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  • #121
    Re: Start of my diary

    Ditto Nightwatch, if it were me I would get some money saved as an emercency fund (probably between 6 and 12 months take home pay) and then put some extra away for making f&f offers at a later date when they have been sold on a few times and the percentage they will accept is lower. Congratulations on the job
    When you have nothing you have nothing to lose

    Comment

    • #122
      Re: Start of my diary

      Like 100%'Susie ?x
      if you do it today and you like it you can always do it again tomorrow

      I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

      If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

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      • #123
        Re: Start of my diary

        Congratulations on the job strepsi, what a nice early Christmas present!

        I definitely wouldn't be making token payments or paying chunks of the debts off. Enjoy having some extra money and have a few treats but try and put some away just in case any of the creditors get heavy.
        Let your smile change the world but don't let the world change your smile

        I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

        If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

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        • #124
          Re: Start of my diary

          Originally posted by Pixie View Post
          Congratulations on the job strepsi, what a nice early Christmas present!

          I definitely wouldn't be making token payments or paying chunks of the debts off. Enjoy having some extra money and have a few treats but try and put some away just in case any of the creditors get heavy.
          Thanks for all the positive messages. I decided to have a career change in summer, I am now in a position to get going (well January anyway).

          I am excited on so many different levels!

          Comment

          • #125
            Re: Start of my diary

            Such good news. As Pixie has said do t rush to make payments or acknowledge the debts. The longer you go without payment, the loser to becoming Statute Barred, otherwise if enforceable the longer you hold out and the more DCSs involved, the greater the discount offered.....
            I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

            If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

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            • #126
              Re: Start of my diary

              Not been here for a long time, my mood goes from up to down.

              Got a pile of envelopes that need opening for a few months (know it's not good).

              Anyway this morning opened a letter up for what was addressed to my wife (trying to shield her from these pressures as best I can).

              Anyway it is from Northampton Court, relating to my wifes B'card, Niddy has stated in the past that it uneforceable, but now I can't find that post on this site.

              How do I tackle this new situation.

              Cheers

              Comment

              • #127
                Re: Start of my diary

                Originally posted by Strepsi View Post
                Not been here for a long time, my mood goes from up to down.

                Got a pile of envelopes that need opening for a few months (know it's not good).

                Anyway this morning opened a letter up for what was addressed to my wife (trying to shield her from these pressures as best I can).

                Anyway it is from Northampton Court, relating to my wifes B'card, Niddy has stated in the past that it uneforceable, but now I can't find that post on this site.

                How do I tackle this new situation.

                Cheers
                Start by looking at this section
                http://forums.all-about-debt.co.uk/s...rom-a-Creditor

                You need to send a copy of that Claim Form to Niddy

                Comment

                • #128
                  Re: Start of my diary

                  Strepsi ,as Roger says send to Niddy to look at do not block anything out as it's perfectly secure ,good luck x
                  if you do it today and you like it you can always do it again tomorrow

                  I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

                  If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

                  Comment

                  • #129
                    Re: Start of my diary

                    I have submitted to the required thread. Cheers

                    Comment

                    • #130
                      Re: Start of my diary

                      Originally posted by Roger View Post
                      Start by looking at this section
                      http://forums.all-about-debt.co.uk/s...rom-a-Creditor

                      You need to send a copy of that Claim Form to Niddy
                      Thanks. Not panicking as yet. Just a quick question, how does the whole process work now I have submitted the info?

                      Comment

                      • #131
                        Re: Start of my diary

                        You could read the UE info thread , or if you have sent documents to Niddy he will guide you .
                        if you do it today and you like it you can always do it again tomorrow

                        I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

                        If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

                        Comment

                        • #132
                          Re: Start of my diary

                          Hi, Niddy will usually get in touch with you and explain the options regarding the solicitors that AAD use and who have an incredible success rate. Alternatively you can receive guidance through other members on the site.
                          I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

                          If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

                          Comment

                          • #133
                            Re: Start of my diary

                            Originally posted by Strepsi View Post
                            Thanks. Not panicking as yet. Just a quick question, how does the whole process work now I have submitted the info?
                            you need to email me the N1 claim form and I'll then pass it to solicitor.

                            Its best youre on AAD+ with a claim -> http://forums.all-about-debt.co.uk/aad-members.php
                            I'm the forum administrator and I look after the theme & features, our volunteers & users and also look after any complaints or Data Protection queries that pass through the forum or main website. I am extremely busy so if you do contact me or need a reply to a forum post then use the email or PM features offered because I do miss things and get tied up for days at a time!

                            If you spot any spammers, AE's, abusive or libellous posts or anything else that just doesn't feel right then please report them to me as soon as you spot them at: webmaster@all-about-debt.co.uk

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                            • #134
                              Re: Start of my diary

                              Originally posted by Never-In-Doubt View Post
                              you need to email me the N1 claim form and I'll then pass it to solicitor.

                              Its best youre on AAD+ with a claim -> http://forums.all-about-debt.co.uk/aad-members.php
                              Just joined aad+. Cheers

                              - - - Updated - - -

                              Do you just need the front page?

                              Comment

                              • #135
                                Re: Start of my diary

                                Please
                                I'm the forum administrator and I look after the theme & features, our volunteers & users and also look after any complaints or Data Protection queries that pass through the forum or main website. I am extremely busy so if you do contact me or need a reply to a forum post then use the email or PM features offered because I do miss things and get tied up for days at a time!

                                If you spot any spammers, AE's, abusive or libellous posts or anything else that just doesn't feel right then please report them to me as soon as you spot them at: webmaster@all-about-debt.co.uk

                                Comment

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