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Worried about nationwide & charging orders
I owe around £10k in total to nationwide made up of overdraft, credit card & loan. They recently offered me a reduced settlement on credit card which I have not got the money to settle and would be unfair on other creditors. I am worried after reading threads on here they are gearing up to get a charging order as it would…
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Taking advantage of post Brexit %
Afternoon folks. Having a look around online at what's available and it SEEMS to be a good time to re-evaluate my outgoings. I have 2 accounts that I cant help but feel I am paying too much for. Both are very much managable at the moment but the possibility of chopping these debts down in terms of term / overall cost is…
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Stepchange DMP
Hi all I contacted Stepchange for debt advice and was told my two options were bankruptcy or a DMP as I had 34k of unsecured debts for a variety of reasons (but in summary yes I took them out and I was very foolish for doing so) stepchange did an income and expenditure with me and when I was giving them figures said "ohhh…
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Student Loan debt
My son has gone into work today deeply depressed having received a statement from Student Loan company, this includes a Tuition Fee Loan payment of £1312.50 for 08.07.15 (he actually withdraw from Uni in February 2015) In addition he has been charged 2024.43 in interest: 2012 6.60% 2013 6.30% 2014 6.30% dropping to 5.50%…
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Asset Collections intended Court Action
Hi there, i changed my number a while ago and seem to have a strict junk email inbox, so i have only just seen these emails and obviously not the texts they sent me. this is the email below any advice on how to proceed? thanks :)
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What are my chances of having a CCJ set aside?
Looking for some advice. I've been looking at applying for a mortgage and it's flagged up a CCJ I was not aware of from 2012. It's been applied by a previous landlord who I rented from when I was at university, the documentation was sent to a previous address (which I don't really understand as I was living at the rented…
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Trouble with Orange/EE continuous default on 0 balance
To cut a massively long story short. I have been fighting with these cretins for around 2 years. It started when Orange started charging for items included in my contract package for over a year I went back and forth customer services explain my situation over and over with them adding credits only for the next month my…
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Bluestone Issue - May have affected others?
Hi all, I had a default with a car loan that was bought by Bluestone Debt Management back in 2010. I have never missed a repayment whist I was on a DMP with Stepchange. I am still making payments so my account is still "active" with them. The default date was in 06/10 so it had dropped off my credit file recently along…
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British Gas Trading
Hi, I have recently discovered that I have two very archaic(opened in 2012) BG accounts that are showing defaults registered in 2014. I have a number of issues with this. 1. I moved from the property in Dec 2013 2. The account actually fell in to arrears in January 2013. I discussed this with british gas who agreed to…
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Pay a defaulted debt or interest attracting debt?
Hi, hoping someone can help point me in the right direction. A few years ago I lost my job and defaulted on a Barclays credit card (balance of approx. £8000). I agreed to pay them £50 a month and have been doing so every month without fail. I do have other credit cards, which are all up to date with payments. I am now self…
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1.6m families in 'extreme' debt
Millions are spending at least 40% of their wages on debt repayments, research has found...Read the full story: '1.6m families in 'extreme' debt' Click reply below to discuss. If you haven’t already, join the forum to reply. If you aren’t sure how it all works, read our New to Forum? Intro Guide.
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Help with Bristow & Sutor council tax arrear
Hi I've been reading this forum and a few others for the past hour or so. But I couldn't find the problem I am currently facing. I received an email today from Bristow & Sutor claiming that I have to pay an outstanding amount of some £900. The only thing mentioned is that is it the council tax arrears. I was a full time…
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appealing a benefit overpayment decision
I've received a £11,000 overpayment decision for a joint (my partner and I) claim for Income Support. I've followed the advice of the citizens advice bureau (CAB), and contacted DWP to request a mandatory reconsideration. My wife and I have a toddler son. We live with my parents. I have multiple sclerosis (MS). In late…
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Santander loan settlement
Hi, I have a personal loan with Santander. I went through a DMP but then came out and liaised with them directly. They froze the interest on the loan, which was taken out for £8k. I pay £90.55 per month and the current balance is £1871.19. I was thinking of writing to them and offering a full and final settlement of £750,…
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Debt with Barclays £13,000
My husband before I knew him entered into a crazy credit agreement with Everest windows at a rate of 24.8% interest and the debt is now with Barclays. Three years ago I called them said that he couldn't pay. He was in arrears and close to going bankrupt with various large debts at that point. They agreed to stop the…
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small (ish) mortgage with a poor credit file
I've asked this is the mortgage section as well but knowing that people who have been in my shoes will be looking at this section I thought I'd ask it here to............ I wonder if anyone has any recent experience who may be able to offer a thought..... Situation.... We may be looking to buy a house with my dad.....value…
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Backdated Energy Bill
Hi all, I recently switched energy suppliers (Npower to Scottish Power) for my DP. He provided a final meter read which resulted in a final bill of £1500 over a period of 9 months!! I called them and they say it's because they've been estimating his readings for the past 2 years. From what I understand, they can't back…
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Find out who my debts are with
So i have been burying my head in the sand for a while now and finally decided to do something about my debt. I rang step change and I told them i wasn't sure who all my debts are even with anymore. They said they can do a credit check on one address but I wold have to sign up to noodle to try and get my whole credit…
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Notice of transfer of proceedings
I received a CCJ in 2009 from Bryan Carter & Co and was instructed by Northampton County Court to pay it off at £10 per month re account Egg. This I have done on time every month since. I have now received a notice that says Notice of Transfer of Proceedings and very little else. It says 1st Claimant Arrow Global Guernsey…
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Fraud - possible prison!!?
Hi All, I'm having a panic and hope you can help! ok firstly i know i've been stupid - i can't really even give a good reason, but here's my issue..... i've always had bad credit over the years and had a bad credit rating..... and thus always had problems getting credit - on at keast one occasion i have entered a false…
