In a pickle, dont know where to start!

*confuzzled*_2

I tied the experian one, i'll ahve a look at the other tommorrow.

Deep_In_Debt

Hi confuzzeld. Re the water meter. I'm not sure about HA, but surely for the cost of a telephone call, could you not give your water authority a call? It doesn't work for all but it might be worth a try and they will tell you on the phone whether it will save you money or not.

*confuzzled*_2

Thanks, i've got to phone them today to sat the direct debits up, so will ask abotu the meter.

Woke up this morining to a £19 charge on my account for being 70p under for my phone bill DD, i didnt think it was due out until tommorrow, i'm so gutted

Ames

I'm in a council flat and I've got permission to get a water meter, I just had to drop a letter into the office and they wrote back saying as long as I knew I was responsible for it and all charges relating to it then it was fine, I'd have thought it'd be the same for a HA.

Merlot

Cleosmum wrote: »

Roll on september, you will be £476 a month better off :T

I don't think you will be better off, cause your tax credits will go down too.

Merlot.x.

Merlot

*confuzzled* wrote: »

Thanks, i've got to phone them today to sat the direct debits up, so will ask abotu the meter.

Woke up this morining to a £19 charge on my account for being 70p under for my phone bill DD, i didnt think it was due out until tommorrow, i'm so gutted

Is this a bank charge? Put a claim in for your bank charges from the past 6 years, the test case is on hold just now, and when it is complete, you may well get some money refunded, depending on the outcome of the testcase. Its worth doing it now.

Merlot.x.

Merlot

can you breakdown the TV/mobile and home phone charges please.

RAS

Hiya

If you were silly when you were 18 and you are now 24, then some of these debts may be statute barred. If you have not paid or otherwise acknowledged a debt IN WRITING in the last six years, then the creditor can ask you to pay but you do not have to.

It is small beer but look at http://www.moneysavingexpert.com/protect/make-money, and you may be able to get another £20 worth of vouchers and freebies per month. Mystery shopping counts towards your income for benefit and tax purposes but not surveys or clicks.

Also, if you are not already signed up look at the local group on www.freecycle.org.

Is your ex the father of your child and can you get any maintenance from him?

Once you have the years no claims, check your insurance again and swap via www.quidco.com or one of the other comparision sites.

Finally, re gran, how many people in your family visit her during the week? Can you fix a bit of a rota, so you go less often but for a bit longer, which would reduce your petrol costs? I am sure everyone is feeling the pinch with the rise in petrol costs.

*confuzzled*_2

Merlot wrote: »

I don't think you will be better off, cause your tax credits will go down too.

Merlot.x.

Yes that is true, and the more my income goes up the more rent and council tax I pay so it sort of balances out.

*confuzzled*_2

Merlot wrote: »

Is this a bank charge? Put a claim in for your bank charges from the past 6 years, the test case is on hold just now, and when it is complete, you may well get some money refunded, depending on the outcome of the testcase. Its worth doing it now.

Merlot.x.

Yes it is, the customer service woman said i could phone up when it's due out and seee what they can do.