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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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April's Bring Your Lunch To Work
Welcome to April's bring your lunch to work, the sun is shining and Spring here :EasterBun :icotbaske 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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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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Deed Of Assignment
Hi Advisors and Helpers I need your help with confused messages I have been reading re Deed of Assignment and [/B]Note of Assignment. I am told that the note of assignment we are allowed to see but not the Deed of Assignment. However, I recently read that Lord Denning has stated in ruling 1965 that "debtor is entitled 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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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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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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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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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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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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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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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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Some wisdom needed
If you had a nominal debt of 5 grand but then found out you had items in the house worth 4 grand and are (statistically/potentially) only going to go up in value over time. Would you sell and clear the 4 put of 5. Or keep and plough on working to pay off. Even though work is a little up and down and slow at times. Just…
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Interim Charging Order on Mortgage shortfall
Please help me... I had a court order (CCJ) against me back in May 2006 for a house worth £220k. The house was sold in 2010 and there was a shortfall of £35k. Yesterday I received an interim Charging order (dated 21/11/2018) on my new house from the solicitors of the lender dated 1/2/2019. Their application to the courts…
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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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HELP!! Wont give me anything in writing
Please can anyone help. My husband is trying to resolve a debt issue with the bank. A debt collection company has become involved and are negotiating the amount to be repaid. However, each time my husband asks them to put the offer in writing they refuse. How can we progress this? any help appreciated as we are getting…
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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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Fabulous February's NSD challange! Join in :)
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 February. 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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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…
