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PPI on statute barred debts?
Can one try and claim PPI on debts that have been set aside as statue barred, or is that just super cheeky and will have repercussions? ;) HBS x
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Loan or Credit Card
I was wondering which option is the best - a loan of £15000 over 5 years at 3.8% or keep moving balances from 0 % cards and paying the transfer fees each time - repayments would be around £275 on a loan and I am trying to pay £300 a month on the card. This is only half of the card debt! I am aiming to have all debt except…
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Moving to self-managed DMP - advise?
Morning all, I am currently in the process of sending CCA requests to all my creditors with a view to (hopefully) getting some good F&F offers. With this in mind I realise that I will need to move my DMP away from SC and self-manage. I am finding this a daunting :eek: thought as I am nervous about the implications and I…
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Pay off loan or save more for deposit?
Hi guys, I know this has been posted about a few times but I just want to get opinions on my personal situation. Looking to buy land and build in the next 9 months. I have a £10k left on a personal loan which i took out a few years ago to buy a car and consolidate debts. I make regular overpayments of £1k on this a month.…
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My Story - 7 years in the making - I IGNORED OFFICIAL ADVICE!
So after 7 years im now debt free with a 999/999 credit score. What im about to tell you flies in the face of every single money advice and debt advisory service will tell you to do. But i honestly believe that this is the only way to deal with bad debt other than paying it all off before they default you. Once you have 1…
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Feel like I've been stupid... Anything I can do?
Through a combination of divorce and other things, I managed to get into around £22,000 debt. About half of which was accrued interest. As well as the divorce I was made redundant and could have declared myself bankrupt. I didn't want to as I felt it was my debt and I should pay it back. I got a job and set up a DMP and…
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Any Advice would help
I have a problem that I could do with some advice. In a nutshell, I have £27500.00 worth of debts in various high-interest loans. after going back to university at a mature age and changing my profession, my wife and I are earning good money now. the problem is we are paying £1600.00 a month in payments and we just seem to…
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Capquest HELP!!!!
Hi, I hope someone can offer some advice. Today my partner received two letters from capquest each with different account numbers, reference numbers and two different amounts, the company they claim to have baught the debt of we have never heard of and aside from this we have no debt. I know the next step is to send a…
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Removing AP markers after an account has been settled...
Hi all :) Ok, hopefully some kind soul here can help to put my mind to rest? Plllllease.... So I had been on a Step Change DMP and have repaid it (mix of in full and F&F's) but my Vanquis account has UC/AP markers against it - 4 and a bit years worth... I have just emailed a complaint asking for the account to be defaulted…
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Debt ping pong
Help. My partner and I want to move in together but he has some debts which I'm worried will affect my credit rating. I work at home and my Ltd business is registered at my home address so it's really important to me that my credit isn't affected. It seems his debts have been passed from pillar to post. He has to keep…
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Benefits cut, need to reduce DMP payments
Hi all. I have been taken off ESA and put on JSA meaning I loose £35 a week. I'm not appealing, spoken to GP, she said: I'm in a tough situation as due to my CFS/ME being cured, technically I am fit enough to work, but the problem I'm going to have is that while I am fit enough on paper to get a job, with my health…
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Partners debt
Received mail addressed to my partner and his estranged wife at my address saying they were being taken to court(in Scotland) for failing to pay council tax arrears. His wife has obviously never lived at my address. The mortgage and all bills are solely in my name and I have no debts. Does anyone know if I am liable for…
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Someone paid money on my debt
I have a old credit card I stopped paying years ago When they contacted me a few years ago I was with step change and I told them the debt was statute barred. Some time in 2015 someone has paid two payments of £1 effectively keeping the account open I'm sure it wasnt me because I was already with step change and I have…
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Please advise!
Hi Everyone! I have today recieced a letter from Robinson Way in my married name concerning a debt due to HPH2 LTD (EX CAPITAL ONE). I have not used my married name since 2003, so I can only coclude that this debt is dated before that time. My ex took out cards in a joint account but I did not know and certainly never…
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Should I go debt free?
Hi, I'm being made redundant and I've luckily managed to get another job straight away. I have some credit card debt which I've already done a 0% balance transfer on around a year ago. My instinct is to use some of my redundancy pay out to pay off the debt completely and enjoy not having it hanging over my head any longer…
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Stress over debt please help
Hello everyone, years of reckless spending on finance and credit cards has caught up with me I'm 25 and prior to 2017 I have either lived in a house share where I haven't had to pay many bills or living with my mum rent free. March 2017 I moved into a rental with my partner and my finances are on a tipping point. I have…
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TV Licensing and akinika debt recovery?
Hello all, Despite my username, I have managed to fall behind of my TV Licence payments for the last 2 months and received a letter today asking for the overdue amount of £37.62 to be paid by 22nd June. Now, I'm already in a DMP in the tens of thousands so this debt of £37.62 seems rather insignificant but I'm aware this…
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Capquest statute barred debt ?
I had a call from capquest saying they bought a debt from Halifax in 2013 which defaulted in 2010. Two things...I don't thing this is for me and further more if it defaulted in 2010 it's surely over 6 years old and won't appear on any credit score?
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Back On Track
Having got so far with a debt repayment plan we had a falling out with Eurodebt Finance / MoneySave and our long standing debts are reverting to us. Just got off the phone with Cabot after they sent me a 50% offer through the post and after umming and ahhing I decided to use what bit of savings we have accrued over the…
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What small DFW things will you do this week? w/c 12/06
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…