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Old Debts
I have a friend who has been paying a debt management company for some years & is now talking to step change. The debts are pre 2007. Should she send a prove it letter first?
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Wonga and DMP payments
After todays Wonga announcement that they are to £220 million which is loans to 330,000 customers, I contacted Wonga to ask a few questions. 1) I am due to make a payment on a DMP, should I make the payment or await news for the write off. 2) If a payment is made what will happen, will it be refunded. The answer I recieved…
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Lending Stream advice please
Hi Was just going through my DMP creditors and thought I would have a look at my outstanding Lending Stream account... I originally had a loan of £415 with them back in March 2013, account defaulted in May 2013. I have just logged onto the account and it is showing my outstanding balance as £1170! Surely this can't be…
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Cabot FINANCIAL and Peoples Bank
Hi, I wonder if someone can shed some light on what's going on here? So I received a letter from Cabot Financial claiming that I owe £975.11 and that the Original Lender was Peoples Bank and that the Account type was a credit card. They then say that they have not been able to track me down and that they are willing to…
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Vivus/Motormile finance
Hi all I am currently on a debt management plan with StepChange of which one of my creditors are Motormile finance. Motormile are collecting an outstanding debt of £310 for an account originally with vivus.co.uk payday lender. I currently pay them £5 a month. Just logged into my email account and saw this email from vivus…
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ppi
Hi am stupid as I know if you reclaim ppi any money paid out in a claim taken off the sum given.However if one of your complaints is that the front loaded ppi was unfair then if you had got one which was ongoing with the loan say 10 pound a month then you could have had the same sickness benefit as with a front loaded…
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Family and civil court help
Hi all I got a letter today from family and civil court to say bailiffs coming in seven days, the warrant they say is fir 635.00 I can't pay that , is there anything I can do, any help appreciated.:(:(
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Help with overdue HMRC penalties
Hi there, and thanks for reading my post. I'm in a bit of a mess... basically I owe £2576 in penalties to HMRC for not filing my tax return. I don't know what to do, but I'm sure I did file it correctly. I've been in the USA for well over a year due to a family illness and have returned to this huge bill. Do I just write…
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DMP annual review and error in budget
Hello I've been in my DMP for 4 years and just realised there's an error in my budget - we have accounted for travel twice. We both receive season ticket loans for work so our travel is accounted for in our salary, yet I've included it in the spreadsheet too. Totally my fault as when we started we didn't have the loans,…
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Bailiffs coming in 24 hours!
if they aren't paid in full - long story but my friend literally doesn't have the money.
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Thursday 2 October - What small DFW things will you do today?
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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Full and final wording when debt no longer on credit reference agency file
I am making full and final settlement offers on our debts, all of the debts have dropped off our credit files as most defaulted in or before 2006. Should I still include the wording asking them to make a entry on my credit reference agency file as being paid and the account closed? Any help would be appreciated.
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CCJ by bwlegal
Following advice on this forum I have applied for a CCJ to be set aside. In brief the paperwork was knowingly sent to the wrong address by bwlegal (my last address, even though they knew where I currently lived), the debt would be statute barred as I have had no contact with the original lender for over 6 years (if the…
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Debt Free Companies/IVA - Advice Required
Hi, I am hoping somebody can help I took an IVA out and the professional debt company that have been dealing with it worry me more than when i was in debt who can I talk to with reference to my concerns the final payments was made over a year ago but still I am unable to get on with my life and put this massive mistake…
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Can lloyds bank dip into halifax account
Hi guys, Just starting a dmp and was gutted to see that halifax is part of lloyds banking group. my old accounts and 1 credit card about 5k debt with lloyds bank so can lloyds bank take my weekly wages from my new halifax account ? I see on this site that Martin L says they are different banks with different organisational…
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Best and most reliable debt management companies?
Hi I've got myself into a bit of a pickle financially. And having checked all the options I feel debt management is the way I need to go. CAP do not operate near me or I would have sought help from them. Which other companies are reputable and will pay my money on time and keep the harassment at bay? Thanks.
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Lowell Portfolio
Hi, I recently received a letter from Lowell Portfolio stating that they had bought a debt of mine (I seem to think its one from 2007/2008 which I thought I'd paid off). I ignored it. I then received a form that I had to complete that said that if it wasn't completed that I would get a CCJ. I filled in this form with my…
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Quickquid advice?
Hi there, wondered if someone could help me as I'm in a bit of a pickle. I have a Quickquid FlexCredit debt of £839.08. I have been a customer of theirs for over a year and have never missed a payment- however lately my financial situation has changed and I am now in default. I have emailed them offering them £50 a month…
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Advice please! - SOA included
Statement of Affairs and Personal Balance Sheet Household Information Number of adults in household........... 2 Number of cars owned.................... 1 Monthly Income Details Monthly income after tax................ 1130 Partners monthly income after tax....... 1200 Total monthly income.................... 2330[/b]…
