Debt-Free Wannabe

A question about : Mum always knows best!

Just thought I would share a little nugget I worked out today.

My mother has always said 'money attracts money', and I never really knew what she meant...until now!

12 months ago when I was in the mid-DMP nothingness that gets everybody down at some point, I literally would have no money left at the end of the month.

A question about : "Action at law" advice

Hello there,

A question about : unbelievable "Baillif" costs

In 2013 I was poor and couldn't afford my council tax so buried my head in the sand in the sand and it went away
Me and my brother Lived at a property for 5 months then moved haven't heart anything since. Brother received a threatening letter which is a liability order ?.

A question about : Unknown 12yr old debt now being claimed

Hi,

Hoping you can help with this to see where I stand regarding some outstanding debt.

For 13 years I have been using the OneBill service operated by Secure Trust Bank (https://www.moneyway.co.uk/onebill)

Essentially they pay all bills then charge you a lump sum monthly which aids in bill management and they spread out any debt from unexpected high bills (water bills, car tax etc.) over subsequent months.

A question about : Statute barred debts and the Limitation Acts

Statute Barred debts.

A debt will be Statute Barred if there has been no acknowledgement of the debt by you making a payment or in writing within the relevant limitation period.

The debt would then be legally UNENFORCEABLE.

If you are in England/Wales then the limitation period is 6 years and you should read:

Link: Factsheet | Liability for Debts and the Limitation Act (England/Wales)

A question about : help with Cabot ccj

Hi I have received a ccj claim this morning for a old welcome finance secured loan taken out in 2007 we have since lost our house.
Now the second charge was passed on to Cabot which is what I need information about.
I have never received a default notice for this debt which is Ј36308.5.
The particulars of this claim read
By an agreement between welcome finance and the defendant on or around 29/03/2007 then it goes on to say that we didn't keep up with the repayments ect.

A question about : Ynab

Hi is there a YNAB thread on the forum. Just started on there and would be handy to have somewhere to post queries, see how others use it etc. (i know they have their own forums but i prefer the MSE stylee!

A question about : 0% Credit Cards

I was wondering, can anyone apply for a 0% Credit Card or do they have strict T&C's? I have one credit card with Lloyds with just under Ј2k on, however the APR is really high on it so I want to do a balance transfer to a CC with 0% or low APR.

Thanks