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What happens next? defaulted cc's, SOA & stepchange letter sent off
Hi, Just wanted to ask ''what happens next''? After finding myself way over my head in debt with a loan & 2 credit cards following a change in jobs (couldn't keep my sister's post in nhs as failed several exams needed to keep in post) I dropped down to a 0 hours staff nurse post - problems with young teens and an ex meant…
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Insolvent estate care home bill
Not sure if this is the right board, sorry if not. My dad died last year leaving no assets and overdrawn at the bank. (no house was in housing association, no car & very few possessions) He didn't have debt with lots of people just the overdrawn bank (about £400 overdrawn I think) who seem ok that there is no money in the…
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DAS - DPP (In Scotland) advice
Iv been looking into ways to control my debts better as iv fallen behind with a few of the payments on loans. Im not looking for an easy way out im just finding it a bit much right now as im already behind, with more due this month and my next pay not until August. With a DPP what will happen come December next year when…
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Debt Help/Advice
Hi everyone, I have got myself into what seems like a rather giant hole and I'm really struggling to think straight about this or figure a way to get out. I will add that this is my own fault, I have had a ridiculous attitude of worry about it later and that it will all work out in the end, but it has suddenly hit me that…
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Living like rich people?
Through my life I've known several people who are comfortably well off in Devon, some of them from families that have always been 'well to do". Now here's the odd thing, they don't spend much. Firsty they live in houses that have flag stone or floor boards. Traditional wooden windows with thick curtains. Very little in…
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Mon 18th July - What Small Debt Free Wannabe style 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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Partial Settlement
Hi All, Cutting a long story short I got myself in a bit of a mess debt wise and have around £1900 of arrears to payoff. I happen to have 1600 of savings which I was going to pay off my debts with. Some of the creditors have offered me partial settlements . What I was wanting to know is will this affect my credit score by…
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Credit cards - payment plan
Hi, I have been advised to post the following here, as opposed to credit cards: Hi, I have 4/5 credit cards who I am now contacting to set up a payment plan/settlement figure. In total there is 17,000 dept. Does any one know how I would do this? Can a company set it up? I was going to consolidate with a loan but most 'high…
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Lloyds collections
So last week called Lloyds customer service to say was struggling to pay loan and cc they dud an income/expenditure then said seen as had only 70 left each month they'd pass on to collections and told me they'd make a nil offer and advised me to cancel my direct debits with them ASAP, and said can arrange with collections…
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Advice needed on Snowballing debts
Hi all I've been on and off this site for years, but recently got seriously fed up with the amount of debt me and hubby have been carrying. Basically I've been in some sort of debt since my late teens and it's controlling our lives. I want the surplus from our wages to go into getting a deposit for a mortgage nd not…
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Full & Final does this sound right?
Hi, any advice would be gratefully received. I am in debt to the tune of 21.5k and have been paying £125 p/m into a step change debt management plan for 6 years now. My estimated debt free date is 2030! A relative has kindly offered a lump sum to help me out but I'm not sure if it's enough. I currently owe money to the…
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In DMP with Natwest but they've got Westcot involved
I've received letters from Natwest advising they have handed over the management of my payments to Westcot. I'm currently in a DMP with Stepchange and have been for the past 4 years, I've never missed a payment so I don't understand why they've done this and it's really worrying me. I don't know what to expect now, will…
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Link Financial CCA Request - Question
Having sent a CCA request to Link Financial for a CCA request, they have responded saying it could take up to 30 days for the request. The debt was bought in 2014 from MBNA and the acccount was from 2009. I've since searched a bit more for Link Financial and in many cases they hae responded to CCA requests but have also…
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Bit lost in amongst all these figures
Hi all Been looking/reading this forum for many years and have been inspired (at times) by the advice that is around ... however .... we've got ourselves in a bit of a mess with loans/cc etc. My plan is to complete the budgeting thing that is on line and clarify all debts but in the mean time I wanted to ask a quick…
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Sat 16th/Sun 17th July - What Small Debt Free Wannabe 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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Aaand I'm back - Still have a little Debt...
So, I log in and it turns out I get an 8-year badge, and my last post was in 2011. Even my Signature is out of date! Anyhoo, My situation has now changed, and I have differed debts, and a different target! I have £1114 in Credit card debt. I have very little outgoings - Gym membership, Netflix. Motorcycle Finance and…
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SKY debt from 2011
SKY have sold a debt they insist I had with them in 2011,Vanquish bank have bought the debt and are demanding £59. Yes its a small amount but I firmly believe it was paid end of 2011...Sky state it wasn't,and Vanquish when asked for proof of the debt insisted they don't need to prove anything...it's down to me to prove I…
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Moving forward
Hey all My partner has dreams of owning their own home. I have spoken to them about moneysavingexpert ways, which I have adopted, and they are making changes. If someone wants to own their own home but have been in their overdraft for over 10 years how long would they need to wait, i.e. if they were out of their overdraft,…
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Trying to negotiate a full and final settlement.
Hi everyone, I'm new to this forum and this is my very first post so please be kind :) :) Brief history, DLC bought my debt from Black horse for £18,000, Over six years ago. I have paid on time every month never missing a payment. The debt is now £6000. I contacted DLC with an offer of £1600 as full and final settlement,…
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RBS Accounts Switched to Wescot
Hi. Why would RBS suddenly change the management of three accounts to Wescot Ltd please? I've been making reduced repayments for all three accounts for some time before BRS contacted me to say that the management of these accounts are being switched to Wescot. Wescot appear to acting on behalf of RBS and the repayments are…
