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Vulnerable neighbour - Bristol & Sutor
Bristol & Sutor have sent a letter to a vulnerable elderly neighbour regarding a Council Tax debt, which vaguely threatens the future possibility of entering the property and seizing his goods if it's not paid. It's not a large amount (<£200), but I'm unsure of best way to tackle it. A council dept manages his money for…
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Full and final settlement question
Hello, To cut a long story short my partner has a shortfall debt to deal with as the home he jointly owned with his ex was repossessed. He has made them an full and final settlement offer of 10% of the total making it clear the sum offered was to be obtained from family. The debt collection company (Enact) have emailed…
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Almost there
Hi all, just a quick back round for you. Me and my wife are currently working towards being debt free (apart from the house). After a few years of us being a little free spending and me making a few bad choices. We shall be out of debt in 12-18 months and we plan to be start to save again. We have used a good chunk of…
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Corporate consortium
Hi Guys, My partner (starting to regret allowing her to move in!) has today received a letter from: The Corporate Consortium Capitol House St Marys Road Watford WD18 0RR The letter simply states that during her employment with The Co-op (which was well over a year ago) she was overpaid holiday amounting to nearly £400…
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debts not on credit file.
I am finding it really hard to find some of my debts as they are not appearing on my credit file, is this normal, I am aware some have been passed around DCA's several times but I know they are not yet statute barred, ive placed them on my DRO application but I cant actually find any evidence of them at the moment??? Any…
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CCJ and Default Credit Card Advice Needed
Morning. I need some advice regarding a CCJ from 2013 and a default on a credit card. The CCJ is in the region of about £400 and the default is around £500. I am hoping to be able to buy a house in the next year, so its about time i scrubbed my credit file free of all the bad decisions i made as a student. What is the…
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Friday 10th June- 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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I need help and advice
Hello I have been far too scared to deal with this until now, so bare with me. I seem to have got myself in to a pickle as follows Card one £8829.88 - 26.43% interest paying the minimum about £210pm Card two £17.619.89 - 29.9% interest paying the minimum about £530pm I earn over £46k a year and today the card one sent me a…
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Feeling so down its all gone wrong
Oh I just don't know where to start I've been with DH 10 years now, we had small debt from moving in together (overdraft of 1500 in his name) and it spiralled from there. He worked full time earning 19k. I only worked for a few months as I then fell pregnant and was on bed rest, but during the time I worked I was offered…
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Moorcroft group CCJ
Hi. Sorry if this is a regularly asked questions. I've signed up to get some advice. 2012 I had an outstanding balance with Next that passed it to Moor croft group who obtained a CCJ against me. I never received the payment and in denial I hid from it and I've later found out Moor croft returned the debt to next who sold…
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Thursday 9th June - 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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Desperate for help.
Hi, hope this is in the right place and people can give me some advice. My brother has managed to get himself into a financial mess. After months of things getting ever deeper I managed to talk him into contacting stepchange, they set up some sort of payment plan. I breathed a sigh of relief because it's me he runs to and…
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Those lovely Jacobs bailiffs
Hello everybody I am new to the forum and seeking a little advice I have received in the last two days two letters from those lovely people at Jacobs bailiffs for outstanding council tax which I'm struggling to pay I have nots call them or responded in any way but I have not entered my property so I know that they cannot…
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Earning arrestment Stirling park.
Hi, i received an earnings arrestment through the post on Monday for council tax from Stirling park I have been paying this every 4 weeks at £70, I phoned them straight away and the man said he would cancel it and to phone on the 17th and pay as usual, I've phoned 3 further times and been told it has been cancelled but I…
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best debt help to go with?
who is the best to go with i have roughly 9000 debts and i need help.. advice please
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MSE News: StepChange's debt research reignites calls for 'breathing space' scheme
Stark survey results showing the poor treatment of people in debt have reignited calls for a 'breathing space' scheme...Read the full story: 'StepChange's debt research reignites calls for 'breathing space' scheme' Click reply below to discuss. If you haven’t already, join the forum to reply. If you aren’t sure how it all…
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Payplan Additional Products
Hi All, I have my annual review with Payplan coming up & I'm wondering if it's worth cancelling the 'additional products' I currently pay for. These are: - Payment cover (which covers my debt payments at their current levels for a certain period if I'm ever off sick or made redundant, excluding being signed off for…
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Wednesday 8th June- 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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Marriage Breakup / Debts / Secured Loans / Frightened
Hello everyone I am trying to help my younger sister who is going through a rough time at present and doesn't know where to turn. I hope this is on the correct part of the forum. Her husband has left her and the family home, they have 4 children, 4 of which are under 18. They have a house, which is mortgaged and I suspect…
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Feeling lost and hopeless with my debt.
Hi everyone. I need help I have about £24000 worth of debt and struggling to pay bills since partner lost her job. Don't want to enter into iva or dmp if I can avoid it. But I don't know what to do as more is going out than coming it. Thanks in advance Xanderking
