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Which is better to pay, credit card or loan
Hi, At the moment i have a Halifax cc at £3,876 outstanding, paid £142.72 per month, £45 is interest Virgin cc at £2664.85 outstanding paid at £32.55 per month, £5.11 interest Nationwide cc at £3,337.33 outstanding paid at £75.20 per month, £41.44 is interest These are all paid on time but its the minimum I also have…
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Advice needed on taking finance company to court
After some advice please, sorry its lengthy! My OH agreed in 2015 to be a guarantor for a 'friend' to help him buy a van. His friend was bankrupt so my OH stupidly agreed for the payments etc to come from his bank, with his friend paying him. Fast forward to 2022, we're trying to improve his credit score to enable us to…
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Council tax and bailiffs
Hi , I need some help. My relative moved out from hic house and city to university a few years ago and had an unpaid council tax bill. Over the course of years he tried to contact his council by phone several times and has always been told to contact them by emails. He did send them several emails to try and pay the…
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£6k debt disappeared from Credit Report? - confused
Apologies if this is in wrong place. I've have/had a longstanding debt of £6k odd to which I've been paying a token amount - monthly - the last 10 years, by voluntary agreement.I've just checked my Credit Report, expecting to see this debt listed, but I cannot see it under any of the tabs. I thought it stayed on the Credit…
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Credit card debt has spiralled
So. About two years ago just as COVID hit I had a couple of credit cards with a couple of hundred quid on. Both were 0% interest and all was well....then COVID hit and my girlfriend had our first child. She went on maternity leave and so money was tight and I started to put bits and bobs on credit cards. Anyway without…
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Can I get this CCJ removed?
Was living with my partner and EON suddenly whacked on £600 of charges due to something to do with incorrect meter reads. I checked it all out as it was within a certain time limit they could do it. I left EON and entered into a payment agreement which I defaulted on when my partner broke his back and our finances went…
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Credit Card for somebody with defualts
I couldn't find this on the board, but which credit card can somebody with defualts get? I have a default on my credit cards from Halifax and Virgin from 18 months ago and they have been closed.I don't like using my bank card on internet sites and would like a credit card for that. I can pay in full each month. thanks.
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Query Default process
Have received letters advising that if I do not pay the full amount by said date the account will be made default. Have not paid so I have got letters from some now saying agreement has now ended / closed but nothing from others. Can anyone advise what the exact process is do they have to send an end of agreement letter…
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Feel like I’m going downhill again, unfortunately.
Good afternoon, long story short on my back ground. Afew years ago I entered a DMP with stepchange with around 8k of debt. I cleared 7k of that fairly comfortably but ran into a couple of issues late last year due to illness & was unable to pay. But with only 1k left I thought I’d manage this myself. In the last two years…
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How to stop klarna payments going out
Hi, can someone please help as I am so worried.I have got myself in so much trouble with buy now pay later such as klarna, clearpay and zilch.I contacted Stepchange last week who gave me some advise and I need to stop paying to catch up. I WILL pay off my debt but I just can't do it as quickly as they want.I changed my…
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Friend borrowed money for van in OH's name
This discussion was created from comments split from: Struggling with debt? Ask a stepchange debt adviser a question.
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Is this a Legit e-Mail? Culpa Inkasso GmbH
I keep receiving e-mails from a company called Culpa Inkasso GmbH who I know are a legitimate company in Germany, but why I am getting the mail is beyond me, it is saying that I am in debt and I owe €570.45 but I cannot see who I owe it to or what it is for? This is a final demand mail, is it legitimate? I called the…
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IVA Paid to Date
Evening all, I took out an IVA 2 years ago, I now don't believe it was the right solution for me as il explain below. I have no assets, rented house, company car and debts of around 17k total. I now believe that a DRO would have been more suitable but we are where we are. I was recently sent a letter from a company named…
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Will Barclaycard Write Off My Debt?
Hi Took out a Barclaycard a few months ago, and since my health conditions have worsened this has become very overwhelming for me to handle on my own, especially on the autism spectrum. I have also got anxiety with depression. I am an extremely vulnerable customer of theirs, and feel they should write the debt off, but…
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Promo rate not reinstated
I've had a series of problems with Virgin Credit Card. Can't get through to them tonight after latest error which saw a direct debit they confirmed by email was cancelled coming out today. What I'd like advice on is my whole balance was on 0%. My previous direct debit bounced but I phoned and explained and paid in full the…
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Settlement Template Letter / DMHEF
I have seen some users have contacted their creditors for a reduced settlement amount. Does anyone please have a template letter that can be used for this? (I'm not currently in a position to do this yet, but it would be helpful to have the letter saved for if and when I am in a situation to settle my debt.) I have a DMP…
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student trapped in contract! ccj advice urgently needed!!
Hi all I need some urgent advice. A few years ago, I moved to a university accomadation, this was after I was informed by a friend that my costs would be covered by student finance if I applied. So I informed the university about this and asked if they had any rooms left which they did. I found out that I would not be…
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DMP advice please
Hi I’m new here I hope you can advise me please. We have been on a DMP plan since 2011 (yes that long)! We owed about £60k and we are down to £6k I am quite proud of us for getting where we are despite the length of time that it’s been we have learnt so much. My eldest DD is off to uni in September I am a tad worried about…
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Final debt repayments
Good afternoon, I've had debt from loans and credit cards for around 7 years due to various circumstances and bad decisions. I've paid some off slowly and now I have 3 debts left to pay back which total about £1100. At the end of this month I will be receiving a bonus from my employer and should be able to pay the whole…
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unable to afford child university payment
My child will be starting university in 2024, however I am under a debt management scheme so will not be able to afford the contribution figure expected under the current household income What steps should I take. Thanks