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Warrant of control please help
Hi I hope someone can help yesterday I received a warrant of control letter from PRA group re an old welcome finance loan, its something I should have dealt with but didn't due to ongoing health issues. The letter states that bailiffs will call and it was issued through my local county court I rang up PRA and spoke to a…
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Is it normal to feel like this?
Been a lurker here for many years. We have been on a dmp for the past 4 years with one more to go. Dmp started at £11600 and is now down to just over £3k. Our debt at highest was £19800 but we had managed to pay it down quite a bit before the boiler needed replacing and we ended up on the dmp. I don't regret taking the dmp…
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Full and final settlement wording
I'm not sure if this question belongs here, but it not perhaps one of the admins could point me in the right direction. As part of a settlement, I am having to pick up some goods. I want it to end there so that the person cannot find some other items and demand I pick them up. Can anyone give me some words that effectively…
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daughters debts
My daughter and her partner are in arrears with pretty much everything. My daughter is 21 and is about to return to work after maternity leave. She lives with her partner who works full time. I don't have any income details or list of creditors but just looking for some general advice to pass on. They are in arrears with…
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Debt Help and Full and Final Offers
Hi All I'm in a situation where i think i can make some steps towards becoming debt free and would like some advice on how to approach it. The current situation is as follows; 118118 Loan = £4,000 Barclays Overdraft - £2,000 (Moorcroft) Barclaycard - £1700 Mr Lender Paydayloan - £1,008 (SLL Capital) Lending Stream - £882…
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Moving out!! what to do with Debt?
Hello, So, gonna give some of the backstory. I was living in UK for 8 years, And now i am in debt for 16k £. I had decent job, and was paying every month for around 500£ for the last 3 years. However, recently i lost my job, gave it some thoughts and decided to go back to my homeland. Parents getting old and have some…
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Cleaning up a mess...
Hi, New here and straight in with a saga - any advice would be gratefully received. I had a business that didn't make it through the recession. In a pit of despair at the time I basically borrowed anything I could to keep it going, maxing the cards and adding a loan. When the inevitable came I was of course left with the…
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Entering UK with CCJ
Hi, first time on the forum, hope I'm in the right place. Hoping someone has some advice. I am living abroad and 11 years ago I had outstanding credit card payments. Believe it or not, I forgot all about it after I moved and recently remembered about it with horror. I've tried finding out who to speak to about paying it…
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Debt-Free Wannabe ASAP
Hi All, Gosh I don't even know where to start with this...... I have finally admitted to myself that I am in debt and need to do something about it. Bit of a back story..... I was due to get married this year, wedding booked etc. etc. and my fianc! called the whole thing off. Since this I have found myself in an…
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Getting back in track
I'm trying to get my financial life back together after walking out of my marriage and moving in with a new partner 12 months ago. The ex has shot my credit rating with a 'joint' debt that he has agreed to pay off.... he spent it on an old joint account I have a 200 overdraft that I max out every month, 2600 on a credit…
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Mortimer Clarke Solicitors Bank
Firstly my husband has a mental illness.............anyway an old debt, in hubbies name, reared it's head last month (reason it remained unpaid was due to incorrect balance from Cabot) Anyway online we admitted a partial debt which I have had confirmed from Mortimer Clarke solicitors, along with a whole letter about paying…
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I can see the light
In May 2016, my wife off 22 years passed away. This was discussed in an earlier post. Throughout our married life we have had problems with debt. She was a strong character and I did the usual man thing of just agreeing to things for a quiet life. For a long time she handled all of the bills and it caused a real humdinger…
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Terminally ill with debts
Good evening. I am currently on a self managed debt management plan and doing very well- thanks to a lot of help and support on this forum. I actually live in Spain now- caring for a terminally ill relative. It has come to light that she has a debt management plan for 3 credit cards back in the UK. She also has a business…
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Building my credit rating back up...
Hi all, Please do redirect me if this isn't the best place, however I am a debt-free wannabe (with a diary) so this is my most-used board! I currently have a loan (£20,043) that I am repaying (have made one repayment so far) which my Mum took out for me - this is not in my name. This loan was used to pay my credit…
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Old N Power debt - possible back billing issue
Hi All A couple of weeks ago I received a letter from Past Due Credit Solutions requesting payment of just over £1.5k for an account with n power at a property I lived in for 18 months between 2010 and 2012. Firstly the dates of the account are incorrect and are for a further 2 months after I moved out, secondly this is…
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Claiming arrears feom ex housemate
Hi, Hope this is the right place to post, I have recently ended a joint tenancy between myself and one friend and someone who was a friend at the start of the tenancy. The original friend who I shall call Dan owes myself and the other housemate 875 in arrears, this was built up as we all paid in extra on top of bills and…
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Help with Lowell please
Hi. Please bear with me and use simple language thanks. I am on a DMP with Stepchange and have been since March 2016. I have £34k unsecured debts. One was with Creation finance for a sofa we bought. In June this year, I noticed Lowell's name against my DMP instead of Creation. We received no notification of this transfer…
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Car Debt DIlemma from Newbie
Hi everyone. First post on here. Recently, I have been really impacted by this site - and Dave Ramsey too. I want to be debt-free and do all I can to build healthy financial freedom. I've finally realised how debt is not a friend, and want it gone. I have two loans - one is a 4 year 10k loan from Nationwide for bits and…
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In loads of debt and unsure where to start
I'm in a lot of debt, I feel really panicky about it and I'm not sure what to do. I had a major wake-up call a few weeks ago when I did my tax return and it made me face up to the fact that my business is hardly bringing in any income. From that I decided to write down all my debts and realised I've got over 11.5k in…
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Advise please to clear debts
Any advice please....we have debts of £55000, currently on a Dmp with sc. Desperate to clear these as they are having a huge detrimental effect on my mental health. I am no longer working and husband working overtime to cover everything. We have been offered £20000 to clear our debts (family member). Our debts are with 6…
