I am £94,761 in debt

10past6

clearvisor wrote: »

Im age 66 on works pension of £276-09 a month and oap pension weekly £105-47.My tax code is K24, Im informed If your over 65 you shouldn't be on K24, so can anyone advise and am I due a tax rebate?,since being age 60 it has always been on that,I worked and had oap pension plus wages for 2 years, retired age 62, and I have never owed them any money at all, thanks for help in advance,

Hi

Try posting your query here, you may get a quicker reply.

iwanttosavemoney2008

Ok tried to find a number for one of my creditors on the internet and can't find a relivant dept so will be phoning a random number from the site and hope to be put through to the right dept.

I also forgot about two debts to add on to my total which now is £96,250.
OMG I really am going to have to get on top of all the paperwork and get a true soa to post and actually get a grip with exactly how much I owe.

10past6

iwanttosavemoney2008 wrote: »

Ok tried to find a number for one of my creditors on the internet and can't find a relivant dept

Who is the creditor?

cantcope

Just wanted to wish you luck. sounds like you are trying to do evreything right and you will recieve excellent advice on here to help you along and keep your spirits up.

definitely sign up to all the cashback sites. it mightonly be a little bit of extra but it all helps. I've just got my contents insurance through quidco and its meant it cost me £3 for a year after getting cashback so definitely worth a look.

Good luck x

iwanttosavemoney2008

the one I can't find the number to is GE money i took out the loan for some new windows but i think i owe more now than when i took ou tthe loan

PetuliaGristle

Hi iwanttosavemoney2008, some great advice so far, I've googled a list of numbers for ge money here:
http://www.gemoney.co.uk/en/utility/contact_list.html
Definitely get rid of Sky, we Freeviewed for three years with teenager and toddler with no complaints from either of them as they still get teenager type channels and cbeebies. If for some reason you can't, then give them a call and tell them you're leaving - Sky will probably offer you a deal to keep you.
Have a look at Martin's advice on moving credit card debts too.
Our experience is Tesco reward vouchers are good for meals and days out you otherwise couldn't afford (and giving yourself a reward occasionally).

10past6

iwanttosavemoney2008 wrote: »

the one I can't find the number to is GE money i took out the loan for some new windows but i think i owe more now than when i took ou tthe loan

Hi

Be careful with GE Money, they have a habit of handing the debts over to "Viking"

If it has been haned over to Viking, you can get them on this number: 0870 513 4601, although personally, I'd rather write to them, here's their address if your need it:

Viking
P.O.Box 800
Leeds
LS99 2AE

Poosmate

Congratulations on starting to get yourself sorted, you've done the hardest part.

There's been some great tips and advice on here, this is a great site with many wonderful advisors.

Good luck

Poo

iwanttosavemoney2008

Ok finally got a number for GE Money thanks for all the help guys they will be sending out the balance owing in the next 5 days.
I have also got a list of all the money I owe (see my new signature) out now just got to sit down to work through my SOA (which I will update as soon as I get that letter).
see ya in a bit

iwanttosavemoney2008

I have sold some items on ebay with loads more to go on OH payday tomorrow so gonna see how far I can stratch that so log on tomoz and see if I can pay off some of these debts.

Oh yeah I have paid off £100 to the asda card out of my new improved ctc payments.

And I got made a payment to gratton

SO to date £150 paid off debts