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Sold house to clear debt - rental check help
Good morning, Ill try to keep things short but would appreciate any advice any of you could share from experience please I earn 34k, have outstanding debts of 24k. My partner is self employed but all debts have always been in my name. Luckily my house has sky rocketed in value and has sold last week with an astonishing 48k…
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Saturday 23rd & Sunday 24th April - 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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Can you send a prove it letter at any time?
Can you still send a prove it letter at any time (its been years and have been paying then though Gregory Penninton) ? All my accounts are shown as settled on my file - my default is due to drop off my file in a few months. Will doing this impact my credit file? I want to know who is looking after each of the debts.
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HMRC Rossendales
Back in 2011 i split from my husband and when doing so i stopped my joint tax credit claim and started a single one, they sent a letter stating that there was an overpayment on the joint claim, which i was told i only needed to pay half of, I set up regular payments and paid it off between October 2011 and July 2012 - all…
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Vanquis Bank
I am asking for some advice please. I have had my vanquis credit card for approximately 7 months. I have made my payments on time, not defaulted, and kept within my limit. However, since March, I lost a part of my benefit income. Vanquis knew at the time they gave me the card about my finances. I told them I was getting x…
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Claiming overpyment to DWP
Hi guys I need advice we have just discovered we have paid a debt back to DWP TWICE!!we have called and they are investigating can we demand the money back we have proof of payment and can we ask for interest or compensation ? As they took it from my husband's wages Any advice would be great Sandee
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Shop Direct (Very) account
Good morning all, I was wondering if anyone could give me some advice. I had a store card with Very which had a total of £1800 on it. I got into difficulty keeping up the monthly payments whilst at university and Shop Direct put me onto a payment plan. I was paying off the balance slowly as they froze the account and all…
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Friday 22 April - 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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DIY DMP after stepchange
Hi everyone I'm a newby to this. I have been in a DMP FOR 10 years personal debts. My wife and me have an NRAM TOGETHER MORGAGE we've sold the house and now just have loan part. Stepchange want me to include this in my plan which will effect my wife's credit. They seem to be pushing me into an IVA. Which I don't want to…
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Bailiff enter home for other persons debt
I live in a very quiet village and normally don't tend to lock my back door. Today i got home from work to find a bailiffs letter on my sofa for an outstanding debt from an old tenant. I was't best please that someone had been wandering about my house without my knowledge and recording videos. I understand they can gain…
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Swappinig Energy Supplier Whilst on DMP
Hi My current energy plan is coming to an end in June and I've been looking around and different suppliers. There are a lot coming out cheaper and I wondered whether it is a good idea trying to swap whilst on a DMP. I presume a new supplier would do a credit check ? Wasn't sure if they are likely to turn down the…
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Arrow Global debt advice
I have just rang my credit card company to sort out a card I have with them. They have advised me that as its been 180 days without payment they have sold my account to Arrow Global and Arrow Global are now dealing with it, and gave me their number. I have had no contact from Arrow Global yet, although its only a few days…
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Overdue HMRC debt (to say the least) - bankruptcy threatened
I've been massively useless for the last 7 years. I've been self-employed, made very little money, and not paid any tax. I'm eternally optimistic and figure everything works out ok in the end, so I've mostly ignored this problem. Every few weeks a letter'll turn up from HMRC, and I put it in a pile with the other ones.…
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Anxiety / help required
Hi. I am new to this board. Mods, I apologise if this is in the wrong section. In short, I'm in my late 30's. I have had to move back home with the folks, and work for an insurance company earning less than £20,000 P.A. I have debts that total around £25,000. All credit cards, no loans. I have chronic anxiety and…
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Payplan not taken payment
We had our annual review on the 18th and have increased our amount. Our DD was due to go out today which it did'nt . I have rang Payplan they said we should have been told the DD was to late to change this month. But why wasn't the old payment taken this month??? Any way will check bank account tomorrow if not taken will…
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Morally right or wrong, my head can't compute
I'm in the process of CCAing some very old cards and struggling with my head, which is silly I have no issue with people going bankrupt and wiping debts I have no issue with those on DRO or IVA or the like and wiping debts I have no issue with offering partial offers as settlement and wiping debts Why then do I have an…
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Halifax contact help please
Hello, I am looking to email and post a letter to Halifax. They hit me with a default three years ago which was made up of unfair charges. I want to go to the top dog so to cut out the middle man (unless anyone else has other suggestions) and wondered if anyone has the contact details please? Both email and/or address. I…
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Thursday 21st April ~ 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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HSBC Telephone Banking
Ahhhhhh! Been trying to get through to HSBC for the last two hours! I want to make my FINAL payment on a loan and they're just not answering the phone. They have got the worst customer service in the world and last time I had to call them it cost me £14 because their "customer service representatives" are so useless. Funny…
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Lowell group debt, that I can't remember
I decided to sign up with Annual credit report online. I have 3 lots of debt from Lowell group, I know I had one this was around 5 years ago or 6 with very. I'm sure I had paid them off but I can't think what the other two are! I've never had a credit card and I'm always able to pay my bills on time (luckily) The first one…
