I would do £425 divide by 4 weeks thats how I would work it out, so that would be £106.50 which would work out £100 a week so £400 TAXABLE for that month so work every month out and how many weeks pay of smp your wife got up to the full 39 weeks .

I done the calculator and it say we are entitled to £63 a week but we have only been getting £93 a month so I guess I will have to wait till we get our new reward to find out what it will be

Should be all on her p60 for the tax year then however long she was on smp in 2011-2012 April to April, work it out then any thing over a £100 in them months counts as £100 then add that up with total weeks in the tax year then take that off the income if that makes sense.

I had same issue with me and my partner income from what I can see on the help steps. Any smp paid over 100 pounds you put 100 in upto 39 weeks of the tax year 2011-2012 so 100 into 39 = £3900 then you take that off the total pay of the p60 for the tax year if it was less then £100 then you add that up into 39 weeks . Thats how I read it and I done it over the phone much easyer then sending the form back in as for self-employed not sure about that side of things but someone will be along to help you out

I think putting a list up is not good for some people as like a gambling addiction or drug addition it can give you more options when you thought they had all ran out because believe me if u have addiction then however hard u try its hard to get out of but real easy and quick to fall back in and im not saying everyone is addicted to payday loans it's more needing more money to survive till payday thats why we come to this forum to get help deal with the problem head on and feel in confidence that people that our helping have been in the same situation as us and I take comfort in that. It's just my opinion thats all

We get tax credit on a monthly basis and my partner is now out of work as she left to look after our baby we was stuggling financially without her income coming in so have signed on for jsa a couple of weeks ago she is getting contribution-based jsa where on the renewable form for tax credits came it only say enter amount for income-based so im confused now

Im going on a dmp anyway as in no state to pay it the reason I put it on the forum is I found it strange that they would offer a settlement lower then.I borrow thats all .

Had a loan with these I borrow £320 with interest it came to £400 anyway try to out payment plans but they wouldn't so I have not paid anything in 3 months anyways got a letter yesterday saying from equidebt limited I have been offered a settlement payment of £286.80.on a outstanding balance of £478 what im getting at is how come they can offer lower then I actually borrowed in the first place I find it very strange.

Hi mate cashcall really good with payment plans I had one paying £50 a month and if you say your gonna pay them off then I dont think £50 a month will hurt u also txt loan speak to them though there website service I have a payment plan of £3 a month just offer what u can afford and cash genie will set up payment plan but do it all by e-mail with everyone that way u have proof as with mini credit I think they are starting to crawl into a corner as under big investigation.. And the one bit of advice I can give is listen to the guys and girls on here they are here to help and know what there talking about. They helped me when I didnt know what to do so dont leave yourself tight with money and pay all in one go offer what u can afford and on your terms .

Halifax easycash account never known anyone turned down and hsbc give basic bank accounts aswell what I would do is you can apply online for all of these so do that and all they can say is no to you so u have nothing to lose. on advice that I know first hand only offer what u can afford and on your terms they will try to bully u but let's face it would they speak like that to your face I dont think so It because there on the other end of the phone all I do is stay clam repeat my offer to them say im not willing to talk on the phone only in e-mail alot of it mate is empty theats . On the gambling front I know where your coming from because I have been there myself so no jugding from me my freind

Hi everyone I heard mini credit under a big investigation at the moment so get them complaints in people lets send these out of business .

With bank overdrafts what do I send ?

Would I be able.to write all these down then send them to cccs or has it all got to be printed off ? All my reference numbers are in the contracts is this correct?

Hi everyone I have loads of debt and cccs are willing to put me on a dmp all I am asking help.with is how do I go about get all the paper work from the different loans to send to cccs ? Im stuggling with this any help would be great thanks and on a different note I give thanks to this site and the people on it I think it saved my life really im finally seeing the light at the end of the tunnel just wish I could stop the harassment phone calls at work if only a ...

Hi everyone had the houseing income debt recovery officer round today before we go to court she was very nice she wants me to pay 6.33 extra a week on the normal rent she has seen all my debts that I have and said she will be there with me in court happy with the offer she has set but if I break it im out so I really happy with the outcome to be honest. Just something else I want to ask you guys about I have bank accouts with Halifax one with a o/d of £1500 the other with £800 im thinking I should get rid of these too as im only paying £60 odd pound each month too these and getting no where I have a accout set up else where how should I go about doing this ? Or is this the right thing todo to get my outgoings down ,? Any help would be great thanks I thought I might as well start a new slate clean .

Thankyou for your help your right it's a no brainer really I have done one of them forms with cccs and they said the same thing the payday loans are the last thing you should worry about. Im gonna ring my landlord tomorrow see if we can come to agreement I read that if they agree they will stop the court claims but thanks for putting me a bit at ease

Im with southern housing ltd and im in full time employment I have been working over time to try and pay a bit more off at the end of the month

It says the defendant is in breach of his contractual obligation to pay the rent as provided for under the terms of the tenancy agreement. Notice of seeking possession served on grounds 10 & 11

I have a assured tenancy and it on the ground of rent arres I think .

Hi everyone I need advice I have been served court papers on my flat for repossession to cut a long story short I have got in a lot of debt with payday loans with that and we have now lost my wife's income as she now looks after our 10th month old baby im now stressed and we are gonna be on the streets and have no where else to go I owe from today 1051 pound in arrears im gonna be paying £400 on my payday the 28th and advice would be helpful however little my rent is £81.42 a week. And im due in court on the 7th of June .

Sorry what I mean is that this payment tomorrow that im going to pay will take what I have paided so far upto £351 which is what the loan was when I took it out so shall I not pay anymore after that or ask for a full and final off them they want £504 off me which I think is unfair as I have been paying £50 a month if they do want that I will pay them £2 a month what do u guys reckon ?

Cheers everyone for your comments I never defaulted I have no letters ever been sent and I spoke to them though there live service on the website to agree at the time to a repayment plan.

Thanks for the comment they said it because its out of the cycle time for the loan I didnt default with them either and I pay by standing order so they have no details of mine .

Hi everyone I'm in a repayment plan with txt loans for £50 a month at the time of the loan I borrowed £300 so the balance with interest was £351 to pay back when I set up the repayments with them they said I would have to pay back £504 I said yes just to get into the agreement with them and im paying by s/o so the payment I owe on 30/04/12 will take the amount I paid up to now is £351 should I stop payments after that because I have paid is the original loan plus interest and tell them to whistle for the rest ?

Hi Mr lender will go with a payment plan but they like a token payment there and then i have a debt of £169 with them they wanted £40 token payment then £43 a month to clear all i will say is go with what u can afford they cant get blood from a stone can they i feel much better knowing that im getting some where with the debt and not rolling it over all the time to line these companys pockets