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Lowell Phone Calls & Text Messages
Hi all, First post on MSE forum and have searched for Lowell issues and may have similar issues to other poster but not quite the same! I currently have umpteen missed calls from 0333 556 5564 (assumed to be Lowell) including a handful of text messages from Lowell citing: "We've been trying to contact (name removed) about…
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CPA refund from bank
Hello all, I’ve been a lurker for a while but finally decided to make an account! This is a bit of read so I apologise in advance. So… I ended up in a bit of a bad way with payday loans and I’m in the process of starting with StepChange. I contacted my bank on the 3rd of April to cancel the CPA’s to the two payday lenders.…
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Temp switch to IO on mortgage to clear debt?
Just wanted to run this past you lot. An idea I had as an alternative way to clear some residual debt. Please pick holes in the plan, as always your feedback and guidance is valuable. I had posted on anoher board but feel this is better placed here for more concentrated advice. My current mortgage situation- house value…
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Very - Home shopping
Looking for some advise! We’ve had a dispute with Very over interest charges applied on a buy now pay later order which they extended payment date of in 2021. As part of the dispute we submitted a data subject request and found out that the account was not in my husband’s legal name. The account is in the first name he…
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Which option is best for me?
Hi, I am looking for some advice about which debt solution would be right for me and been going round in circles since October. I am in default on all but PayPal and loan has gone to DC who I haven’t yet contacted. I have ADHD and have struggled to manage money and debt all of my life. I have posted my SoA below. I am…
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Received a County Court claim for Statute Barred debt, how do I defend? (Lowell)
Hi, This debt defaulted approximately 15 years ago and I've had letters from various debt collection agencies and solicitors but I've never dealt with it due to mental health issues. I've now received a claim form from the Civil National Business Centre (Northampton) I've started the process of defending it online via…
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How to improve credit rating after paying off a DMP
Hi all Has anyone recently paid off their DMP? I paid mine off in Feb 2023. I have one Credit Card which i pay off in full every month. Which is the best way to improve my Credit Rating? Thanks
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Lightbulb moment - but now queries.....
Hi Everyone! I had my lightbulb moment about a month ago. Already stopped DD's and any payments. With the exception of 1. I have a loan through Salary Finance which comes out of my pay before i receive it. Any idea what to do about this? I work in Financial Services so I don't think it will look good from a work…
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First default letter, what next?
I posted a few months and got some excellent advice. I have various credit cards and loans outstanding and have been ‘non-paying’ for a few months awaiting the default letters the first notice has appeared, obviously demanding the full amount. What happens next? Do i contact them and make a payment plan or wait until it’s…
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Resolvecall letter
Hi all I've had a letter from Resolvecall advising they're acting on behalf of Intrum (never heard of either) to collect a debt owed to Halifax. The account in question is probably 15 years old, and doesn't even show on my credit report, nor have I ever had a CCJ for this. The letter states that they will be visiting my…
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Letter from Intrum/Resolvecall - Nothing from them over 15 years!
Hi, Been a while since needed advice/thought on subject but hope all is good with everyone! Received letter from above regarding what appears to be debt of £3k relating to mbna account. No further information is given in either letter from Intrum nor the enclosed Resolvecall letter. No date of original debt, when it was…
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The start of default road
Hello, I have now entered default with one of two CC’s that I hold (MBNA) the other being Barclaycard which has not yet defaulted. I have had a scout through this thread and seeking some advice on how to take my next steps and things to avoid doing. I read about people going self managed which sound better and to take the…
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Stepchange setting up a DMP, is this for the best?
Hi, I have debts with multiple creditors which equal around £9000. None of these accounts have defaulted, and I pay them all off monthly, I pay a reduced amount on 4 of these accounts and the interest is frozen on them since Nov 2023 as I was struggling to make the payments. I am still struggling greatly to make all of…
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B136 restrictions
Hi, newbie here, I have 2 CCJ’s one with SCM via LLOYDS on a repayment plan, the other is with Turnbull Rutherford, who haven’t chased me since 2016 for money. Both took out B136 restricting orders on us both, but the debts are mine alone, we are planning to ditch our interest only Mortgage and get a repayment Mortgage,…
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Letter from Ernest Wilson
I have received a letter today from Ernest Wilson for an apparent debt from 2001 with a ccj in March 2002 (that I knew nothing about) demanding that this debt is settled. " We intend to apply to court to enforce the judgement as this will incur further costs, I am writing to you to provide an opportunity to pay the sum of…
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How to pay off my credit cards in smart way?
Hi All, I have three active credit cards in use at the moment. All 0% on purchased already finished so I am paying off crazy money on the top of the minimum payments :( I have Barclaycard with balance £2400, MBNA with balance £4800 and Virgin with balance £5000. I very doubt I will get 0% balance transfer with the amount…
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Help. I am completely at a loss on how to make a purchase and which credit card to use..
I would like to make a purchase of a car, which is about 30k. I have the money already available with some shares, savings etc. but would rather not take it out all in one go, so essentially I could buy it in cash... BUT.. I was wondering how best to pay for the car. Ideally i'd like to use an airmiles credit card, so one…
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Help for debt in scotland please
Looking for help and advice for a friend that has got into debt with bank loan and credit cards. Some of these passed to collection agencies. Think total about 15k. Not always in work and lives with parents. Cant see a way out and affecting mental health. Have read better not to do arranged payments through stepchange etc…
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Held out as long as I can. Pips now really squeaking!
I'm fast approaching 62, currently a part-time, self-employed sole trader and drawing a small civil service pension. I'm carrying about £36k of unsecured debt as a personal liability. Essentially all my start up and bounce back borrowing either side of the pandemic. I understand my formal approach for debt advice would be…
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LOWELL CCJ
Like others I've had a letter from Lowell re a debt from Hoist completely out of the blue. Firstly about a credit card which changed to joint account. There is a CCJ apparently dated Sept. 2013. I've contacted the bank who can't tell me anything cos the account was closed in 2011. I never had any info from Hoist or knew of…