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FireGuy

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About FireGuy

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  1. Ell-enn, i have all the information listed. Thank you v.much for your tme and effort with the letter.
  2. Ell-enn, i have all the information listed. Thank you v.much for your tme and effort with the letter.
  3. Hi Kids are 4, 9, 12 & 13 With regards to tax credits, with both of us working two jobs they are to under revenue anyway. Sorted letters from second jobs. Got budget together now, with points to be made with regards to this. Statement to be drafted, stuggling with it to be honest Fireguy & Vikster
  4. Hi Kids are 4, 9, 12 & 13 With regards to tax credits, with both of us working two jobs they are to under revenue anyway. Sorted letters from second jobs. Got budget together now, with points to be made with regards to this. Statement to be drafted, stuggling with it to be honest Fireguy & Vikster
  5. I would be grateful if you could. Thanks FG
  6. Just a quick note to add, when i spoke to Capstone last week, i offered them a token payment of £200, their advisor (of which i do not have their name ) said that and i quote 'thats not even a mortgage payment, callback with what you can afford to pay before court hearing and do an I&E' but when my partner spoke to them yesterday, they said they have no record of this being said and that i was to call back and do a I&E 24hours, which i agreed to but after the call thought id better seek advise and did not. Is this dodgy dealings or advisor incompetance (like i can talk) do we thin
  7. Just a quick note to add, when i spoke to Capstone last week, i offered them a token payment of £200, their advisor (of which i do not have their name ) said that and i quote 'thats not even a mortgage payment, callback with what you can afford to pay before court hearing and do an I&E' but when my partner spoke to them yesterday, they said they have no record of this being said and that i was to call back and do a I&E 24hours, which i agreed to but after the call thought id better seek advise and did not. Is this dodgy dealings or advisor incompetance (like i can talk) do we thin
  8. HI All Revised Budget sheet attached. Thanks once again. FGBudgetSheet(2).xls
  9. HI All Revised Budget sheet attached. Thanks once again. FGBudgetSheet(2).xls
  10. My reasons for being in the areas is i suppose family commitments and underestimating the cost of running a 6 person family on a day to day basis, going to spend today trawling through the budget and presenting one thats achievable for myself and will hopefully be acceptabel by the judge and capstone. As regards to pressure from other creditors, i have fallen for their tales on many occassion, x will happen if you dont pay etc. And looking at other post ive got in with a bad crowd financially, Welcome etc. I am due to make a call to the CCCS has i have submitted some details with the
  11. My reasons for being in the areas is i suppose family commitments and underestimating the cost of running a 6 person family on a day to day basis, going to spend today trawling through the budget and presenting one thats achievable for myself and will hopefully be acceptabel by the judge and capstone. As regards to pressure from other creditors, i have fallen for their tales on many occassion, x will happen if you dont pay etc. And looking at other post ive got in with a bad crowd financially, Welcome etc. I am due to make a call to the CCCS has i have submitted some details with the
  12. I suppose what worries me most is i have made agreements with Capstone in the past and been unable to stick to them, also was is this position before and managed to borrow the money from a family member. I think this is really going to go against me on the day. Last time i spoke to capstone they said if we came to an agreement before friday they won't apply for a repossesion order but for a suspened one. Is this the better option to take now, as if i do what is stated above and reduce payments elsewhere i should easily manage to clear the arrears in a few months. Just worried that i
  13. I suppose what worries me most is i have made agreements with Capstone in the past and been unable to stick to them, also was is this position before and managed to borrow the money from a family member. I think this is really going to go against me on the day. Last time i spoke to capstone they said if we came to an agreement before friday they won't apply for a repossesion order but for a suspened one. Is this the better option to take now, as if i do what is stated above and reduce payments elsewhere i should easily manage to clear the arrears in a few months. Just worried that i
  14. Re-Completed Budget sheet attached BudgetSheet.xls
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