Quick question, my wife's business has recently dissolved as yet my wife who was the sole director and employee of the business hasn't completed her personal tax return.
What is the best way to complete her return, she never took payslips, only bank statements... how would HMRC check...
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Personal Tax - Ltd Company Dissolved
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Annual Statements
Can someone please clarify the situation regarding annual statements?
What are supposed to receive them for?
If you dont receive them does this make a debt UE?
Can this be rectified?
Thank you -
CCJ from orange
I had a contract with orange which I gave them the 30 days notice for and left. This was nearly three years ago I have now just received a ccj for £152.60 with a total amount of £236.97.Not sure where I stand with them -
Capital One asking for proof of income and to fill in income/expenditure form
Hello all!
so i used the template here to settle a balance with capital one, they rejected it and also the £1 offer a month.
the balance is only £77.
they sent a letter asking me to fill in the income/expenditure form which is expected but they are asking for my wage... -
Moorcroft Letter?
Hi,
I sent letters to Tesco Bank asking for debt validation, deed of assignment, proof of contract they have eventually after 4 months passed onto Moorcroft sent them letter 1 got this response?
Questions I have is
We received the instructions in good faith from... -
Card protection payment reclaming
Hi
I've just received my SAR for my barclaycard and there is no PPI, but there is card protection insurance. The statements only start from 2009 (although the card application started in 2006) and up until 2012 (1 year after I defaulted), they were still taking the payment. When each... -
SAR - No relevant docs sent
Hi, I made a SAR request to Barclays in order to untangle the history of my commercial mortgage and all they sent me was copies of old Egg and Barclaycard statements. There was nothing else at all. No statements from the business bank account or from the commercial loan/mortgage. Both of those were...Last edited by Disastra; 12 October 2016, 12:54. -
Life after debts SB
All defaults have disappeared and all accounts are SB, and a basic account and a credit-building card showing green. What now? Cleansed/worthy/reformed or still a pariah?
It appears that normally only recent defaults impact acceptance. Any views/experience on whether there is a general... -
RBS Mint - My signature on SAR
Hello
I hope that I've posted this in the right place.
I've had financial problems for some 13/14 years and I had an arrangement with Mint (credit card) for most of that time paying back a very nominal amount each month.
Recently, I submitted a SAR to RBS regarding... -
Creditor using wrong address
On inspecting a CRA list some time ago, I noticed that a particular credit card had an incorrect address ie not an official home address and cannot receive mail. As the account was taken out in the 1990s and used regularly with all statements, demands and threats being sent to the correct address which...Last edited by julian; 6 May 2016, 17:58. -
time to sort this mess out
Hi toeveryone in the forum and thank you for all the info available to help me makea start on my financial mess.
my story started about 10 years ago with a lot of unsecured debt to the tune of£35k, I have been on dmp and never missed a payment, I never reallyquestioned the debts and threats... -
Stuckinarut UE Diary
my question is this. been an a dmp since 2008. and it ended on 4th march this year. due to it not being a suitable product cos of the shake up with the companies that give advice etc. so to save a long story. i/we will have 1 cc still with cap one 1 overdraught 1 personal loan. 3 cards. these are with...Last edited by stuckinarut; 12 April 2016, 22:28. -
no change in interest rate but payments keep going up
Been watching this with my mortgage provider and 3 times the interest rate has not changed but each time we get a letter to tell us this the payment goes up by a few pence ,, its not a lot i know but why are they doing this if the rate has stayed the same.
The first time they put the payment... -
American Express
Hi
I paid my Amex card off about ten years ago but I can't find any statements!
I've still got my membership number but I can't remember if I paid PPI!
Can I sill claim and how can I find out if I paid PPI?
Thanks -
Help please!
Hi Everyone
Where to start!
My other half when he was younger and a bit silly got himself into debt - following your guidance on the other site he followed years ago, he's established that 2 of them are more more than likely unenforceable but one we are not so sure of. The...
