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Car illegally seized against PCN, legal option?
Hi there, Was prompted to post on this forum, hope y'all can advise.. This is complex, but I´ll try to keep it succinct. I received a number of PCN's from Brighton and Hove City Council. All whilst working in one particular street. I do not dispute the PCN's themselves, I know thats a lost cause. However.. The PCN's were…
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How would you do it?
I am looking to clear some credit accounts and free up some money over the next few months/years. I am looking at the accounts I hold, there's a lot and I am paying them all I am just aware of how far I may become stretched financially. So I want to overpay to clear and close. Do I start with the smaller accounts and work…
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Myjar/TXTLoan Screw up
Well this is very interesting, in 2011-2012 ish i took out the following loans which all paid back as you can see.... What i find interesting and i never realised this till now (or remember, either one) that i took out a loan for £300 on the 2nd and yet somehow paid £496 a few days later? there are no other transaction for…
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Living situation - London - options
Hello Fellow Debtbusters, Hope you have all had a Merry Christmas? I am currently reassessing my living situation. I moved back in with my parents a year ago to focus on busting my credit card debt. I now have the last £500 to go, and have started looking at moving into shared accommodation. The other option is to try to…
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Advice needed for me and my family
Hello! About 6 months ago my dad revealed to my mum that he is in quite considerable debt to credit card companies. I'm not sure of the time frame but at the point of revealing he had amassed a debt of around £50,000 across 6 credit cards. After revealing this he went to a debt charity who spoke to the credit card…
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DMP and sainsburys
So I have been on a DMP for 5 years now, with the monthly payments going up and down. 1 of the debts is with Sainsburys for a credit card. Has anyone ever had any luck negotiating a F&F offer with sainsburys? That is the lowest of my 4 debts, and the 1 I would like to get rid off first, failing that, it would be PRA group…
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CCA questions.
Hi, 2017 is going to be the year I get my debts paid off. I don't owe loads maybe £3000 max of my own and my husband owes around £3000 so not huge amounts, but it has been increasing over this last year and I want to put a stop to it now. My questions are relating to some of the old debts that I have, that have been sold…
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Bought car with finance on it
Hi. Couple of months ago I bought a car from private seller. I've done a basic HPI check (if not stolen, insurance category etc) which unfortunately didnt include checking finance. Now I wanted to sell that car and I found out that previous owner had a finance on it. Company called 1st Stop Car Finance says I cant sell it…
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Which Debts to pay
Hi All, Looking for some advice on what to do with an up and coming lump sum of money. The idea is to reduce debt as much as possible but want to make sure it is the right debt long term and not just picking the highest amount I can pay off. In summary I have 13k coming to me in a couple of Months and have significant debt…
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What small DFW things will you do this week? w/c 26 Dec 16
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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What small DFW things will you do this week? w/c 26/12
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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Need Help with CCJ (I think that's what it is)
I got handed a letter the other day from my neighbor that seems to be a CCJ the date has gone past the payment date and I never got any claim forms to my address It says I have to pay £50 per month and I can't afford that on benefits. The letter has told me to pay to lowell so I have tried to contact them. I'm very…
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An Extremely Unfestive Offering (Christmas is not compulsory)
Wreck the credit, blue the lolly Fa la la la la, la la la la, Read the statements, cry, "Oh, golly", Fa la la la la, la la la la, Bust the limits on the CC's Fa la la, fa la la, fa la la Wail, repent all through January, Fa la la la la, la la la la.
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Cancelling DMP
I've been on a DMP with Stepchange for 2 years now, and only have 1 payment left, due to be made on 1st January, I've kept my payments at the same level the whole time, despite in September I went part time at work so my income reduced from £1200 a month to around £800. I've still been paying £350 a month, thanks to my…
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Asset Link Help
Hi all, I've just received a letter from Asset Link to confirm that Barclaycard has assigned my account to them with an outstanding balance of £xxxx. This happened just after Barclay agreed my payment plan with them and they promise won't sell the debt to another company. Is the anything that I can do, or just deal with…
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Pcp car help
I have 2 cars on PCP, I want to avoid having to pay off negative equity at the end of the deal. Is it a good idea to make over payments on these loans? A though I had is that if I don't make over payments, I may be able to negotiate the negative equity when I buy the next car which I intend to do rather than make the final…
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Any advice welcome - SOA included
Trying to kick the debt!! Not much left over at the end of the month although this does vary as Im self employed. Statement of Affairs and Personal Balance Sheet Household Information Number of adults in household........... 2 Number of children in household......... 2 Number of cars owned.................... Monthly…
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No spend January
Hi Everybody. So i think i may be becoming an anti-consumer. I love the idea of having zero debt and i dont like the damage that is being done to the planet for the sake of the economy. Recently my Iphone 5s contract was up and instead of upgrading to a 'shiny, bigger, better' phone i just went on to a sim only plan and…
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advice needed with just about everything
hi there iam new to this board so please excuse if i do or post anything were its not meant to be, to cut a long story short im 22 and have around 40 thousand pounds worth of debt from really bad decisions bad money management never understanding the true value of money ive not too long been out of a really unhealthy long…
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Barclays unpaid default
Hello, basically in 2013 I got in a lot of debt and my finances went out of control. I was a student with an overdraft with barclays. Stupidly I didn't pay my overdraft back, and when I received letters from Barclays I just ignored it and buried my head in the sand. From this I have a default on my account, I remember my…
