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Capquest
Hi. This is my first post here. I am in the process of clearing some old outstanding debts relating to 2009. One of these is a £170.00 debt from Orange which was sold to Capquest. 2 1/2 weeks ago I had a phone call from them and an arrangement was made to make a card payment on 08/05/15 for the full £170. At the time they…
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Sat/Sun 9th/10th May 2015 - What small DFW things will you do this weekend??
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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Can't bring up to date, but maybe minimum payment
Hi folks So a little introduction, I owe around £30k on credit cards and loans, own my own home (worth around 280k-300k, mortgage of 90k and second charge of 60k for previous debt - I've made a lot of mistakes!). Since January I haven't been able to make minimum payments towards my cards, and had hoped to increase the…
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Small moral and fiscal victory
Hi, I put a number of s78 requests last month and am waiting on a lot of replies - however I spoke to Lloyds today (my biggest creditor with about £50k of debt), and put a complaint in regarding the date of default against the unsecured loan I took out with them in 2004. I ran in to trouble in April 2007 and entered a DMP…
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What to do about overdue payment?
Hi guys, I have an issue I hope you guys can help me with and I hope I have put this in the correct forum. I rented an online server from a company late last year. I rented it for a month and paid by PayPal to ensure they could only take the 1 payment. I also sent an email to the company to cancel the service. Today I have…
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OLD defaults - company only offering partial settlement? advice appreciated.
Hi, I have two old Lloyds accounts which defaulted in 2010, both are Lowell accounts but I deal with two other companies on their behalf (BW Legal and Resdons). One is around £480 (OD) the other £950 (Loan or CC). Without going into huge detail I had money issues from the back of a death within my immediate family. I've…
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Mkpd
hello all. Just wanted to thank all who gave us some advice about mkpd. They were threatening to take my son to court over an overdraft debt which they could not prove. It has been going on for a while and the last letter from them was one that said we will see you in court. We wrote back saying "prove it--because you…
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Debt and Mental Health - How have your debts affected you?
Hi everyone, As part of Mental Health Awareness Week 2015 next week (11-17 May), we’re supporting Stepchange Debt Charity and the Mental Health Foundation (MHF) in highlighting how debt can play a large part in mental health issues. We have a free Mental Health and Debt guide available for anyone to download so if you're…
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Would creditors allow for private health insurance in DMP?
My ma has multiple health problems and is disabled by them, all starting with a heart attack at 40. As I am now that age I am getting concerned and have been offered full family health insurance from work for £90 for a family of 5. This is great value, but do you know if payplan would allow for it in my dmp budget? As they…
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Friday 8th May 2015 - 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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No food shopping until 15th
I've just taken a look at my bank balance and I am scarily near my overdraft limit. All the bills are paid and I have stuff in the freezer, it's just that after a long day at work I don't always feel like cooking. I don't necessarily need ideas on what to do with it (although they are of course welcome!) I just need to…
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Owner Of A Dissolved Company Demanding Money
A property management company managed a property for me for 12 months in 2007/8. The owner sold the company, and I decided to manage the property myself. 2 years later, in 2010, that same company was dissolved. This week I have received a demand from the original owner for money he claims I owe him for property management…
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Council tax please help
Please give advice. Having issues with Jacobs i received a letter through the door today to say Inventory and on it was listed my car my debt is £2000 and my car is worth about £500 are they likely to take my car i have moved it out the way and it was not outside the house this morning when they delivered the letter. My…
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help
need some advice to help me get out of debt. I have a fairly large overdraft, half of which is unapproved and am also maxed out on credit card. I am remaking payments on these but charges are swallowing these up and not clearing any balance. I have tried to do an 0% balance transfer for these but am being turned down. I…
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To tell or not to tell!
Hi One & All, Apologies if this is in the wrong forum. I have around £50k of debt made up mainly of CC's. I am at the point where I am struggling to pay the minimums, although I have yet to be defaulted (mortgage always paid, on time without fail). I am edging towards an IVA but would prefer to try and work my way through…
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Mental Health & Debt Twitter Chat 11am Wed 13 May
Hi everyone You may know already that we have a free Mental Health and Debt guide available for anyone to download. As part of Mental Health Awareness Week 2015, running 11-17 May, we’re supporting Stepchange Debt Charity and the Mental Health Foundation (MHF) in highlighting how debt can be a key factor in mental health…
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Debt has spiraled over the last 6 months
Hi All, I am currently very stressed out with my money issues at the moment. I am on a Debt Management plan and everything was fine until I found my self into arrears with other things such as Gym Membership, Car Insurance, and a multi payment pay day loan sort of thing. Thinking back i should have added these onto my DMP…
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Restaurant owes - Free Meal?
I have a restaurant that owes me money for some supplies, i have evidence of the order etc and they are continually avoiding me. What would happen if i went to the restaurant splashed out on lots of wine and food and walked out without paying? At the end of the day they owe me the money?
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Living the (eventual) dream
Hi there I have been in a pretty constant spiral of debt for about 20 years now. It all started merrily, when I had my first credit card and I had no responsibilities! I now have a husband and 2 gorgeous children, but have re-offended over and over to the point where my husband and parents have had to help me out massively…
