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debt free wannabe (huge financial family mess)
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@Floss thank you for your suggestion. I have tried but their offer was not good for me. It was only slightly better than the one I already have and I would have had a 5 year contract. That is a long time commitment and I need to be careful with that, considering the situation.0
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Hello everyone,
I have a little up-date: DH has now stopped using credit cards (at least that's what he's saying). I shall give him credit for that.
We are doing baby steps. God help us.
Thank you to Dave Ramsey.1 -
You may want to institute a monthly catch up on finances?
You both sit down with your current credit records, look over your SOA, identify any changes that need making like increases or decreases in costs, end of deals coming up, things paid for that weren't on the SOA like gutter clearance, family emergencies, or things you know are going to rear their head soon. Then you can avoid crises.
Any increases in cards, you pull down the statements to see what happened.
And maybe talk over aspirations to see what you can afford?If you've have not made a mistake, you've made nothing1 -
And maybe give us a monthly update0
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And don`t rely on God to help you, lol.I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter2
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They are now taking us to court for the repossession of the house.
What is the best thing to do in this situation, please?
Help!
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What does the letter say? (Don't include any personal info)late2024 said:They are now taking us to court for the repossession of the house.
What is the best thing to do in this situation, please?
Help!
Statement of Affairs (SOA) link: https://www.lemonfool.co.uk/financecalculators/soa.phpFor free, non-judgemental debt advice, try: Stepchange or National Debtline. Beware fee charging companies with similar names.0 -
"well start leal action in 15 business days"
"if we don t ear from you in te next 15 business workin days, we will start leal action"
(apoloies for te missin letters; my keyboard is not workin properly. some of my keys are not workin)0 -
Who are "they"? The mortgage provider?late2024 said:They are now taking us to court for the repossession of the house.
What is the best thing to do in this situation, please?
Help!
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Letter through the post or online?If you go down to the woods today you better not go alone.0
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