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Partners debt
Received mail addressed to my partner and his estranged wife at my address saying they were being taken to court(in Scotland) for failing to pay council tax arrears. His wife has obviously never lived at my address. The mortgage and all bills are solely in my name and I have no debts. Does anyone know if I am liable for…
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Someone paid money on my debt
I have a old credit card I stopped paying years ago When they contacted me a few years ago I was with step change and I told them the debt was statute barred. Some time in 2015 someone has paid two payments of £1 effectively keeping the account open I'm sure it wasnt me because I was already with step change and I have…
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Please advise!
Hi Everyone! I have today recieced a letter from Robinson Way in my married name concerning a debt due to HPH2 LTD (EX CAPITAL ONE). I have not used my married name since 2003, so I can only coclude that this debt is dated before that time. My ex took out cards in a joint account but I did not know and certainly never…
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Should I go debt free?
Hi, I'm being made redundant and I've luckily managed to get another job straight away. I have some credit card debt which I've already done a 0% balance transfer on around a year ago. My instinct is to use some of my redundancy pay out to pay off the debt completely and enjoy not having it hanging over my head any longer…
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Stress over debt please help
Hello everyone, years of reckless spending on finance and credit cards has caught up with me I'm 25 and prior to 2017 I have either lived in a house share where I haven't had to pay many bills or living with my mum rent free. March 2017 I moved into a rental with my partner and my finances are on a tipping point. I have…
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TV Licensing and akinika debt recovery?
Hello all, Despite my username, I have managed to fall behind of my TV Licence payments for the last 2 months and received a letter today asking for the overdue amount of £37.62 to be paid by 22nd June. Now, I'm already in a DMP in the tens of thousands so this debt of £37.62 seems rather insignificant but I'm aware this…
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Capquest statute barred debt ?
I had a call from capquest saying they bought a debt from Halifax in 2013 which defaulted in 2010. Two things...I don't thing this is for me and further more if it defaulted in 2010 it's surely over 6 years old and won't appear on any credit score?
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Back On Track
Having got so far with a debt repayment plan we had a falling out with Eurodebt Finance / MoneySave and our long standing debts are reverting to us. Just got off the phone with Cabot after they sent me a 50% offer through the post and after umming and ahhing I decided to use what bit of savings we have accrued over the…
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What small DFW things will you do this week? w/c 12/06
When we start out on the DFW trail we do loads of "big stuff" that makes quite a difference to our situation. These include having our lightbulb moment, cutting up the credit cards and cancelling Sky and the gym. But once we have done the bigger stuff, we often feel that we are not making the same amount of progress, when…
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Response from CCJ Defence
I recently defended a CCJ from Mortimer Clarke stating that the debt they were chasing was statute barred. They have responded with a statement of account with three payments on it that they allege have come from me. I have made no payments to them at all. I sent a £1 postal order to them in December 2014 as a Statutory…
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CCJ issue
I really need some help. In 2014, I had issues with a landlord who wanted us out for no reason. At the time of the hearing, I owed the £700 for that month which I paid but the judge added £1000 for legal fees knowing at the time, I did not have the facility to pay the additional cost. I still have the CCJ on my file and…
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Debt Recovery Letter Received
I've received a letter from a debt collection agency called Daniels Silverman, requesting the sum of '£105.56 which is 'outstanding on (my) account'. There is no detail offered about why I am alleged to owe this figure nor of who has instructed them to collect it. I recently traveled on a rush hour train from London and…
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Settlement Payment
Hi, I got the following email from Avant with a settlement figure. Do I just pay this or would you ask them to confirm in writing that this would be full and final settlement and get them to send to my home address rather than just an email? The settlement figure is approx. 14% of the outstanding value Dear xxxx, Thank you…
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Link Financial
Hi there, Have an outstanding debt of £4k with Link Financials. I requested a copy of my credit agreement on the 24th April and they responded on the 27th April to state that they didn't hold the information but would request from Barclaycard. They stated that this could take up to 30 days to provide. Obviously that date…
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CCJ Claim form for stature barred debt
Dear all, Thank you in advance for any advice you can give. I am posting this on behalf of my younger brother as I can see there are a lot of knowledgeable folk on here. In a nutshell he defaulted on a credit card in early 2011. It was with **** who then sold the debt to ******. They have now contracted a solicitor to take…
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First Direct withdrawing overdraft
I received a letter last week saying my overdraft will be entirely withdrawn next month. It's £1500. Normally I would be freaking out right now but as a very lucky turn of events, I have been thrown a lifeline. My partner and I had a frank discussion about finances and decided that as we intend to stay together a couple…
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Elderbridge Secured Loan - Settlement
Hi Hoping someone could maybe offer a little help and direction if possible. THE INFO - Elderbridge secured loan (Had this 20 years) - Slightly behind on payments ( 1 Month) - 8.8K left - 465 monthly payments - Around 19 monthly payments left - Not missed a payment for 5 years and paying the arrears off a bit each month.…
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Barclays bank
Hello! This is a very confusing situation but I'd like some help if possible. 12 Years ago I was a student and opened a student account with Barclays. One day I got my loan in, and paid £3000 of rent in one go online. That afternoon Barclays cancelled my card, said I was "spending irresponsibly". I went to see the bank…
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Taking charge! Opinions please!
Hello all, I'm finally taking charge of the debts and getting rid of them once a for all... A little back story I currently owe £21,990.00 from various overdrafts and credit cards and want to be debt free desperately! My mother has kindly borrowed me the money to just wipe them all out once and for all and I can pay her…
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Earnings arrestment and maternity pay
Hi, I'm not sure if I'm posting this in the correct place - apologies if not, but I'd be really grateful for any advice. Does anyone know what happens to an earnings arrestment during maternity leave? Specifically would deductions continue from maternity pay, would they stop if the person only received statutory maternity…