Hi


I have missed a payment for my ground rent and maintenance fees. I own the actual flat. The debt is about two months old, and now I have a letter from their Solicitor stating if not paid in full in 7 days it will go to court. Plus they will add further charges.


The amount at the moment is about £800. I have emailed the Solicitor, and asked will it be okay to pay £200 on the 5th September, and the remaining balance two weeks later. I work full time. I sent the email last night so still awaiting to hear from them. What will happen now if they say no, and it goes to court but by then I have the money to pay it. What would the court fees be?


I also have other debts that are set up and being dealt with but with me owning my property I cannot go bankrupt. The debts are about twenty thousand.


Thank You

I have just settled an Iva one of the debts was Halifax overdraft, this was a joint account with my husband who was not in the Iva
He has been paying Moorcroft £20 per month we are both being asked to pay the same overall balance
Now that I have settled the Iva surely the debt should be now be finished, if both of us are paying they would get approx double the original debt
Any advice appreciated

Even if you won't lose your home as a part of Bankruptcy, your home may be at risk if you're behind on your mortgage payments. If you go bankrupt, you may end up losing your home.

Hello All


Please help. Having gone quiet The Claims Guys have written to me and said that they need to see the letter from Nationwide where they have stated that they gave the PPI money to the Insolvency Service. If I don't do this they are going to charge me for the work undertaken.


Please - any suggestions?


Thank you

I am currently -900 in my overdraft. Up until in started my new job I was never in my overdraft, and if I was it wasn't a large amount so could pay I off with relative ease. When I started my new job, my payday was different. Because of this my outgoings were set up differently and to come out on the 15-18th of each month, as I got paid on the 15th of each month, now I get paid at the end of each month. Because of this my outgoings went out before I was paid, putting me about -600 in my overdraft. I've never been able to recover and have gone into it a further £300 with other unexpected expenses. I'm now -900 and I have about £400 saved in my ISA but that's for my holiday in august which I'm looking to take about 800-900 pounds of spending money, which is going to put me into my overdraft further. I don't really want to call it off as I have already spent £400 on the flights and accommodation. I just feel trapped now and don't know how to pay off £900 with all my outgoings added on top as well. I earn about 1,300 a month and I'm hoping for a pay rise soon, but I just cant seem to save money and I'm constantly going over my overdraft limit and my ISA money is dwindling fast (it 600 2 weeks ago). What is the best course of action to resolve this? A few months of extremely tight budget? A second job at night? I was considering doing food delivery at night as well as my trainee electrician job during the day.

I just want to not constantly worry about my spending, every penny I spent causes me to overthink and worry. It really getting me down. Any help would be appreciated!