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Will an AP with payday loans affect credit score?
Hello! Please be gentle with me as I know that this is such a non-problem compared to many others but I just need some advice. I'm currently trying to tackle my debt head on and have spoken to Step Change and asked for some advise. They've suggested a DMP and my £7.5k debts will be cleared in 2 years and 10 months, which…
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Shoosmith on behalf Arrow Global
Hi all, I was wondering if anyone could help. I have today received a letter from Shoosmith on behalf of their Client Arrow Global for an MBNA credit card I had around 2009. Quick summary, about 10 years ago I (for various reason) got in all sorts of debts about 35K. I went via step change and got onto a DMP which is still…
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The Post Office, Jefferson Capital International, BPO Collections
Yesterday at 3.04pm i had this email....... "Important information regarding your Jefferson Capital International account - Please Do Not Ignore Dear ******** BPO Collections have been instructed by Jefferson Capital International Acquisition to recover the outstanding balance of this overdue account which currently stands…
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Reducing credit card debt/applying for balance transfer
I've been on the phone to banks and credit card companies all day as I'm looking at applying for a new credit card in the near future and transferring some of my existing balance over. I've been struggling with low credit score for over a year, but thankfully it has now normalised as I had a delinquent account which seems…
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So..any advice welcome
We have dug ourselves into a hole. Our own fault, hands up admit it. Just don't see a way out right now. Our monthly payments on everything have spiralled out of control and left us with very little to live on. E.g. We have £10 left and 2weeks until pay day 😢 We owe approx £15k. We have missed no payments at all, but we…
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Off on Sick. How do I cope?
Hi, I have been off work for a while with a mental Illness, all of which has been brought on from work. It all started last August, and to cut a long story short they paid me full pay, which we were very grateful of. I managed to get back to work in the February. Things went great and then my boss started to put more and…
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A new start but some help needed
Afternoon all, I would appreciate anyone taking their time to read this as im in a pretty dark and lonely place right now when it comes to my financial situation. At the end of last yet my wife walked out on my for someone from her work which left me in financial trouble with existing debt and then having to pay my way out…
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Dmp mess
My dmp is in absolute state. For the past few months I've been going through a bad time at home (no excuse just what's happening) and have had to use payday loans and other forms of credit it get by and now it's all a mess. I don't want to ruin my dmp but now things have settled and we're back to normal I'm left with the…
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capquest advice needed
I had to google this company as I have never heard of them, and it says it is a debt company. The thing is they keeping ringing my boyfriends mothers house phone number and asking for me by name.my surname is different from hers and I don't live there as I have my own place. no letters from capquest have been received at…
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Whats best?
Im looking to cut my debts. Is it best to get a credit card to swap the balance of another one? Or to pay extra a month? I know the apr on one of my cards is 26% would it bebetter to get a low one?
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Chased for debt that's been paid
Hi, I ended up owing money for tax credits overpaid, I genuinely forgot to pay until I had a letter from a debt collection agency- Advantis. I've paid the debt in full and have an email receipt for this. Though I am still receiving messages and letters threatening that it's my last chance to pay the debt or they'll send…
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Drysdenfairfax Solicitors
Hello - I'm after some help please if possible. I received a call 2 weeks ago from Drysdenfairfax Solicitors saying I have an outstanding debut of £249.49 - This debt is apparently from a catalogue in 1999! I told them that I know nothing about this and if it is in fact from 1999 then it would be past the statue of…
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My debts & joint mortgage
How would my debts effect my partner, and our chances of getting a better deal come mortgage renewal time? I'm at the point where I really need to engage with Stepchange, but I'm scared on how going down that road will effect our chance of a better deal come mortgage renewal time in another 18 months or so. Also, if we…
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PRA Group - Another Unenforceable?
Hi January, Sourcrates and all.... I've just received a letter in response to my request for a CCA on my Barclaycard account via PRA Group. This letter is worded slightly differently to the last one they sent where they said to due the age of the debt they couldn't provide me with copies of the agreement. This letter says:…
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Its been a while
Well lovely people, Im back! Its been way to long and since Ive not come here everyday my spending habits went right back to where they used to be - seeing money as fun tokens rather than a way to get more money (if I had invested every pound I spent on vodka into schmirnoff the company, I wonder how rich Id be today). But…
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Do I have any rights?
Hi all, OK so quick explanation, years ago I had credit accounts, cards and catalogues, all was well, managed them well for years with no issue. Became unwell both mentally and physically and got into debt, behind on payments etc. Despite have the insurances they did not cover me for illness due to being self employed,…
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LGO decision re Bailiffs: Vulnerability, Direct Payments and Pro-rata
The following LGO decision (which was only released this week) is a vitally important one as it deals with a number of misconceptions and inaccurate advice regarding bailiff enforcement. For instance, this decision addresses the following misconceptions:
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What small DFW things will you do this week? W/C 8 May
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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Studio Cards / Ace
Hi All, Newbie here. I'm currently working with the National Debtline to sort out my horrendous debt issues - they've been fantastic! I've been advised to send out a couple of hold letters, which I'm currently doing through their website. Does anyone know the addresses for Studio Cards / Ace? I've trawled the Internet, but…
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CCJ Advice Please
A friend of mine has been contacted regarding a debt, it's a bit confused so I'll try to keep it succinct. Arrow contacted my friend by letter in 2015 at an address where he no longer lives (his parents still live there). The letter has only recently been passed on to him. The letter claims that he owes a debt of approx…
