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About Me


Found 7 results

  1. Hi All, I am in a bit of a pickle at the moment, I felt I was finally able to afford my council flat that I have lived in for over 15 years, I put in my first RTB application March 2015, and a valuation was done for the property, after the valuation came out, I found that I was not able to afford it even after the London discounts so I didn’t take up the offer, fast track November 2016, the same year I made another application and this time around the price of the flat had reduced by £100k as per the new valuation done in November 2016, so I took up the offer, applied for a mortgage and g
  2. I'm after some advice. My partner of 12 years walked out on me and our 3 children last Friday evening saying she was no longer happy with me. Didn't elaborate on the reason as to why she was not happy. I explained that if we were no longer together then we couldn't live together she immediatley offered to go. And did..... first few nights she would go out and come back early hours and sleep on the couch. Now she's gone all nights. She does come back everyday to see the children but prefers to spend most of the time with the kids out the way and us talking bu
  3. I recently purchased a giant fish tank from eBay. It was advertised as fully functional and the complete set up. I inspected the item before purchasing and it looked OK. Got it home and paid a professional firm to deliver it in one piece. Although it is a beautiful tank it is not functional. When I took the filter to the fish shop, they opened it up and found it was so dirty and worn it would not function. All our fish died. It was advertised with a heater but none arrived. eBay said because I inspected before purchase I have no case. The faults are not visible
  4. Hi Everyone this seems like a nice forum so i will tell you a little about me and the bankruptsy i am planning. I have around 16 thousand pounds on credit cards (which i have always tarted around to avoid paying interest) I have a Finance agreement on a van (9 thousand pounds) i bought new around 18 months ago along with 20 thousand in personal loans. So i owe in the region of 45 thousand pounds. I have always been able to make payments and have never defaulted (not even at the point of writing this) and have always been good with my money. Although i owe a lot i have always pai
  5. Hi, I first came to the UK in 2004 and was here till 2009. During my stay in d country I had a lot of credit agreements i.e bank loans, credit cards etc (as long as i remember about 12000 in bank loans and 4000-5000 in credit card). I left the country in early 2009 and could not pay my debts. I was away for a few years and came back in late 2011. Since i now have come to the UK i have been trying to lay low. then i started getting emails in march 2012 from collection agencies to pay back one of the debts i had. which I did. But still i have a lot of debts left. but i have been avo
  6. Hi everyone, overjoyed I found this site! I'm 24 and have just learnt the value of money (finally). I'm roughly 10k in debt to around 10 creditors. Yesterday I worked out I should be paying out around £850? a month. I only earn £750 a month. I'd really appreciate some advice on how to tackle this? Debts are in this order... Loan with co-op. 6400 total including interest, 2800 left to pay. Up to date with payments. Credit card with halifax. £2654 total balance. 104 over limit, 2 months behind. Credit card with Natwest. £2794 total balance. £6 remaining credit. Up to date with
  7. Hello, I recently went to see an advisor from the c.a.b. for advice on my finances. The advisor suggested a DRO. I provided some basic information on my income and debts and we got a rough idea of my expenses and disposable income. The adivsor asked me to sign a letter approving them as an intermediary and said he would write my creditors a letter. I was planning on going to the Citizens adivice bureau on an appointment. so they could help me fill out the dro application form and get a more accurate picture of my finances. I decided not to go ahead with this so I called cab to cancel t
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