A question about : Not sure where this belongs...

...I can't seem to find an appropriate board, so as it relates to a debt of sorts, thought I would try here. Please redirect me if not appropriate place.

Needing to make a claim through small claims court. I am unsure who needs to be the defendant - it is against a nursery, but it is not a limited company so could also cite the manager as defendant. As i can name two defendants, would it be better to cite the manager and the nursery? Or just one?

Thank you

A question about : Very....telephone call charges

My friend was late paying her monthly payment to Very, she just completely forgot. They called her to ask why and she paid it. Fast forward to her next statement and they have charged her Ј12.50 for calling her?! I'm guessing that will be in the very tiny small print and lesson learned? Or can she dispute it?

Best answers:

A question about : Pay off debts, or extend the house?

We have a sizeable chunk of money available to us, via an inheritance (around Ј60,000)

We have five credit card debts between us. Three are with DCAs, the other two are having minimum monthly payments, or fractionally over, made - Ј100 each per month.

The debts with the DCAs are being paid at Ј125 per month, Ј30 per month and Ј50 per month.

This makes a total of Ј405 servicing the debts.

I want opinions as to what is the best way to proceed here.

A question about : Credit report viewed now in tears......

A question about : Having a baby whilst paying off debts.

We have a bit of a dilemma....

Those of you that have read my earlier posts will know that we are currently on a debt free journey to clear around 40K of debt by Christmas 2016. We have one child who is 4 years old. We had problems getting pregnant the first time round and it took 2 years and fertility drugs (not IVF and we didn't have to pay anything). We desperately want a second child.

A question about : Santander not allowing Full and Final Settlement

Hello

As some of you know, I'm in the process of settling my debts by full and final settlements.

I have one account left, Santander for Ј3800. I offered 29%, which is low, but was pro rata for the rest of the debts. I've had to tell Santander that some settled for more than the pro rata and I don't know whether they'll accept my 29% or want more.

A question about : Dmp help

Hi everyone wonder if you can help me.

Just over 6 years ago I found myself in debt with credit cards and in a way to get it sorted I joined a debt management company.

I was told I should be debt free within 5 years which isnt the case and the amount I owed dosent seem to have come down alot.

Checking my statement's they hardly pay anything to my creditors and seem to take a hefty monthly fee.

A question about : Urgent advise needed! Bailiffs turned up last night.

I must apologise if this is the wrong place to post this, but I am sure debt free is wanted!

This thread is being written for a friend that's in panic.

Last night she had bailiffs turn up on her doorstep, saying they've gone through the courts and she has to pay Ј2k in a weeks time (so 6 days from now) Or they're getting a locksmith and entering the property.