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Advice for a friend
Hi there looking for advice for a friend who’s not on here. He has some debts and wants to try and put them Altogether as he gets paid weekly and the Payments are all over the place. He isn’t struggling with the amounts, He has the following with the following interest rates Capital one credit card £345 at 26.9% Capital…
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I really need to sort myself out!
Right, I'm determined to be debt free by June or even before. I need to do an upto date SOA. Current debt situation Satusma £83 Marbles £1170 Vanquis £688 Im totally skint this month and only have enough for petrol to get back and forth work. Plan of action - Raid my cupboards and freezer before I do another food shop at…
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New Year - Lightbulb moment! Its been a long time coming.
Ok so here goes.................. We are currently working on our SOA for you great peeps to have a look at for us..... But its going to be a lot of guess work, the reason being is that we only moved into a flat 4 weeks ago, we have been homeless (living in a van) for the last 2 years as we couldn't keep up the repayments…
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SOA please check
Statement of Affairs and Personal Balance Sheet 2020 Monthly Income Details Monthly income after tax................ 2100 Partners monthly income after tax....... 0 Benefits................................ 0 Other income............................ 0 Total monthly income.................... 2100 Monthly Expense Details…
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Pay debt off or use car sale cash as house deposit?
Hi all, so my car is for sale at the moment, looking to get around £14k for it roughly. I have a lot of debt which is what I originally planned to pay off around half of once I sold the car however recently I’ve been wondering whether to use the 14k as a house deposit. It’ll be a single person mortgage and houses are cheap…
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CCJ pending for HSBC overdraft from 2007
Apologies if I was meant to post in Bank accounts rather than here but not sure where to post Please advise about big bad HSBC off-shoot companies: I signed up to a HSBC bank account when 14years old, I then had a student account at university and a graduate account for my second degree. As an adult I have never signed any…
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Need to pay off debt
Hi, I am a long standing, but sporadic poster, and need some help! My circumstances have changed considerably in that my 21 year marriage ended in October 2019 and for the first time, I am trying to sort all finances. Through the split, I made a few silly financial decisions which mean I have some high credit card bills.…
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My soa help please
Feel like I’ve messed up somewhere as I definitely don’t ever have £900 spare a month Statement of Affairs and Personal Balance Sheet Household Information Number of adults in household........... 2 Number of children in household......... 4 Number of cars owned.................... 1 Monthly Income Details Monthly income…
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I'm Finally Facing this Head on
Hi Folks, Here is the scoop: Total Debt Balance: £35,000 About our Situation: • Me: 38 years old, work Full Time • Wife: 40 years old, diagnosed Psychosis, Depression, OCD and other related MH conditions and physical ailments. • Daughter: 13 years old • Debt Position: Around £35,000 in debt. All currently unsecured as this…
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22 Years old and 12k in debt
Hi everyone, With the new year I am looking to devote my 2020 to clearing my debts. I have accumulated my debts through gambling with Loans/Credit Cards/Overdrafts. I have a stable job with a stable income, I just wanted to know if anyone has been through what I have and can give me any tips or advice which may help me…
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DMP Questions
Hi my partner has been advised to look at a DMP by stepchange. He is wondering what happens with some of his old debts. He has some defaults that are approaching the 6 year mark and are due to drop off in the next year. If he adds these to his DMP do they then reset and stay on file for the next 6 year again? Is he best to…
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Advice
Hi everyone I’m starting to run out of manoeuvre room. Getting fearful for the future. Looking at my options. Ad regards DMP , I need some help and advice on the following. Have two homes , both bought at the height of the 2007 property boom in NIreland when financials were handing out mortgages like sweeties. One is the…
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New year new me? I hope so!
Ok so first up, for some reason I've had to create a new account on here as my email address wasn't recognised, perhaps due to lack of activity. Therefore my account may show as a newbie but I've been a part of the MSE community for many years. Now onto my case.... Debt has spiralled for me over the past few years and it's…
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What is the most you have spent in Cash?
I don't really use Cash , so I would say £20 on a Pizza.
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What is the most you have spent on Card?
I have only had a card this year so about £50 when I first got it.
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CCJ amount increases
Hi all, I’m looking from some advice. I have a CCJ from 2016 that I stupidly never contacted arrow global about. I am ready to pay the balance in full now so have called them. The CCJ was for £375. They have told me the balance is now £480. I contacted the county court who confirmed it was £375 and sent them a copy of my…
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So, so nearly there...arrangement to pay
Hello, I have posted here before and got lots of really good advice. So just seeing if someone out there might be able to help again with what is hopefully the LAST of my debt issues. Past problems with debt due to low pay, family issues, etc...went into a DMP in 2012 and have now finally paid off the last of the…
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Cabot SAR help
Hi, I sent SAR to Cabot a couple of weeks ago and receive a letter from them asking to verify my identity. I sent SARs in the past to different collection agencies and never was asked for any ID proofs. Is it new rule or Cabot just being difficult? Should I sent them ID proof or will it be seeing as debt acceptance?…
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SOA - is this the right place for me?
I want to do a SOA, but I'm not in debt and it does feel a bit crass perhaps to put it here, but not sure where else it fits. I waste an awful lot of money a month, and whilst I try to budget, I fail and I'm just wanting a few pointers on where to start getting a bit more sensible with my money. So is it okay to do it…
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Advice needed please,
Hey everyone advice needed, Long story short I hope anyways, Brought a house in 2005 on interest only, first house for both of us and didn’t realise the cost of one, anyways I was a stay at home mum and hubby was for ten years working for his dad as a butcher, for ten years his wages never went up, of course all bills went…
