi all, So my scenario is that, after getting married, having a child, I find myself in a bit of debt (manageable with monthly repayments) and able to put away maybe £300-£400 per month after all expenses and spending money. I want to clear the debt. Despite it not growing (two historic credit cards on 0% which I don't…
-
case has been transferred
It appears my CCJ case has been transferred from the CCBC to the County Court at WESTON-SUPER-MARE. Does this imply anything please? (The case has already been to court) Thanks!
-
Help with Marston
My friend was in a payment plan with Lowell, but the debt for some reason has been passed onto Marston Holdings. The original debt was £1200, but is now £1750 with fees as costs. She has received a letter to say an agent will be coming to the house to set up an agreements towards her goods, which she will then have to…
-
Need to get a grip of our debt
Hi. , this is my first post here My partner and I have a combined debt of 75k on credit cards . It is a highly stressful situation we are facing. I am self employed so my income is variable and I never know when the next pay check is coming in, I am actively looking for full time work now though to steady this. My OH works…
-
CCA Request - please help
Hi all, New to this forum, so sorry in advance if this is the wrong place. I've done lots of research and searching across this and other forums, and I'm so confused about what is and isn't correct on requested a CCA. I have a total debt of just shy of £40k, mainly on credit cards with a loan. Biggest creditor by far is…
-
Most effective way of clearing debt fast?
Hello all. I am a single man (divorced with one child) and have accummilated approx £16000 of credit card and overdraft debt. I also owe family members £5400. I have very little expendable income each week (£20ish) so if ANYTHING goes slightly over budget, I get end up adding to the problem. This could be something simple…
-
Sholud we go down the DMP route?
Hello and Merry Christmas! We posted recently regarding our 80K debt. At the moment, despite the debts being high, we are able to afford the payments, plus an overpayment, without it leaving us short for our essential livings costs. We pay around £300 interest each month, as the debts are not all on 0% deals. My wife has…
-
A date for your diary
Christmas will be on December 25th in 2019. That’s 52 weeks away, and 52 weeks to save up for it. Now’s the time to reflect on what you spent this year, and start planning where it will come from next year. If it’s going to be a struggle, or even if it might be, then start thinking about where it will be easiest to cut…
-
Limitations of the Limitation Act?
Hi there I hope someone can help me, I'm worried about an old credit card debt in my name - I've just received a County Court Claim form, and all the solicitors are off for the holidays, so I'm sat here stewing. Anyway, I can give the back story if it helps, but suffice it to say that: 1) I haven't paid anything towards it…
-
deleted
deleted...
-
This is inspiring
Don't know if this has been posted somewhere or if anyone has already seen it, but it's worth a read, particularly the poem at the end of the article. https://www.bbc.co.uk/news/education-46592182
-
how to trace or find out what u owe
How can one find out there current and past debts to collectors and companies I'm looking to get on top of debts be it via payment plans or hardship requests to be wrote off however I get letters and email them asking to do payment plans and they just keep sending full payment requests.
-
123 days
123 days until I am debt free. After the ups and downs of the past 4 and a bit years of my DMP , I have forecast that my last debt payment will be on 26/04/2019. A mere 123 days away. This past year has been the hardest, i started to get impatient with being close to the end, but not close enough. I am in a really good…
-
What small DFW things will you do w/c 24th December?
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…
-
Advice re debt relating to ex partner
Hi all, I hope this is in the correct place, apologies if I have gone astray. I’m really worried and hoping someone here may have some advice. My husband has been contacted by a debt collection agency about a debt relating to a contract in his name from around 2013 when he was with his partner at the time. It was her phone…
-
DMP - I’ve messed up and need help
Hi all, I would first like to just ask that if you are reading this I appreciate your time but please be mindful I am beating myself up massively, I know I have messed up and need help not judgement please. I entered into a DMP about 12 months ago for the amount of £6,500. My agreed payment was £110 which I kept to until…
