Written by John Kruse, one of the leading experts on Bailiff Law, this consumer friendly guide is essential reading for anyone who comes into contact with a bailiff.
The book is easy to understand and clearly explains the rights
a bailiff has, and also what they cannot do when collecting debts and repossessing goods etc.
I am in the process of writing to my creditors to offer a reduction in payment, and am currently working over my budget planner - no wonder I'm in so much trouble. Anyway - if i didn't have debt id be living with in my means so o should be able to afford to live now quite comfortably, the problem is most of the debts we have are from a long time back before i earned a reasonable wage, so as my wages go up the CC's up the limit, we ended up using those, and the increase in salary paid off part of the cards each month. Anyway thats besides the point.
What I want to know is can I legitimately put things like holiday, ciggies (wife, not me), Sky TV, school fees etc down with out prejudicing my position? Also is there any guidance on the amount say for food per person per month? and clothing - we don't spend a lot but have two growing kids - so cost are going up.
Anyone have experience of this? I just would like some idea of what i can put down as acceptable costs etc
Lots of details on what you can put in your budget and a guide to the right amounts.
Hope this is what your looking for.
Lex
Please help us to help you. Download the CAG tool bar for free HERE and use the search option for all your searches. CAG earns a few pennies every time !!!
Advice & opinions given by me are personal, are not endorsed by the Consumer Action Group or the Bank Action Group. Should you be in any doubt, you are advised to seek the opinion of a qualified professional.
As long as you nave not, already, been defualted you should be OK.
You may find you can't get the best deals on interest rates for a bit
Lex
Please help us to help you. Download the CAG tool bar for free HERE and use the search option for all your searches. CAG earns a few pennies every time !!!
Advice & opinions given by me are personal, are not endorsed by the Consumer Action Group or the Bank Action Group. Should you be in any doubt, you are advised to seek the opinion of a qualified professional.
Budget planner
, ciggies (wife, not me), Sky TV, school fees etc down with out prejudicing my position? Also is there any guidance on the amount say for food per person per month? and clothing - we don't spend a lot but have two growing kids - so cost are going up.
Reply With Quote
