Help needed

slummymummyof3

Virgin do tv, broadband and phone package for £30 and I think there are generally offers on the cashback sites for them as well - topcashback.co.uk, quidco.com or cashbackkings.com - you can use these for car insurance etc as well.

tigerfeet2006

Oooh! Cashbackkings is a new one for me. Will have to go and have look see

worriedsick_3

If I keep adding items on SOA will that not go against me as it will leave less to pay creditors or am I doomed to going for BR!!

What are the chances of remortgaging if I have never defaulted on my payments and I know if I could remortgage it would be a lot cheaper per month but am worried about credit ratings now

fiveyearplan

If you were trying to remortgage earlier this year it wouldn't be a problem - even if BR but the way the financial climate is I think you will have a very hard time trying.

As for your SOA - you need to add everything that you can to try and avoid an IPA or even if you get an IPA you want to have a bit of a cushion each month for unexpected expenses. Remember there will be no credit to fall back on.

slummymummyof3

tigerfeet2006 wrote: »

Oooh! Cashbackkings is a new one for me. Will have to go and have look see

Make sure you compare each site before purchasing anything as the rates do vary from site to site - clear the cookies first though before making your purchase so that the cashback tracks to you!!!!! Enjoy.....its fab! Currently waiting for £600 in cashback due in the next 6 weeks.

DON79

you are not doomed for BR worriedsick, just if you are going to go BR then you need to have a fat plump soa as fyp says to cushion you against unexpected expenses.

If you are doing an soa for a dmp, then you should still cushion yourself a little but you will have to trim some stuff back a bit more for a dmp stmt.

so use the suggestions on here for your BR soa if you do decide that BR is the way forward for you.

worriedsick_3

thanks for that - will see what happens after I speak to CCCS and will let you know what options they give me - will be in touch soon and thanks again