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by standard
Mon Jul 21, 2008 2:52 pm
Forum: postings for july
Topic: can no longer keep my head above water
Replies: 28
Views: 4102

Hi, I'm in almost exactly the same position. I owe about £75000 unsecured. I posted a month ago but not since. However, i am down to almost zero credit left. I would instigate an IVA straight away if my wife didnt need to be aware. She doesnt earn much, and works part time 2 days per week. We have s...
by standard
Wed Jun 18, 2008 1:39 pm
Forum: postings for june
Topic: Advice Please
Replies: 13
Views: 1588

Sorry, and yes she looks after her own finances and I just try and sort the big things!
by standard
Wed Jun 18, 2008 1:38 pm
Forum: postings for june
Topic: Advice Please
Replies: 13
Views: 1588

Thats right. She looks after the food, clothes and puts fuel in the family car. I use the business to pay for my van fuel. However, yes I pay £45 pm for life assurance, and pay the tv licence and £30 pm for house ins....what a lot of things you dont think about! She doesnt do child tax credits after...
by standard
Wed Jun 18, 2008 1:09 pm
Forum: postings for june
Topic: Advice Please
Replies: 13
Views: 1588

I actually pay for the van myself, as the business was set up on minimal funding.

Rent = £900 pm
C/Tax = £135 pm
Phones = £150 pm
Gas = £50pm
Electric = £60 pm
Water = £20pm

Left = £685 if no debts taken into account
by standard
Wed Jun 18, 2008 12:41 pm
Forum: postings for june
Topic: Advice Please
Replies: 13
Views: 1588

Thats correct - the GE Capital is a credit card by paypal, unsecured. The van loan is secured against the van. I rent the Wales flat out and have an interest only mortgage on it. Currently rental inclome is £476 PM, with mortgage payments being £410 pm - however, there are ground charges on top of t...
by standard
Wed Jun 18, 2008 12:27 pm
Forum: postings for june
Topic: Advice Please
Replies: 13
Views: 1588

Hi guys, The firstplus one is long long termer at about 180 months or something. At the time they said they wouldnt secure it on my old house and did it as an unsecured loan - strange I know given the term, but it must be unsecured as my house was sold some 2 years ago and it never showed on the dee...
by standard
Wed Jun 18, 2008 11:58 am
Forum: postings for june
Topic: Advice Please
Replies: 13
Views: 1588

Ok, so here's the facts: O/S Loans: Firstplus £18,500 Barclays £13,000 Egg £16,500 O/S Overdraft: Barclays £8,000 O/S Cards: Egg £4,500 Tesco £2,000 MBNA £4,500 GA CApital £5,000 I have a very small struggling business that just about pays me £2000 per month gross. I rent the family home, but have a...
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