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On the straight and narrow- NUFC-nutter's diary ~ Exam results are in!!!

13567…11

Comments

  • Toon_Dave
    Toon_Dave Posts: 1,021 Forumite
    NUF!!!!ter wrote: »
    I am with the one where the future's bright if you know what I mean.

    oh you mean yellow..:rotfl:
    :D BSC MEMBER NO. 125:D
    BR - 16th June 2008 AD - 16th June 2009
    :DIs it nice to be important or MORE important to be nice.:D
  • NUFCnutter
    NUFCnutter Posts: 408 Forumite
    Aye that's them
    LBM £18463.32 in debt 10th June 2008,
    £12470.99 in debt 10th June 2009.
    :j
    Time flies like an arrow.
    Fruit flies like a banana. :D
  • Toon_Dave
    Toon_Dave Posts: 1,021 Forumite
    NUF!!!!ter wrote: »
    Aye that's them

    good geordie phrase...haha...wey aye.

    How are you doing today? any further forward with sorting things out?
    :D BSC MEMBER NO. 125:D
    BR - 16th June 2008 AD - 16th June 2009
    :DIs it nice to be important or MORE important to be nice.:D
  • NUFCnutter
    NUFCnutter Posts: 408 Forumite
    Not really. I have a big problem. I owe my mam money, she got a loan for the car I have last march (March 2007) after my old car died (linked to her mortgage somehow-great interest rate-the building society knew she was giving the money to me to get a car). I have never missed a payment back to her - £218 per month. I am worried that if I go to Payplan or National Debtline they will want me to not pay my mam the full amount every month and that this will affect her mortgage. Its stopping me phoning up cos I don't want to drop my mam in the brown stuff. :confused:
    LBM £18463.32 in debt 10th June 2008,
    £12470.99 in debt 10th June 2009.
    :j
    Time flies like an arrow.
    Fruit flies like a banana. :D
  • Toon_Dave
    Toon_Dave Posts: 1,021 Forumite
    hi NUFC..i thought i had posted a reply to you sorry, my machine has been playing up today doesnt seem to have saved my reply to you.

    I said that i wasnt 100% sure about the debt with your mam. i think you have to treat them as you do with anyother creditor so unfortunatley you cant preferencially treat her and pay her back more each month, even if you could.

    What car do you have? how much is it valued at? is selling it and clearing the loan on it an option? again not sure about the last one as the loan wasnt taken out by you but you mum on your behalf.

    Have you spoken to the CAB or CCCS and asked their advice regarding the car situation
    :D BSC MEMBER NO. 125:D
    BR - 16th June 2008 AD - 16th June 2009
    :DIs it nice to be important or MORE important to be nice.:D
  • Toon_Dave
    Toon_Dave Posts: 1,021 Forumite
    Also does your mum know how much you owe elsewhere and would she accept not getting her cash back? not sure how much the loan was but jus ta second thought after i posted?
    :D BSC MEMBER NO. 125:D
    BR - 16th June 2008 AD - 16th June 2009
    :DIs it nice to be important or MORE important to be nice.:D
  • NUFCnutter
    NUFCnutter Posts: 408 Forumite
    Cheers Dave, car wouldnt make back what I owe on it I think. Hmmmm big thinking needing to be done now.
    LBM £18463.32 in debt 10th June 2008,
    £12470.99 in debt 10th June 2009.
    :j
    Time flies like an arrow.
    Fruit flies like a banana. :D
  • Toon_Dave
    Toon_Dave Posts: 1,021 Forumite
    Sorry i couldnt give you any more uplifting advice today. Take a look at the insolvency website may give you some answers on the BR and debts
    Also CCCS i found to be particualrily helpful when first starting out on this road
    :D BSC MEMBER NO. 125:D
    BR - 16th June 2008 AD - 16th June 2009
    :DIs it nice to be important or MORE important to be nice.:D
  • A_fiend_for_life
    A_fiend_for_life Posts: 1,643 Forumite
    You might have seen this already but just in case. Have you or your mam got payment protection insurance thats not worth the paper its written on?

    http://www.moneysavingexpert.com/reclaim/ppi-loan-insurance
  • A_fiend_for_life
    A_fiend_for_life Posts: 1,643 Forumite
    TV License can be paid by Cash Easy Entry Scheme at places displaying Paypoint avoiding risk of bank charges.

    http://www.tvlicensing.co.uk/waystopay/cashpaymentplan.jsp

    Not sure if they will negotiate some more on that though worth a try.

    Contact us page is here and there is an email link so avoid phone call:

    http://www.tvlicensing.co.uk/aboutus/howtocontactus.jsp
This discussion has been closed.
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