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Resolvecall visit - warning to others
So I just had a knock on the door from a man from Resolvecall about a debt I have. He was wearing a very official looking ID card that mentions him being able to get warrants etc and I panicked a little bit. He said he was here to reconnect me to head office, and asked me to call through to them while he stood at the door,…
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Link Offer Accepted
Hi, not exactly a newbie but have been watching for quite some time to get ideas and thought on !!!!!! Anyway, today I’ve had my offer accepted by Link Financial. They wrote ‘ On receipt of cleared funds we will close your account with no further monies owed and update your credit file as partially settled.’ is this…
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Help please as I’m panicking
Apologies if you see this message more than once. I was advised to post it on this board as well. I haven’t posted for a long time for various reasons including family issues and health. And I haven’t been dealing with my debt it seems. I have been scared stiff today by my energy provider informing me that from my usual…
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Vanquis Fresh Start - Lowell.
Hi all, I wonder if anyone has any advice for me? I had an outstanding debt with Vanquis fresh start which was for two credit cards. They sold my debt to Lowell which I have been paying monthly. Then I received a letter from Vanquis to say that I no longer had to pay them and my debt had been put to zero. I called Lowell…
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chrome not saving my SOA on lemonfool?
Hi, sorry but I'm not techno clever.... have new chrome book, but lemonfool SOA isn't being saved on it...Any ideas how to fix this please? TIA
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Won card chargeback, now being chased for debt
I filed a successful card chargeback for £600 from an online retailer. Received a letter from a debt collection agency this morning asking me to repay the £600. What should I do? TIA
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Spending a Bonus
Hi, I got a one off bonus this month, leaving me with an extra £800 after tax in my bank account. I want to be debt free as quickly as possible. I have a few credit cards which I pay off in full every month and one card which is maxed out that I have 0% on until Jan 2023. I'm confident that I'll be able to balance transfer…
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Debt collectors, ex girlfriend, my house
She moved out 3yrs ago, I have a big stack of mail but no forwarding address, although I know the shop where she works. Debt collector called for her today, I suspect she has run up multiple debts. Could this affect me in any negative way? I don't think they accept work addresses, but I'd like them to catch up with the old…
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Statute barred credit card
I completed a letter before claim form asking for CCA in feb 2019, they wrote back saying that the account was on hold until it is found. The debt will now be statute barred tomorrow 23rd July 2020. If they find the CCA after this date am I right in thinking that it will indeed be statute barred and they are too late to go…
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What happens if
...you cannot pay a DMP as you have no surplus Do not own your own property but you do have a declaration of trust that says you will get all the equity (My ex husband owns/mortage in his name but the proceeds will come to me) Long story.... You have a long term health condition but can work, in my case, bipolar Can they…
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Can I help myself before debt ends?
Hey, we have a plan with stepchange and all being well that will end in 12 months. 10 if I can help it. I have 3 defaults which for me is a worry, but I can't do anything about that apparently. We have remortgage in 2 years, wife's car payments for another 15 months and a couple of large loans from family to pay off once…
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What Small Things Will You Do This Week? 28/03/22
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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DRO - what do I need to prove?
Hi All, I've been filing in my details on the SC website and I think I'm likely to be applying for a DRO. I'm just curious if anyone can tell me what sort of evidence I will need to provide? I haven't got anything to hide, it's just that, partly I am ashamed and don't want to have to have to tell *anyone* about my debt,…
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Debt & mental health
I am embarrassed about how much money I owe in bills My illness has deteriorated causing severe mental health problems! I function by hiding away from the outside world. Laying in bed daily isn’t a choice. Because Ive suffered with a chronic illness all my life mentally I’m broken. i have a debt of maybe £14,000 The…
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0% credit card or loan?
It be better to consolidate the credit cards onto 1 0% card as soon as I can and try and find a cheaper loan to move my current outstanding balance to that, or get a loan for the whole lot? We are hoping to be able to buy a house in the next year (we have deposit already) and going in to the mortgage I would be happy to be…
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1 to 2 months of defaulting on ALL payments - Consequences?
Hello all, I have been unwell and not been able to continue running my business. I doubt I'll ever be able to go back to it. Consequently I've had no income for a while and last month I couldn't pay any loans or CC payments on both my ltd and my personal debt. Possibly this month will be the same but hopefully not. My…
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Bank Complaint
Hi, This is my first post on here, but I wondered if anybody could help.. To cut a long story as short as possible, I took out an overdraft a few years ago, my choice, my fault. I was actually shocked when they agreed to it. My credit files weren't good, and I wasn't working and was a stay at home parent. The fees were…
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Debt advice required
Hi everyone I have come on this forum anonymously to discuss my debt and more importantly - get advice to get rid of it! I think it started in 2019, we purchased a second property to do up and sell, I took a small loan out as well as a credit card to help with the property. We then had lockdown, partner off work but we…
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defaulted account has disappeared from my report
Have an account for about 4,500 with pra that has been unenforceable for over 4 years as they couldnt supply a CCA. so my only contact from them was a statement every few months and an occasional offer of a 20% discount. I just ignored all this. I havnt heard anything for about 6 months now. When i look at my credit report…
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Mortgage arrears query
Hi everyone In November 2021 I missed a mortgage payment. It was the only missed payment and have made all payments since. I won’t go into huge detail about the reasons as I have posted lots on the debt free wannabe forum and I have been putting plans in place for debts and ensuring I meet my mortgage and will always…