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Mother's debt
Hi All, Just looking for some advice. Sorry this may seem a long convoluted story! My mother who is in her early 70s has I think about £25000 debt on credit cards, overdraft, loans. She has had debts like this for at least 30 years. She separated from my dad about 30 years ago and they never divorced. About 15 years ago…
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Barclays "default" when it's not a default.
Hello MSE forum. Some 6 years ago my life went to pot. All my cards, defaulted and such went on payment plans. After that, I did a degree, did very well in that and life is much better as a result. Actually have a career, that pays me enough to live comfortably, rather than a job where even 39 hours on minimum wage wasn't…
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Buckle down or take it easy
I would be extremely happy if you can help me. I have been in debt for the past 12years, paying it almost off, then accumulating more, not much to show for it, the usual story... However since December I have taken it far more seriously and cut all the unnecessary expenses, like gym etc... And made a really good dent at…
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Buckle down or take it easy
I would be extremely happy if you can help me. I have been in debt for the past 12years, paying it almost off, then accumulating more, not much to show for it, the usual story... However since December I have taken it far more seriously and cut all the unnecessary expenses, like gym etc... And made a really good dent at…
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Time and debt reduction
Does anyone else ever feel that it is the 'slowness' of debt reduction that gets them down the most? I am now paying a DMP that started at 26,000 earlier this year. I keep kicking myself thinking 'why didn't I do it earlier - a year before, or even 2 or 3 before....grrrr. Given a rather low starting income, my plan only…
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Default & CCJ - Advice.
Hi, Around 6-7 years ago I was somewhat careless and unemployed. To settle my debts I had resorted to Payday Loans and got caught in a downwards spiral with high interest rates I couldn't keep up with the payment and sadly today am having to suffer for it. I had (2) pay day loans which are now defaulted (2011), that same…
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Provident loan
Hoping someone might know the answer to this one. My MIL has a Provident loan which costs her £30 a week. What are their fees or charges if you repay a loan early? Anyone know? Thanks
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Confusion over 6 year drop off rule
I went to citizens advice for some advice re full and final settlements or pay small monthly payments to prevent the worry of a CCJ as is 5 years since the default was recorded. They told me that they will only drop off my credit file 6 years from when I last made contact or payment, is this true as I thought it would drop…
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All change... maybe...
I've decided to re-awaken my alterego on MSE as too many people know me and would soon be poking noses where I might not want them - This is here for my courage, to get advice on things I can't openly ask at the moment... I'm married, I am a mum, I work and I'm probably going to be getting a divorce. I say probably because…
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Please verbally bash me to quell the urge to buy the new iphone
This isn't a joke - this is why I get into debt. I really want something and the urge takes over. I really really really really want an iPhone 7 Plus. I'm doing the thing where you justify the want just because you want it. I really need someone to "shout" at me. I don't have the cash - it would go on Very account, a…
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CCJ dispute
I am in the process of sorting myself out debt wise and I have got my credit report from noddle and I see that there is a CCJ listed on there as active, but I have settled this some years ago and noddle say they can't challenge it with out evidence from the court it's been settled, I am just not sure how I get this info?…
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Dukes Bailiffs Calling to Collect A Council Tax Debt
A good friend of my family has been visited on a number of occasions recently by Dukes to collect council tax debts on a previous property. She has been giving the bailiff cash just to get him to leave yet he gave her no recipts when he took this cash. Her other half is a bit of a waster and is hardly at home and they…
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Drydens & Arrow Global
I need some advice on an old cc debt that was sold to arrow global over 6 years ago. No payment or acknowledgement has ever been made to arrow. The last payment to the original creditor was made over 6 years ago. Drydensfairfax are seeking payment or they will take me to court. I have said this is statute barred, however…
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Debt
I have a debt management plan but its not going down so fast how doing get out of this the best way thanks
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I've just had a phone call from a dodgy company
Some Indian call centre claiming i could take advantage of a "government loophole" to pay back less of what I owe. After a bit of rambling it turned out they wanted to offer me an IVA and claimed I would save lots of money doing that. First of all is an IVA even suitable if I'm on ESA and PIP? I thought it was only for…
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Pending CCJ
Any advice is most welcome. Going back to 7/10/10 when I missed a payment on my catalogue. My husband and I applied for an IVE but because he injured his leg was off work we had decided to not go ahead with IVA. To cut the story short the marriage broke down I had mental health issues and medical problems.. With the help…
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Men, how do you feel about discussing money and debt issues online?
Hi everyone! Polly Mackenzie of the Mental Health and Debt Policy Institute is going to be speaking at an event in Brixton as part of the Open Festival at the new Health Foundry. The event aims to explore how men talk about money and consumer rights online. Ie how difficult/easy do you find it to open up about your issues,…
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Wescot ignoring?
Hi Everyone, My partner sent a F&F to Wescot offering 40% of a £1592 debt. now considering he's been on a DMP and they have been receiving regular small payments each month they continue to send letters stating they haven't heard anything from stepchange. He must get a letter each month stating the same thing. However…
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What makes people ask for advice in this forum and not via a bank or something?
Hiya, Just interested to know what makes people visit a forum like this, or rely on it for finance advice from their peers, rather than going to a bank or something like the money advice service or citizens advice or something?
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What constitutes adverse credit?
HI, I am posting on behalf of my friend who is planning to apply for a car lease. The lending criteria states 'no adverse credit' in the last 5 years. What does this actually mean? He has a few late payments where he has paid a few days late. These show as a '1' marker on his credit report. Does these slightly late…
