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6 year limit debt chasing rule
Hello, I have a question about the time limit for chasing private debts, by creditors. I read that it is 6 years for unsecured money. Is this right? My chronology: 2012 to 2014 - I was borrowing money, on credit cards, for a house refurbishment project. Unsecured, of course. 2015 beginning - The project was finished and I…
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Not sure what to do...
Hi there, Member of a few forums and big fan of them. First time posting here though. I'll try and be brief. I was off work from Jan 20 and was in hospital when lockdown commenced. Nervous breakdown related. My partner soon left her job as felt unsafe there due to pandemic. Started to use credit cards to pay bills. I came…
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How do we find out what credit cards we have
Me and my wife have 2 each in a joint that we are aware of. We want to close all of our credit cards as may we got for the freebies years ago and never used and dont get letters etc How do we find out what CC's we have, please?
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Help and Advice please!
Much as most people on this forum I’ve reached a point I need to do something about my debts. Background Ive ended up in this situation over a number of years, main factors for me are multiple and include * 2 periods of being out of work, * poor mental health (and using shopping as a crutch) * A drug addiction that cost…
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Drowning In £16K of poor decisions..
Hi All, I thought I would start this diary for some accountability and I am hoping that as things start to slowly improve I will also be able to see the progress I am making. A bit of context - I am in my 30's with two children (7 & 12) and working full-time, whilst I have a good income I have made very poor decisions when…
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Mental Health and Debt
I have suffered from mental health problems for about 40 years including suicdal attempts and 2 spells in hospital....last one was about 12 years ago for 7 months. I had numberous counselling over the years and support workers to help me in the past. My mental health definetly effects my spending then the worry about what…
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Default Query
Good Evening I wonder if anyone could give me some advice regarding some defaults I currently have. They relate to credit cards but I got into arrears and the credit card companies sold them on to different debt collectors. These are now showing on my credit file with the debt collection agency name and still showing as…
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My scotland bankruptcy experience
Hello. After a lot of looking on all the forums here for help and advice (and I received a lot) I did notice there wasn’t much discussions on Scottish Bankruptcy so thought I would share my experience to help anyone like me who was looking for help. Realised I needed to do something after taking my head out the sand and…
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Commercial property gas bill from 2018!
I'm hoping someone can give me advice as to what I should do next... My husband and I had a commercial property from 2013-2018. We closed the business in May 2017 (self employed partnership, however, I left the business and got a paye job in 2016) We sold the shop in 2018. We settled gas, electricy and water accounts in…
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Dispute or Tax Credits - now they have sent debt collectors! This is 15 years old?
Hi, can anyone please advise me i really don't know what to do. Back in 2007 i got married, i did everything right at the time and changed all my details. They sent me a letter in regards to saying they had over paid me, i disagreed. This went on for a little while then i heard nothing. Fast forward 15 years and i have…
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What Small Things Will You Do This Week?? 23/05/22
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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Big Elephant in the Room with Cost of Living Crisis
I think this is the only place I can mention this seeing as we are all looking forward to being debt free but... Why is nobody talking about the Big Elephant in the Room which is people's personal debt? Don't get me wrong, I understand that prices of energy, food and other bills are going up but all I seem to be hearing is…
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Overdales / Lowells
Hi all I have received a Notice of Acting (pay up or taking to court) today form Overdales Solicitors aka Lowells. Alleged debt dates back to Jilu 2020 - took out a contract with 3 Mobile, cancelled within 14 day cooling off period via phone call / webchat as zero signal mobile phone signal in my area. Did not / could not…
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DMP Budget querie
Cpmplicated situation. Issue 1 My hubby and I both have separate DMP. His was first , we could not do a joint one with him as I am self emplyed so I struggled on for a few years then I got my own DMP with a different company. My hubby was happy with his DMP company so would not do a joint one with me at this stage so it…
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In debt (fairly low amount) and a complete mess
Hello. Sorry if this post is in the wrong place or anything, I just wasn't sure what section would be the best to write it in! So I'm 30 years old, divorced and have two children, who live with me three nights a week and with my ex wife the other four nights. Last year, I was going through court appearances and solicitors…
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Help finding old unknown bank accounts
Hello, I need some advice please. I'm trying to find old bank accounts for my boyfriend's mum. She is unfortunately bipolar, and years ago was very unwell. She has opened lots of bank accounts up, and probably credit cards, and we are trying to track them down without alerting the banks themselves as we want to collate…
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No CCA - Attempt to Strike Out Claim
Hi All I could do with some collective guidance from you guys. I had a credit card debt that I was repaying after it defaulted. About 6 years ago I realised that this may have actually been a fraudulent debt and asked the credit card company / debt recovery company for clarification. None was received. I chased several…
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CCJ two debts rolled into one.
Hello, newbie here. I've got myself in a debt situation and I've been struggling to get out of it. All my debts have defaulted and now being held with debt collection agencies. My mental health has stopped me from dealing with the debt issues. One agency has 5 relatively small debts of mine, Lowell's. Two weeks ago i found…
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Default V Closed account
I have an account on my credit file, which defaulted Jan 2016. The account was fully paid in Jan 2022. I assume that it will remain on my credit file until Jan 2028.
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Has anyone had an application for DPP rejected?
Hi, As the title says, has anyone had their application for a debt payment plan with Stepchange rejected? I’m waiting to hear about mine And was getting a little paranoid as it’s just passed the five working days wait. Thanks