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LCS Debt Recovery Letter
Hi all, me and my partner moved into our first place on 14th February of this year, today we received a letter from LCS regarding a debt leading up to this date. A quick search online and I've seen a lot of warnings about responding to them in any way as they will just try and pursue the money from us even though it is not…
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March Bring Your Lunch to Work
Welcome to March's bring your lunch to work, the sun is shining and Spring is definitely around the corner. Feel free to post what you're having/planning/eating for lunch as this may give others a idea of what to make and I'm always up for inspiration. There are 21 working days up for grabs. Let me know if you want to join…
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capquest
hi would like some advise had a bunch of letters today from capquest about a debt i owe haven't had any letters phone calls or anything for 8 years i was wondering if this is still enforceable on the letters its saying remediation of account i have received a bunch of letters one for every year from the 8 years going back…
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Marvelous March's NSD Challange :)
This challenge is about setting yourself a weekly / monthly target of how many No Spend Days you would like to try and achieve during the month of March. Keep us updated with your progress and hope you all enjoy the challange. To join, just post your personal target and you are on your way. Tips for the challenge; 1.…
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Shift from shifts, while shifting the clutter
I'm unsure if this is the right place to post it, but I've had some great advice from the challenge boards before. As of today, I've been doing shift work for four years. Due to ever-changing sleep patterns, I've never got into a regular routine and am always putting things off until later or when I'm not so tired. I've…
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NST March 2019: WINS against the debt
NST March 2019:WINS against the debt Turtles are determined little critters. They know where they are going and nothing can stop them getting there. Some may even say that they are stubborn. But, the thing is, as Ninja Saving Turtles, we refuse to go along with the general acceptance that it is okay to live beyond our…
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Make up to £10 a day in March 2019
Hello and welcome everybody This is the 139th month of this challenge, which was first started by Batgirl, in September 2007. Here is a link to the original thread as I am sure some of you are interested to read where it all began.…
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March 15 ways to save money
The Challenge Write down 10-15 ways you can save / make money and track how many times you do them over the course of the month. You should at least aim to do everything on the list once. For each task you do is 1 point . There are no 'real' prizes but it would be good to see how many 'points' we can all get by the end of…
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What’s next is the question?
So I’ve lost my previous diary - it was along these lines... £5000 overdrawn £4300 loans £6500 Virgin cc (i pay £150 a month and £95 interest a month) £4500 M+S CC (i pay £130 a month) £3500 lloyds cc (i pay £75 a month) £2000 Barclaycard (i pay £50 a month) £1800 RBS cc (i pay £50 a month) £1400 Halifax cc (i pay £45 a…
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Unenforceable CCA
Hi Advisors and Helpers After applying for 4 CCAs and a SARS on historic debts (2002/3) I am informed that all 4 are unenforceable. However, I have been paying a DMC a regular agreed amount every month for the past 6 years but in the light of this new information have recently stopped making these payments. Has anyone else…
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Direct debit
... I have finally admitted defeat.. I am drowning in debt. I have made my I&E sheets for each of my creditors...wrote them each a letter with an offer of payment requestion a standing order for the amount in my letter... Do i now need to cancel my direct debits even if I have not heard from any of them yet to agree to it?
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Stuck with a car on finance
Hi, I bought a car on finance a few years back and was happily paying it off and have paid over 2/3 of it off. However due to a large number of personal issues, I haven't made a payment for around 18 months. I'm now getting my life back together and am working on my debts. I now have a new job with a company car so I no…
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Please any advice
Hi so to cut a long story short I lost my mum 6 years ago and I got myself into a gambling addiction which I have now knocked on the head but this has left me in 7,760 worth of debt, these are payday loans, credit cards and overdrafts I really need help. I want to start a debt management plan but nobody seems to want to…
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Advice please
Hello all - I’m back after a little while away trying to shape up my finances. I’ve dithered around to be honest and still juggled so not really got far. However, I need advice again please all. My debts are £10,791 Lloyd’s loan - repay £343 a month £899 Halifax cc @ 26% - repay £40 a month £1918 barclaycard cc @ 22% -…
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Drowning in debt & need help
am 46yrs old today! I have a 10yr old daughter. My husband has been having numerous affairs, and we have now parted. I work approx 11 hours per week, on a Zero Hour contract, which is minimum wage. I am now on Universal Credit, I rent privately, which costs me an extra £130 per month. I have built up debt of £10,000 over…
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Make up to £10 a day in February 2019
Hello and welcome everybody :j This is the 138th month of this challenge, which was first started by Batgirl, in September 2007. Here is a link to the original thread as I am sure some of you are interested to read where it all began.…
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The DFW Birthday and Christmas Planning Club - 2019
Hey all, So I wanted to start this thread as I am terrible at keeping a track of spending on Birthdays and Christmas gifts throughout the year. I also need to plan better so that I am reducing spends, I tend to go overboard with the gifts because I buy throughout the year then forget what I have bought so just keep buying!…
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How to object interim charging order ?
Hi, I would appreciate any advice and help and how to object interim charging order and what I could use as an objection in my case to stop final order to be made against my house. Here is my complicated story: Few days ago I received notifications for interim charging order from the County Court which for my husband's…
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February's Bring Your Lunch To Work
Welcome to February's bring your lunch to work, hoping for lighter nights and lots of money saving :) Feel free to post what you're having/planning/eating for lunch as this may give others a idea of what to make and I'm always up for inspiration. There are 20 working days up for grabs. Let me know if you want to join in…
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NST February frugality and frolics
NST February Frugality and Frolics Darwin's theory and the phrase 'survival of the fittest' is often misunderstood. Some people assume that those who are physically stronger can/ will ride roughshod over those who are 'weaker'. In fact survival is not a matter of physical strength. The 'fittest' means those who are most…
