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Can someone explain this to me?
Hi, I’m currently trying to become debt-free and have been doing loads of research into it, as well as things like the types of debt. On one of the sites I’ve viewed a few times (I can’t seem to find the URL, otherwise I’d post it here to help you more) they kept on talking about “fixed rate debt”. To be honest, I didn’t…
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PIP for paying off debts?
My partner gets PIP for PTSD and OCD. He has been working with a debt advisor to manage his debts. The debt advisor has prepared a financial statement and says we have £379 disposable income but has included the PIP (£490) as income. Is this right? It doesn't seem right that he should be expected to use this to pay off his…
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Would you do it?
I’ve just gone through my budget for April and I can almost afford to pay off my last two debts (full and final settlement offers) next month. If I trim down my entertainment budget to £0, and halve my grocery budget I can do it (I’m about £250 short atm) I really want to do it but I feel guilty for having such a tight…
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Overdales solicitors a part of Lowell’s? Updated with response
I can’t seem to find much info on them. I have now received a letter from them on behalf of Lowell’s but it appears it’s Another Lowell’s office? Its threatening legal proceedings anyway so I guess now is the time for head out of sand. Do I now request the info needed and try to make a discounted offer to pay it off or…
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Cabot telling lies
I have had a text from Cabot saying “We have received your letter, and would like to speak to you” I have no bad debt on my credit file, and don’t know what this could possibly relate to. I haven’t sent them a letter. Could they be trying to make out I’ve acknowledged a debt when I haven’t? TIA.
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RBS and Tesco Bank
I wasn’t sure where was best to post this but I opened a new account ready for my DMP starting next month but is there a link between RBS and Tesco bank? I obviously don’t want Tesco applying setting off to my RBS account without consent but the RBS one would suit me
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Contact email for customer services department
Afternoon everyone, This is my first post so be gentle! After several frustrating days attempting innumerable phone calls to credit card companies, I wanted to ask if anyone can assist in providing email addresses for customer services or financial difficulty teams at the following organisations? NCO Europe Barclaycard…
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SOA and Snowball Calculators at lemonfool.co.uk and stoozing.com
Hello I have not posted here for ages. I wrote the SOA and Snowball calculators on the websites above. Someone alerted me to a user reporting problems with saving the SOA on Chrome. It is working for me. However, more generally, are the calculators still being widely used here and are there any other issues that need…
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Resolvecall prove it letter
Hi everyone I had a note through the door to say a Resolvecall agent had called and to phone them re a debt. It had no mention of who the debt was with and how much it was. I sent them a prove it letter and just today received a response Any advice on the next step? Still no info on who the debt is owed to or the amount…
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Paying creditors
Good morning, I am in the. Process of offering creditors token payments and would like to ask how I should pay these. Is it a good idea to set up direct debits from my new account I have opened? Or is there another way ?
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Coucil tax rebate
On our Birmingham council website it states that we will receive the payment by September? Is this correct or should they have paid it by April?
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Link Financial Advice Needed
Hi All, I had a debt with Barclaycard of £15000 which I was managing through Wescot paying a token £1 per month. I spoke to Barclaycard in June and the offered me a settlement of £3500 but unfortunately, I couldn’t afford it at the time. In October I managed to get hold of the £3500 so submitted an offer. It took ages for…
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Advice needed for retired, homeowner friend
Hi all, I have read a lot myself but still a bit confused. My friend is 67 retired and a homeowner on pension credits. Her credit card payments per month are swallowing up her very low monthly income. I believe the debt is about £7,000 and it is with one bank. I will confirm this. Would a DMP help? Even if it's just with…
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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…