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Increase in bills
Hi, Me and my husband have recently been landed with a bill for near on £700 quid for a council tax bill from 2012. We were stupid at the time as we were running a pub and just didn't have the money. We moved and forgot about it. At the same time we got ourselves into debt trouble and have been paying everything off in…
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Self employed with credit card debt, do I use my emergency fund?
Apologies if this has been asked previously. Most advice I've seen regarding credit card debt advises that savings should be used to pay off the debt first. I currently have cc debt of £5500. £4200 is at 0%, the remainder is at 10.9%. I am paying roughly £60 more than the minimum payment each month on this card. I have a…
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Late Payment Fee
Today, on my door mat landed a County Court Claim form from a Vets Practice. We used there services just over a year ago. Yes, before I continue I agree this should have been paid for in the first instance and I have buried my head in the sand for some time. However, as stated on previous reminder invoice (2nd invoice)…
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How to find out how old debt is
How would I go about finding out how old a specific debt is. A little background info would probably help. I've known about my past debts for a while but only recently thought about paying them off. I've got two debts I'm being chased for but both have been sold to the same group: "Lowell financial ltd". One was for an old…
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DMP Help!!
Hey Everyone -- Newbie here! Looking for some advice on my DMP of anyone would be so kind to help! Entered into a DMP with StepChange back in Jan/Feb time. Total debts around £27,000 and currently paying back £716 each month. So far so good! In order to get rid of this debt ASAP I've picked up some extra work part time and…
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Removing default after fraudulent application
Hey, Funny story: so I get my credit score every month via Barclaycard and it was 800+ then shot down suddenly to 400, then to 200. I didn't think anything of it (stupid me) but I thought it was just a number and paid it no mind. So I recently discovered via a phone call from a debt collector that I've had 2 Tesco…
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Advice on best way to go
I have about 8000 of debt and it slowly goes up gradually. No job very little prospect of getting a proper one due to my town being in a state. Ive battled with this for years just getting by but its getting tougher and credit cards literally my only source of income when things get bad. Struggle to get by on dole money…
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Bryan Carter Solicitors "dissolved"? Who have I been paying money to?!
Hi, So a few years back, I set up a payment plan with Bryan Carter Solicitors. Ever since, £10 has duly been going out of my account each month. It occurred to me, that this has been happening for rather a long time, and when I find the original letter with the amount, it seems like I really must have paid them more than…
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HELP CCJ Claim on Statute Barred Debt
Hello all, I received a CCJ claim today on a debt that became statute barred in April 2015. I have been chased Cabot/Marlin/Mortimer Clarke for this debt, I have responded each time, I hadn't heard from them for a long time now I've suddenly got a CCJ letter. Not sure what to do.
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Sky/BPO Debt - Added fee confusion
Hi folks, hoping you good people can help me with something. I have a debt to Sky for roughly £130. I am not denying that I owe this amount first of all. Sky have BPO "acting on their clients behalf". I setup a repayment plan with BPO to repay this. However, after setting up this repayment plan, BPO have added £64 to my…
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Old CCJ, company changed ownership
Hi, Was hoping to get some help on what to do here. I had a CCJ on file which was put there probably about 7 years ago now but a solicitors firm. I was making regular repayments before i lost my job and things ended up being forgotten about. I not so long ago decided enough was enough and to sort my finances out and went…
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Do I pay off my debts?
I've recently divorced and have a lump sum of cash following sale of my house. I have 13K worth of debts in my name which are being administered through Step Change. I have bad credit rating, but would like to put that right and be in a position to apply for a mortgage in a couple of years instead of wasting money on rent…
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Overdraft debt- 17 years to pay off!!
Hi, I have a joint account with my recently made ex-husband. It has £1k overdraft on it which is my responsibility to pay off (we have divided our debts equally but the account has to stay as an open joint account until I can pay off the overdraft and close it). I currently work part time and bring in just over £1k per…
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Claim form from county court
Hello all, I have just got a claim letter from the county court asking me to respond, acknowledge etc. My question is that I am currently in the process of setting up an IVA at present, in which I have listed the claimant on. I only started this the other day and it's only just about to start being put in motion. How…
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Blemain(Un)Together Secured Hell
hello everyone, It's been a while since I posted here but it's good to be back! I have got a horrible situation with Blemain - now Together - and was wondering if anyone has any wise words/advice on how to deal with these crooks. In brief, I took out a secured loan with Blemain almost 10 years ago (this is certainly in the…
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5+ year old npower debt - but it's incorrect
Hi, long time lurker, first time poster here. In March, I received a letter from 'Past Due Credit Solutions' (PDCS) asking for £489.40 (original balance £349.57) for an npower electric bill. It didn't list the dates or anything. I called them and the advisor put in a request through npower for documentation. In April, I…
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Tricky situation need advice please.
Hi All, I am in a situation and need some advice on the next step. ok so I owe the following, WITHOUT LISTING ALL creditors TOTAL Debt is = £62181.65 as of May 1st. THIS IS MADE UP OF UNSECURED DEBT. LOANS, CC'S AND OVERDRAFTS. I AM CURRENTLY ON A DMP WITH STEP CHANGE. My salary is £1200 per month so I pay £240 per month…
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Being chased for credit card debt that has been paid in full
My son had a credit card debt with Capital One. I paid it in full for him as he was being threatened with legal action by county court for a debt of £1800, which with the fees was £1930. We paid a company called Weightmans.com in oct 2015for the £1930 (i have the bank statement). This week a company called Ruthbridge Ltd…
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Dead Parents Debt Urgent Advice
After our mothers recent and unexpected death we have found out that she owed a lot of money on items she purchaed from TV shows such as QVC, department store cards and catalogues, etc. Fortunately her bank overdraft was cleared and her bank account has been closed. We contacted as many companies as quickly as possible to…
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Credit cards please help
I have quite a bit of debt, catalogues, credit union loans and credits cards. I am determined to claw my way out of this. Most of my debt is manageable except the credit cards esp vanquis. I have 2 cards, Vanquis limit of 3.5k (it's over that now due to missed payments) and aqua 2.2k. Has anyone any experience of vanquis?…
