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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
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PayPal - can they deduct money from my bank account?
So long story short I have essentially been scammed and sold an quite expensive item to somebody who is now claiming the transaction was unauthorised. This transaction is not covered by PP buyer protection as he used 'friends and family' option to transfer the money (for those that don't know, which unfortunately I was…
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Trying to become debt free.
Hi all, I have some debt and I want to make sure I'm doing it the right way to pay it off as quickly as possible. I was stupid and didn't keep on top of credit card spending and I now have two. One with marbles (£1800 limit) and aqua (£2350 limit) obviously the interest on these are high. I can't get a 0% balance transfer…
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Should I consolidate debt with a loan?
Hi Guys, I have the following debt: - £4,600 on a credit card (0% interest for 24 months) minimum repayment per month is 3.75% of remaining balance - £1,500 on an overdraft - £700 left on a finance agreement (£61 a month) In total this is currently costing me around £270 a month and I'm not entirely sure how to tackle it.…
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Debt about to spiral - advice needed
Hi everyone, I was once an avid user of the debt-free forum some 11 years ago, I found it to be a really great place to gain support and understanding on how to get out of debt. At the time I had lots of pockets of silly debts from being in my 20s and not really appreciating the importance of money management. I was also…
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Credit Card Repayment
Hi everyone Trying to get to grips with my credit card debt but unsure best way to work out my repayments. I have 3 credit cards, I have managed to switch 2 to 0 interest. Now I'm not sure whether to focus my repayments on the credit card that still has high interest or the cards that have 0 interest. CC1 balance is £3800…
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Cca requests and reply’s
So basically we have had reply’s off the majority of our creditors 6 out 8. Nearly all of them have stated that they have asked our original creditors for the signed agreements but until they have this they cannot enforce the debt but still will request payments however in the meantime what do we do will they decide to…
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What Small Things Will You Do This Week? 16/05/22
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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Worrying letter from PRA Group about a debt from 2012
Hi Everyone I've just had a letter drop through my door from PRA Group, regarding a debt I had with a payday company, in 2012. Back then I had some unmanaged mental health issues and took out a number of payday loans that I couldn't afford to pay back, ruining my credit rating in the process. They have sent me a letter…
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Contacting creditors via email rather than letter?
I'm setting up a DMP and sending out holding letters to my creditors - some of whom have email contact information. Is it acceptable to liaise via email or should I stick with letters for all of them?
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Clear debts for new mortgage - but in what order
Up until 2020 I was doing pretty well with a 60k mortgage and no debts. But Covid and a marriage breakdown threw me into a spiral of debt mid 2020 and I find myself with some accumulated problems. Last year I sadly lost my Grandmother (thankfully not to Covid, but old age and in her home with family). She left me a share…
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Thomas Higgins
Hey, are Thomas Higgins bailiffs or debt collectors? Any information on them would be much appreciated
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Tesco bank contact email?
Morning I have a defaulted credit card with Tesco, as far as I am aware it hasn't been sold to anyone. I want to contact tesco to send them some paperwork and while I will do it by letter I also want to expedite it and send scanned copies by email. I don't seem to find any contact email for tesco bank, especially none for…
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Can PayPal Credit take money from personal PayPal account?
I'm in the process of setting up an IVA agreement, of which PayPal Credit is one of the creditors. I have a personal PayPal account, in which money is paid in. Now I'm wondering if PayPal Credit could take any funds in the personal PayPal account before I can transfer it to my bank for the outstanding debt. I've read their…
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PayPal Debt with Moorcroft
Hello! Earlier this year I accrued a negative PayPal balance after PayPal took non-existent funds from my bank account, which also resulted in an overdraft with the bank. I was gambling, and I did not realise I had spent significantly more money than I had. I acknowledge my mistake, and I have self-excluded from the…
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Debt from 2001
Hi all, I received a letter today from a debt collection agency, I had no clue about the debt, so gave them a call, the lady I spoke to said The debt was from 2001, she couldn't tell me who the debt was originally with, just that it was from shop direct finance company, and that her company purchased the debt. I told her I…
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Thanks for all who commented and helped
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Been given an offer to write off part of my debts
I have defaults on 3 credit cards and a bank overdraft. Some of the creditors have contacted me to offer a part settlement, and I just wanted some advice. My situation is that I am currently going through a divorce and I do have capital tied up in a property that I am waiting on settlement for. This process has been going…