First Post/Help Needed

sianreu

Thanks frosty & tealady. Have and will continue to look into what you have mentioned. Cashback system needs more reading into though.

Shouldn't forget to wish everyone a good 2008 too, so best of luck.

Need_To_Sort_It

I would like to say hello, please stick around, 2 days ago I posted my sorry mess here and am already sorting things out, the help is brilliant.

People here know what they are talking about and will lead you to the right path, it may not be a pleasant stroll in the park but its facing the problems and dealing with them one by one.

All the best

Mrs_Sparkle

Hi Sian and welcome. I agree with what the others have said. See you over on the old style board where there is always lots of help in getting food bills down.

beanielou

Hi & welcome
Glad u felt able to post
Can I suggest that you think strongly about getting all your incoming money paid into an account with another bank & that you do not let the bank you are currently with know.You need to protect your interests.
Other than that your mortgage is a priority.
You are in the right place
Keep posting

sashacat

Hi, and welcome. You have done the hard part. Go over to the Old Style Boards for lots of ideas for groceries, meals etc and good luck.

getting-sorted-sarah

Welcome Sian (and bump!) - you're on the way to a brighter future!

Numpty_Monkey

:hello:
hiello and welcome, honest you have done the hardest part:eek: you've admitted it to yourself, Absolutely brilliant people here:A
(but some are a bit strange:T :eek: :rotfl: )

Can't add to the advise allready posted

wish you and your familly all the best for 2008:beer:

sianreu

beanielou wrote: »

Hi & welcome
Glad u felt able to post
Can I suggest that you think strongly about getting all your incoming money paid into an account with another bank & that you do not let the bank you are currently with know.You need to protect your interests.
Other than that your mortgage is a priority.
You are in the right place
Keep posting

Going to call them tommorrow (the mortgage people) the only funds I have now that in not DR is the december payment I missed but is sat ready to be taken for januarys payment now, I think the original debt help line I called suggested definately not letting it get to 2 payments behind. I won't let that happen.

I called the council and rather than miss march payment for the council tax i asked them to reduce Jan & Feb's and make one in march, which they done.

thanks beanielou, sashacat thanks too, will loook in!

sianreu

Sorry I forgot to ask, what happens if I set up an account, I change my details to have all my incoming money into this. I see HBSC Thursday, not sure what the hell for now apart from ask for the recent and upcoming charges to be refunded and NOT to agree to any further help from them. I havent had enough time to look into PayPlan properley let alone anything else I have come across since and am worried about the time sclae of events to be honest.

beanielou

If I was you I might cancel appointment for bank meantime
They wont refund charges at the mo til after the test case AFAIK
Correct me if Im wrong anybody.
You've got it in one lol NOT to agree to further help from them or a managed loan under any circumstances.
Try not to worry to much