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August no spend + £15 a day challenge
As the title says, starting on Saturday the 1st of August i hope to last the whole month with absolute no spending except what i budget for while making £15 a day from ebay/betfair or any other way i can. Il be doing as much overtime at work that i can but this doesnt count for my £15 a day. Debt at the 1st of August =…
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Give me a kick up the bum!
Ooops Posted it twice!
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My SAO - very worried
Statement of Affairs and Personal Balance Sheet Household Information Number of adults in household........... 2 Number of children in household......... 1 Number of cars owned.................... 2 Monthly Income Details Monthly income after tax................ 1300 Partners monthly income after tax....... 0…
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Help Pls! Paid debt but still take money...
Hi All Any advice please!!!! My other half has settled a debt with 'Allied International' debt collectors & basically they sent her a settlement fee where if you double the payments for next 3 payments the debt is sorted. OK we do that & pay £90 for the 3 months. Rang them & they said thanks all sorted debts paid. Anyhow -…
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grocery bill
Right Im going to tryto do this weeks bill for £35 - fingers crossed - will update and yes its ASDA!! The total bill came to £29.31
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Not happy with my credit report
Hi Folks, Not sure if anyone can give me any advice or if their is anything i can do about it but i'm maaaad!! I decided to have a look at my credit report, i had checked it a few years back and it wasn't great a few default catalogues from when i was younger and on benefits. Back in June my other half crashed his car and…
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Snowballing advice
Hi guys, Hubby and I are new to this, and have been recommended to use the snowballing technique. Can any of you recommend the best spreadsheet to download (free, of course!), and do you have any advice for newbies? We've been pretty good at cutting down costs but have realised we need to make more of a concerted effort to…
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debt management scheme
Afternoon all, I've just entered a debt management scheme because times have become really hard but i was wondering, Can i get a rebate on my insurance from my loan now?? Baring in mind my bank account (from which i got the loan) will be closed.
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SOA "Net Income" help please?
Hi All, I've posted a similar question over at the "Ask CCCS" thread, but I thought I'd post generally here as I'm really desperate for advice. My wife and I need to get an SOA together because our debts are crippling us, and we really have to deal with this. My question is this: My wife works part time, and is contracted…
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Desparate for advice, Salary overpayment, No longer with that employer
Hi all, I hope someone can help. I was employed in the public sector resigned my post giving two months notice, as per my employment contract, end of February 2009. I got paid by my employer for March and April. In June, I received a letter stating Human resources advising me that I have overpaid by a month, the sum of…
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What is NSD
I am thinking its No spend Day? maybe? Sorry if I am being thick!!!
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Final Demand from Lewis Debt Recovery
We've received a final demand from Lewis Debt Recovery on behalf of CL Finance LTD. This is a HSBC Loan. We've CCA-ed CL Finance and had very little response. They have removed the charges which appeared by magic on one CL Finance statement. What now? :confused: It's threatening a CCJ or bailiff
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Pension - early release
What kind of pension can u cash in? I have a small protected pension along with a non protected pension - I am 54 on invalidity benefit. I also have a small pension with Equitable Life - do I get anything from them? I am sure someone out there can help - getting no help from the people who have my money! Dirtpoor:confused:
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Payplan or cccs
Just wondering which one of these companies everyone thinks is the best, I have already filled out the debt remedy form and they gave us the choice of an IVA or DMP, we are thinking IVA, would it be considered bad form if we also fill out stuff with payplan and talk to them as well? Anyone have opinion on either of these…
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What to do...!
Well im new to the forum but have used some advice from this website for quite some time. I'm just trying to improve my current situation really but not entirely sure if I'm worrying too much!! Ill try to keep it brief but I live alone, work part time as much as possible but am also completing a uni degree full time. Ive…
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Please help me!
Hi People! please advise..... I have credit card bills of: Virgin 7000 (limit full) 34.9% Hsbc 5500 (limit of 10,000) 16.9% Halifax 4000 (limit full) 15.9% I want to start snowballing Hsbc and have just been offered by them a BT of 4000 (up to my limit) from another card (virgin or halifax) on a 6month 0%... Also I have…
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Advice - Owe 3k to High Court Enforcement
No longer applicable
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Any tips to help me improve my budget?
Posted below so info, just wanted some help on how to lower my ougoings, thanks in advance! Number of adults in household........... 2 Number of children in household.........0 Number of cars owned.................... 2 (1 paid off) Monthly Income Details Monthly income after tax................ 400 (applying for a full…
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Dca ???
Hi folks, I am still only making token payments to the creditors 4 of those who are Lloyds TSB, as our financial situation is still the same until my hubby is successful for new employment, I take it by now going by the letters we receive from them every few days that they will not accept the token payment as a long term…
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having trouble logging into Virgin
Credit card account - Boo Hiss