Plodding Through Debts

Muttipops

miracleworker,
£750 a month is a huge amount. Is that affordable for you?

Money_saving_maniac

Get rid of stored furniture (? costs involved, but paperwork re big debt in there)

Miracle worker

For NHS dentistry there is a cap of £233.70 so you wouldn't end up paying anything like £20k for one course of treatment. A course of treatment is when you see your dentist and he says you need X, Y and Z doing, it doesn't matter how many appointments it takes to do it.

If you are currently going private, go see a NHS dentist.

How long have you been doing matched betting for, and how much have you made from it so far? I ask because if you enter into a DMP you are going to have to keep that payment up for years.
If you are not already making over £700 a month from matched betting, then it is unlikely you will be able to do so.

pennystretcher

Other (please specify in comment box - ty)

Hi there and welcome.

Echoing the questions above - what furniture do you have in storage and could you sell it? If you can't sell it would someone else be able to store it for you for less money? Friends/family?

And gym fees - do you need to spend this? Or could you stop going for a while?

Money_saving_maniac

Get rid of stored furniture (? costs involved, but paperwork re big debt in there)

How did you build up your debt, Miracleworker?

You don't need to call the GP for your dental work, you just need to find a NHS dentist and register and then go and see them.

You can find a NHS dentist here

http://www.nhs.uk/Service-Search/Dentists/LocationSearch/3

[Deleted User]

Is the SOA monthly, weekly, or a bit of both?

[Deleted User]

Actually, it would be easier for us (the other FMs) if you made it all monthly, and did a full SOA.

http://www.stoozing.com/calculator/soa.php

[Deleted User]

You can either edit it, or do a new one.

[Deleted User]

Given their behaviour, I think it is very wise of you to use a SO, rather than a DD.

StopIt

miracleworker wrote: »

HMRC has said I don't owe any N.I., and they write the debt off for it, so long as I accept it affects my record, for benefits and pension. I think I'll take their offer.

Remember that if you don't have enough NI contributions via work or NI credits, you wont get a full state pension.


You can check your NI contribution status here: https://www.gov.uk/check-national-insurance-record

sourcrates

Why have you deleted 90% of the thread ?

It just does not make any sense to people reading it now.