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Best way to do things
Hi Guys, I'm after a little advice if possible, I have some outgoings and I want to save a deposit for a mortgage - and I don't know which way around to do it. So my financial situation currently reads as below Monthly income after tax £3k Council tax debt £2431 (paying off at £304/month) no interest Car Finance £13,171,…
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CCJ REMOVAL - dodgy companies avoid !
I've been looking into CCJ removal and come across two companies who advertise for this who seem quite plausible at first but turn out to have no legal qualifications at all! they are both offering legal services though . I've spoken to both and they seem to be offering to remove my CCJ but when I've checked them out they…
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Do I have to have to complete an I&E form?
Hi. Do I actually need to complete an Income / expenditure form for my creditors in order to make token payments? Thanks
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I'm struggling...
I am 42, single parent of 2 children. I work 34.5 hours per week as a nurse. I have a shared ownership property so I do have a mortgage and also have to pay rent. I commute to and from work approx 90 mile round trip 3-4x per week so I do have a car. I have a personal loan (2 years left to pay on that). I have a credit card…
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What Small DFW Things Will You Do This Week 16/08/21?
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…
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Dealing with debt
Hi everyone, I am in a process of building emergency fund and waiting for defaults. I've got about 30k of debt. I am really disappointed with myself but I finally managed to do something about it and I will stick to the plan to become debt free. But there is something else that I'm worried about much more then the debt…
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Well here I am again.
As the name suggests I’m back for what feels like the hundredth time. My debt currently is 1 bank loan of £8400 at 3.2%. ive been watching lots of YouTube videos. I was off sick from work as a carer for 2 years with my mental health and the debts built up. Whilst off I saw a job advertised in a shop and applied. I work…
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I am trying really hard and my husband... just isn't.
I am a teacher earning reasonable money. My husband took early retirement 20 years ago to be the at home dad. Six children - one with additional support needs about to move into supported accommodation (pays her own way and also net benefits the household due to reduction in council tax and carers allowance plus…
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Energy Supplier Chasing Debt for Non Existent Resident
I've received a visit & letter from an energy supplier chasing a debt for over £1000 at my property but the name on the letter is not someone that has ever lived in the house in the last 25 years. They don't seem to accept that this person has never lived in the property and that wherever they got the info from has made an…
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Moneybarn Refusing to Default Debt
Good Afternoon, I voluntarily terminated an agreement with Moneybarn and there was £7k left to pay to reach half the agreement. I was 3 months in arrears when I took the Voluntary Termination option and no payment has been made to the account since December 2019. However they have not defaulted the debt. They have sent no…
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Renting on a DMP
Hi, Sorry if this is in the wrong section! I was hoping to get some advice/hear of people’s experiences when it comes to applying to rent a property when on a DMP (debt management plan). I’m currently renting my flat privately and the DMP started during the tenancy so never affected this however since all of that my…
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I've discovered my neighbours huge debts
Hi all, I wanted to write this post as a bit of an escape really and document the journey of helping my neighbour. I'd estimate I've discovered about £10k worth of debt so far and I haven't even looked at her credit rating yet. I'm 30 and she's nearly 70, we are good friends and she has looked out for me in the past.…
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An oldie returns, circumstances are very different
I was a fairly regular poster for a while and loved joining in many of the challenges etc, however life took a few unexpected turns and my circumstances are very different to what they were. I am now a divorced and single parent, the separation is mainly amicable, and I do get a good monthly maintenance allowance which…
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What do you class as emergencies?
Ok so a really silly question being asked here but: What would you class an emergency? I'm just working on organising some pots to try and make better work of my money to help look at ways of reducing our overall debts with spare cash. I'll have a pot for emergencies, car, xmas/birthdays so far but I wasn't sure to class…
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Advice needed - returning to UK after 10 years abroad with tax debts
Back in 2009 I was working for a company which hired us on a self-employed basis. I registered after a few months of working there, but then shortly after I left the job - this would have been around Nov 09 - and by the time the deadline for Jan self-assessment came around, I had already forgotten about it. My career was…
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Defaulted everything
My middle son was diagnosed with ALL Leukaemia May 2015. We spent everyday at the hospital for 11 months only going home to feed the cats, who were also being watched by a family member, to collect post and maybe do some admin. I was self-employed. Contracts went and offers of more work too I wasnt bothered. I did keep a…
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I’m officially debt free now,
Other then my student loan, which will come out to my wages. My credit file is clear and all debts paid off even ones not on my file that I was still paying, my credit score is excellent last miss payments of 2 or more was March last year Even though most debt was loan to help brother I didn’t see a penny, and other money…
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What Small DFW Things Will You Do This Week 09/08/21?
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…
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Cutting down food costs when you hate cooking
My food bill is around 1100 a month, 1 adult, 3 teenagers and 1 child. I work around 13 hours a day and hate hate hate cooking with a passion. I usually do one main food shop a week, around £120 which is just general groceries, fruit, fridge stuff, toiletries, cleaning, junk crap and bread etc. I throw a few things in i'm…
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Azure Money - Beauly Financal
Around 18 months ago I took out a loan with Azure finances. It was my last stupid decision before I started living within my means. I have no correspondence or paperwork from them (I am anal about not deleting emails and I have trawled through all of them but I have nothing). The only email I have is from Feb 2020 when…
