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gizmo111 last won the day on March 16 2007

gizmo111 had the most liked content!


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  1. RIP Martin - look out for the shysters, the loan sharks and the LIARS, you will be missed x
  2. I would suggest that the ones you haven't yet defaulted on that you go into your account details with them and change your work phone numbers so they cannot contact you there. if you haven't changed bank account then change your card details to a card (can be credit card) that you no longer use on a diferent bank account.
  3. So where is the money that was earmarked for the mortgage? is it still floating around Abbey somewhere?
  4. Are you actually 5 months in mortgage arrears?
  5. Lots of info here Dealing with a deceased person's money and property : Directgov - Government, citizens and rights
  6. Yes definetly - The referal was not made on medical grounds but on the basis that your wife has previous history where she was injured during a fit and the way that she presented following the medication. The person referring from the hospital and the social worker would need to be satisfied that your baby could be left alone with your wife without being in danger if your wife had a fit. I don't see what your complaint is here.
  7. Impossible to say, but generally speaking the OR will go through all your accounts with a fine toothcomb - I've known relatively small transactions of less than £50 be questioned, and large ones for holidays of £3K to be ignored. Luck of the draw of the OR really.
  8. It would all depend on the size, age and nature of the transfer - £5K on what was probably a joint household debt 2 years ago, would be treated very differently to £10K, a few days or weeks before you went BR.
  9. They won't dispute the figure but can still look through the accounts to see if your spending has been reckless and possibly the cause of your current situation, Is it something specific you are being investigated on?
  10. I meant the names of the people trying ot get you into a IVA. A search should throw up some charities.
  11. Any debt will be included in the BR -exceptions are CSA, certain court fines and student loans (not bank related, cards and overdrafts etc but actual student loans from govt). Not sure where your statement is coming from about the IR. Please post any questions on your thread and they will be answered so all can see and advise further.
  12. name and shame these people - you are on benefits and there is no way you can afford let alone even suggest a huge commitment like a IVA that is only suitable for the minority of people in debt. Your car should be safe but you need to declare it on yourSOA - you will only need to pay £345ish not the full £500 and there are charities that can help with the fees.
  13. gizmo111

    Graduate loans

    Your best bet would be, if you can get it a MBNA or Egg 0% card , both of these you can transfer funds into your bank account and spend as you wish with no interest to pay for 15 months, just the minimum payments. Both these give generous credit limits. In 15 months you will have an income and be able to get a loan to transfer the balance. The difficulty will be that at present you have no income, and the process is automated. Have you thought about leasing a car for a while, or HP which is expensive, you could also put your insurance on a monthly DD. Does your new employer offer assisted purchase vehicle loans, although to be eligible you will most likely need to be out of your probationary period. Barclays I beleive are one of the easiset graduate accounts to get. Good Luck and congrats on the new job.
  14. It doesn't really matter what the amount is, that is the OR's concern not Tilly's, and it won't really matter as she has no assets to contribute towatds the debt, so the whole amount will be included in the BR and she will have no liability for it. She doesn't need to worry about the interest calculations etc unless she feels that challenging them would reduce the debt to a level she could afford without going BR.
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