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Council chasing charges
Hi all, I’m not sure where this goes so I’m sorry if it’s not the right area. My gran passed away 3 years ago and I inherited her flat, which I sold back to the local council a few months after. The council have emailed me today requesting I contact them to settle “tower charges” ie factor fees. I’m just looking for some…
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Can’t afford new loan
I am currently in a DMP with stepchange for old store card debt. I pay every month and have never missed a payment, it really works well for me. However 3 weeks ago I took out a £1000 loan to help with the cost of a family friends childs funeral. I know I shouldn’t have done this but I was offered it even after being…
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Debts...
I have calculated that around after 2 years I will be out of debts - Barclaycard, PayPal Credit, Virgin Money, Lloyds, Sister. And thats if i dont spend high. my income £12,500ish from April 2024 till April 2025.. I pay my dad £570+ per month for mortgage, bills etc, Sister £90+ per month for debt and Virgin Media, pay to…
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Best option clear debt and pay least intrest
I have a buy to rent flat on morgatge. Od limit 2000 remaining left 146, may need to spend £40 before I get paid getting charged 1.58 per a day intrest. Credit card 534.31 use to pay full just chnage this now to minimum Paid salary on 20th April Salary after tax £1256 Outgoing pay 550 ground rent etc ( first time as I only…
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Dating Agency in Luxemburg (again)
I signed up to a dating site but did not use it. Not even once. I forgot to cancel the free month's subscription.... They are chasing me for £308.....I posted on this forum before and everyone agreed no need to pay it I have just received a specialist lawyers letter demand......they will take "judicial enforcement measures…
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Does this plan to default then enter into a DMP work?
Hello Thanks to the advice on my previous thread, and with a number of calls to Step Change, I've come up with this plan below for my almost £38k debt. I'd be grateful if anyone is able to confirm if this is a good way forward, as I still have some slight confusion about defaulting on payments and at what point I should…
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Debt before maternity
Hello! New member here but have been reading other threads for awhile. Just wanting to post a SOA - we are expecting our first baby december 2023 and want to clear the debts we can before that, plus I'm saving for maternity savings as well. I have filled in our SOA as much as I can. I'm doing roughly 20 hours of overtime…
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Is it time for a DMP or try to ride the storm?
Hi all, Just looking for some advice regarding my situation really. I haven't posted here before, but have regularly read the different threads and have found them very helpful. My situation is as follows: - I have been in debt of some kind since around 19 years old and have never been debt-free since this point. - Current…
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Lendable self managed DMP
Strange my account
defaulted last year written confirmation, I have made not or had any contact
since, today received a new Default letter dated 24.04.24 same figures!!! Cannot do a CCA as online account has copy, any
suggestions on what I should do wait and the dispute default date or make a
payment offer, rumours they go…
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B136 restrictions
Hi, newbie here, I have 2 CCJ’s one with SCM via LLOYDS on a repayment plan, the other is with Turnbull Rutherford, who haven’t chased me since 2016 for money. Both took out B136 restricting orders on us both, but the debts are mine alone, we are planning to ditch our interest only Mortgage and get a repayment Mortgage,…
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Letter from Intrum/Resolvecall - Nothing from them over 15 years!
Hi, Been a while since needed advice/thought on subject but hope all is good with everyone! Received letter from above regarding what appears to be debt of £3k relating to mbna account. No further information is given in either letter from Intrum nor the enclosed Resolvecall letter. No date of original debt, when it was…
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Received a County Court claim for Statute Barred debt, how do I defend? (Lowell)
Hi, This debt defaulted approximately 15 years ago and I've had letters from various debt collection agencies and solicitors but I've never dealt with it due to mental health issues. I've now received a claim form from the Civil National Business Centre (Northampton) I've started the process of defending it online via…
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Held out as long as I can. Pips now really squeaking!
I'm fast approaching 62, currently a part-time, self-employed sole trader and drawing a small civil service pension. I'm carrying about £36k of unsecured debt as a personal liability. Essentially all my start up and bounce back borrowing either side of the pandemic. I understand my formal approach for debt advice would be…
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Stepchange recommends a DMP
Hi, I have just completed the assessment on Stepchange and it recommends a DMP. I have a few questions please. I have always made the minimum payment and not missed any and that's what i included in my submission, if i were to leave it for a couple of months so that i could save some money would that affect continuing the…
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Personal guarantor for PCP via business
This discussion was created from comments split from: Dad died with PCP, can they do this?.
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Searching for a Debt Free Happy ever after
Morning! I've been reading some diaries and lurking for a while and am taking the plunge to make changes for my family and to get debt free. I don't want to make too many excuses but at 40 years old need to start to take charge. I'd really love help and advice too with how to tackle things. I have a gorgeous husband and…
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Lowell Phone Calls & Text Messages
Hi all, First post on MSE forum and have searched for Lowell issues and may have similar issues to other poster but not quite the same! I currently have umpteen missed calls from 0333 556 5564 (assumed to be Lowell) including a handful of text messages from Lowell citing: "We've been trying to contact (name removed) about…
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Are these DCA’s?
Hi, I’ve two credit cards I’m dealing with. Forgive my ignorance. My question is are the following companies debt collection agencies? Moorcroft have been super with one. Lowell - slightly weird, said a third party debt collection company may take over, when I kind of thought they were one?
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Visit from a Representative
Hi, I am waiting for my debts to default before entering into a self-managed DMP. I have missed two months of payments so far and I have been saving the surplus into an emergency fund. One of my debts is a Nationwide loan and I have received a letter which says that, as I have not been in contact, they may pass my case to…
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In a big financial mess and I can't see the wood for the trees :(
Hello My situation feels pretty complex to me, and I would welcome any outside thoughts or suggestions on how I might be able to move forward from the right mess I have gotten myself into over the past decade. It really feels unfixable and daunting and I've had my head in the sand for a while now but its time to face up to…