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PRAC Financial/BW Legal
Hoping to get some advice on behalf of a friend. She has received a letter from PRAC regarding a charge from British gas at a rented house she left 5 years ago. Presumably British Gas were unable to trace her so have sold the debt on. The charge is for the 4 months after all of the tenants left the property and it was…
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In need to creative solution!
Husband and myself own a house worth about £375k with and o/s mortgage balance about £180k and also have a H2B loan. Mortgage is about £700 a month but we are paying out a further £1300 a month on unsecured debts totalling about £60k. We need to get that monthly expense down as currently pay bills and food and nothing…
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Lowell - Reduction Offer and CCJ
Hi Peeps, Had a letter from Lowell offering a 50% discount on two accounts, one being sky and the other Vodafone. I believe they may have cleverly chosen to add in the sky debt into the mix as I'm relatively sure that's no longer on my credit report, but the Vodafone one is. Paying the 50% off reduction would pay the…
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Doorstep visit from resolvecall
Am looking for bit of adviceI had doorstep call from resolvecall yesterday and letter 2 weeks ago asking to call office regarding a debt of amount £2814.40 on behalf of arrow global I don’t recall this debt it may be a very old debt at previous address maybe over 10+ years please can anyone help me with this matter
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CCJ set aside and credit score
Hello i had a ccj put against my name for an old Halifax debt back in January. I wasn’t aware till February as I had moved house and so didn’t receive the letters. I had previously told the creditor about my change of address (and tried to pay) and so on this basis the creditor’s lawyers have agreed to consent to setting…
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Consolidation or sell?
My partner and I are after some thoughts and opinions on what we should do to find the best way forward for our finances. Over the past few years we have overstretched ourselves, much the same as many others. I’m now 50, she is 47, and we are both at the point in our lives with kids grown up and gone that we want to enjoy…
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What is your Achilles heel when it comes to money?
takeaways for myself
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Charges from debt collector
Looking for advice We are Scotland based Received a debt collection letter for a disputed debt from a vet.( long story but vet chipped us out as we took them to vet council thing over a terrible vet service and sent our debt to collectors within a week) Started at £450 vet bill but now the debt letter states £750 total.…
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DMP help
I am currently on a DMP with Stepchange for two credit card debts. I don't have any CCJ's and the debts defaulted in March 2017. My understanding is that these defaults will come off my credit file in March 2023 however my DMP will not be paid off until 2024. I am looking to get a mortgage in three years time and want to…
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DMP or sort it myself - planning for mortgage
Hello there everyone. I have been on this forum in the past, and previously used a stepchange DMP to resolve my payday loan crisis many years ago. however since this time, corona has come along and ruined all my hardwork. I'm currently in a situation of £17800 total debt, income of £2600 & outgoings of £2133. These figures…
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Vodaphone mobile phone contract for a disabled man
i have been trying for trying to sort the above for my student for ages. Vodafone Accessibility are appalling and ignore him all the time then if he rings due to his disability they put phone down on him. Lately, instead of emailing him back they've been texting him. Who texts a disabled person? We have been back n forth…
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Littlewoods (Advice Needed)
Hi all, I have had a Littlewoods account since 2008 and have never missed a payment up until March 2021. I have been off work because of my health and my direct debt always went out on a Monday every 4 weeks (The day I got my ESA) so I never had an issue. Anyway, around March 2021 Littlewoods decided to pull their billing…
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CCA Request - Statute Barred
Hi there, I wonder if i can have some advice. Ok i have been on self dmp and near rhe end of the six year period when defaults drop off and things become statue barred. One of the debt collectors was Caboot and they have never been back in contract with me since they couldn't provide the agreement. Now the problem is i…
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Sell house to ALMOST pay off mortgage on a DMP?
Hi all, before I speak to my mortgage lender I’m hoping someone might be able to advise me here and I can’t find any similar posts . I’m in aDMP with my husband for the last three years with eight to go. We owe 80k. Our son is going to uni and our income means he is ineligible for the max student loan. He has a child trust…
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I can’t find one of my debts…. Is it gone for good?
Ive had a look at all my three credit reports to make sure I have all my debts up to date and such and all are appearing correctly either closed and settled or defaulted or in special arrangement. Also the names are correct. Those that have been sold to debt collectors appear under the debt collector name. However! I had a…
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Global Debt Recovery letter for deceased father
I recieved a letter for my late father from a company called Global Debt Recovery. The letter was addressed to him. My father passed away in Dec 2021 and left nothing behind in terms of assets. Furthermore, he had no connection to my address (never lived with me). Few questions: 1. How did they get my address 2. Should I…
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Deep in trouble, looking into releasing equity on mortgage?
Hi all, long story short, I am a recovering gambling addict (Sports and crypto). I have, in the past year alone, lost over £30,000, destroying my savings and turning me to loans. I have borrowed loans worth £24,000 and I have a few months of money left before I have absolutely no cash left. I have requested a pay rise from…
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can I email back the Directions Questionaire?
Hi all, I'm the defendant and I completed the N180 Directions Questionaire (small claims track). Can I email the DQ back to the court as a pdf? and also email the claimant with a pdf copy of the DQ? Thanks.
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CEO of cashfloat
Does anyone know where I could find the email for the CEO of cash float?
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What Small DFW Thing Will You Do This Week? 02/05/22
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…