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Found 23 results

  1. At the beginning of 2013 I was in the midst of payday-loan hell, mainly due to gambling. I have resolved all but one of those (who I am paying £2 a month to) I lost my job in Jan 2011. At some point Halifax allowed me to increase my overdraft from £3000 which I had from student account up to £5000. I spoke to them at the time (or a couple of months later) about the fees (£100 a month) and they agreed to pause for 6 months due to no job. They then paused them again for another 6 months. I had not gained employment in this time. After this period they would not freeze the
  2. The flat I live in has had a problem with the roof, which has been "kicked down the road" for the last 8 or so years, and got progressively worse, to the point where there was a partial ceiling collapse in a communal stairway, and as a result, the managing agents (HML Anderton) have finally "sprung" into action. As the roof has got progressively worse, so has the bill, and there is a shortfall of just over £5k per flat, which we have received a section 20 demand to be paid immediately, money which I cannot afford. I have paid £1k, can shove £3k on a credit card (which I am reluctant
  3. Good evening all, I took out a unsecured personal loan around 2 years ago with Tesco bank. My financial situation has changed quite a bit in the past 6 months, lost a family member, dealing with depression and anxiety and due to this my self employment businesses sales have plummeted. I got a part time job to help cover my living expenses so i'm trying my best to keep up with all of my payments. My outstanding balance is just over £16k. Monthly payments just under £400. The past 4 months I've been paying late. At the end of every month I end up giving every single penny I have tow
  4. How much rent can you afford? An interesting article with links to government and local authority calculators. It points out that you need to consider far more than just any fees and the rent itself, but all other utility bills, council tax, water bills and in some cases, service charges.
  5. The following news article featured on SCOOP today: http://www.publicsectorexecutive.com/Public-Sector-News/london-council-to-launch-ethical-debt-collection-for-residents?dorewrite=false/Page-1749 https://www.scoop.it/t/lacef-news
  6. My Dad is in a care home and I just cant afford the top up fee's any more. The situation is this, my mum looked after my dad after he had a stroke, but in November of 2015 Mum became too ill and had to go into hospital, I was not able to meet for my dads needs so their social worker found a local care home and thats where he went - willingly because he knew it was right, sadly my Mum died on December 27th 2015. My mum told me to pay any bills etc using their money, I had to agree to pay a weekly £40 top up fee to the care home and this was being paid by Dad from his own savings [not
  7. How much rent can you afford? An interesting article with links to government and local authority calculators. It points out that you need to consider far more than just any fees and the rent itself, but all other utility bills, council tax, water bills and in some cases, service charges.
  8. How much rent can you afford? An interesting article with links to government and local authority calculators. It points out that you need to consider far more than just any fees and the rent itself, but all other utility bills, council tax, water bills and in some cases, service charges.
  9. For many years I've religiously renewed my breakdown coverage because it's very cheap - £15. During that period I think I've used them only once before, but recently I punctured five miles from home. Ordinarily I would put the spare on myself but, Sod's Law, only that morning had lent someone my repair kit and didn't have it back yet. Rather than walk home, I decided to use breakdown. When I rang, they told me they couldn't find my details and said I hadn't renewed, but I was adamant that I had. They agreed to send someone in good faith providing my details could be clarified (I was also
  10. I must be getting old. Child Care costs can cost upto 164.00 a week. People borrowing off payday lenders and using credit cards to pay for this. Can you believe this.It must be like a nightmare for many. How do you manage for you out there who have to pay this charge. 2 kids more than some earn i feel.328.00. I am feeling quite sorry for those that have no choice but to pay this. You may have a decent job,studied for years,even have perhaps degrees but wiped out with these costs. It has truly shocked me how times have changed and changing now day to day across the UK As th
  11. Hey, I'm hoping I can get some advice here for my problem. I finally got a job this week after a few years grabbing my ankles for Mr David Cameron at the Sanction Centre! It starts on Monday, and I've got exactly £9.30 in my bank till my final JSA comes through on Wednesday. The job is monthly salaried. My train fare will be £12 a day 6 days a week, (maybe actually a bit less on the Saturday as that'll be Off-Peak travel) but e'en so, even if find a way to borrow Monday and Tuesday's fare, then I can't afford to pay that for the next 5 weeks until I first get paid! I signed on
  12. Hello everyone, I'm not sure if this is the correct place to post this...hope so. I wonder if I share a story, if anyone can offer advice please. 9 years ago, due to illness and family tragedy, my husband got into financial difficulty. Via the CCCS, token repayments to creditors were agreed an interest suspended. Since then, payments have increased in line with affordability. We have reapid a considerable amount, but still have a fair way to go. I know some will say, 'why didn't you try to go the non-cca, unenforceable route' but, all apart from one were helpful (I
  13. Hi, My husband took out a Wonga loan back in July and has been extending it each month as we've not been able to afford to pay it back. Please do not give me any lectures or tell me he shouldn't have taken it out in the first place, etc, I do know this. I just need to know what happens next. I've been on their "help" page and it says that 3 days before the loan is due you can apply to pay in installments. Can anybody tell me what will then happen? Do you need to speak to anyone on the phone? Do they send you anything in the post to sign? Do you have to provide a financial statement? Any
  14. Hi guys My car insurance payment was due 08-08-13 and i have not paid i cannot afford to pay and i am going to sell car will it be ok if i drive for the time being and wait for them to cancel my policy or will they take further action? thanks
  15. The Citizens Advice Bureau has slammed the payday loan industry after it found lenders had failed to conduct any financial checks in almost two-thirds of cases. The CAB has also accused the industry of failing to stick to its customer charter, which was published in November. The charter, which is voluntary, states payday lenders that sign up must offer clear information about loans, carry out sound affordability assessments and notify customers three days in advance of recovering payments. In a survey of 1,270 loans, the CAB found that no financial checks were made in 65 per cent of case
  16. My partner and I split up and she moved out of the house we rented together. I have had the assessment from the CSA and I have been moved onto the New Rules (having previously been on the old rules with a child from a previous relationship). So I now have to pay 20% of my net earnings. Due to now paying the full rent, bills etc. the figure they have quoted me will push me into a position very quickly where I am unable to afford to live i.e. a lot more going out than coming each month. I do not have a high paid job and I want to support my child financially as best I can. If I sub
  17. Article from the Guardian Read the full story : http://www.guardian.co.uk/commentisfree/2013/mar/13/whats-the-plan-for-disabled-people?CMP=twt_gu
  18. I wasn't going to post about this (because I'm pretty sure I know what the answer will be), but I'm getting it from all sides so I'll ask anyway. I've been working for my new employer for the last month, it's a position I had major reservations about taking but had no choice in the matter because a JCP adviser found it for me. I was supposed to get paid yesterday, that didn't happen. After a lot of pushing on my part, I got an email last night saying that they hadn't paid me because they had incorrect bank details, however, they would get a payment to me straight away (so clearly they d
  19. Hi, i am on jsa with 2 children who have just left school. .neither are going to college, so are looking for work as i am. I have been un-employed 18 months theres nothing here, and living in a small villiage i also have transport issues..but i still want work.. jsa i get is 120.00 per fortnight as they are taking 7.00 ish to pay a crissis loan.. 2 years ago i was on a diff benifit due to health issues but had to change to jsa when the health one was resolved, i got told the change of benifit would be straight away no break in money. .hum well short of it was they stopp
  20. Hi All I have business debts from late 2008 when I closed my business. There have been some ongoing legal issues with my landlord who was responsible for it's closure but these have come to nothing as we can't find him! This is why I am only now dealing with these debts. I was advised by the National Debtline to write to my creditors letting them know I was pursuing a DRO. However, my income is so low that I just can't save up the money to enter into a DRO. I am now so ill with all of this that I am considering writing to my creditors to ask them to write off my debt. How would
  21. A desperate borrower had her account emptied, leaving her unable to afford rent, bills and food, by a payday lender she had agreed a repayment plan with. The This is Money reader, who wants to remain anonymous, borrowed £900 from payday lender Quick Quid. But despite the lender agreeing a new repayment plan to help her out after she was left unable to work, it then took a large payment that cleared out her bank account and left her stranded. Read more: http://www.dailymail.co.uk/money/cardsloans/article-2168712/QuickQuid-agreed-help-took-money.html#ixzz20B7mfYtg
  22. A desperate borrower had her account emptied, leaving her unable to afford rent, bills and food, by a payday lender she had agreed a repayment plan with. The This is Money reader, who wants to remain anonymous, borrowed £900 from payday lender Quick Quid. But despite the lender agreeing a new repayment plan to help her out after she was left unable to work, it then took a large payment that cleared out her bank account and left her stranded. Read more: http://www.dailymail.co.uk/money/cardsloans/article-2168712/QuickQuid-agreed-help-took-money.html#ixzz20B7mfYtg
  23. A desperate borrower had her account emptied, leaving her unable to afford rent, bills and food, by a payday lender she had agreed a repayment plan with. The This is Money reader, who wants to remain anonymous, borrowed £900 from payday lender Quick Quid. But despite the lender agreeing a new repayment plan to help her out after she was left unable to work, it then took a large payment that cleared out her bank account and left her stranded. Read more: http://www.dailymail.co.uk/money/cardsloans/article-2168712/QuickQuid-agreed-help-took-money.html#ixzz20B7mfYtg
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