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urgent help with Avant credit
I arranged full and final settlement with avant credit on 19th June with a final payment to be made on 30th July. I made the payment and now on 6th August they have informed me that they passed the loan onto Asset collections on 5th July and I need to speak to them as the had the right to pass the debt onto them. are they…
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Extra Energy will not stop harassing me. Need some advice
OK, here is the short story: * Was with Extra Energy for a year, although I asked for a bill each month they never billed me. * Moved house and gave them meter readings, asked for a bill. No bill. * About 8 months later I got a bill for about £1,000 along with a nice call from someone saying it was payable in 3 day else…
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DMP Question.
Hi, I'm currently in a DMP with step change paying £305 per month however I have a 3 year old child and I'm living with my parents. Myself and my son are in 1 room and it's becoming an issue due to lack of space so I really need to find a place of our own. I'm due a review with stepchange and am considering reducing my…
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trying yo clear debt
Hi i have an outstanding account with virgin media and i called them today to try arrange a payment plan to clear the balance. They advised me i could not set up a payment plan as the account was closed and not an active account and that as the account is two years old they can set this up i offered a resasonable amount to…
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Partially settle defaults or not bother?
Hello! Looking for a bit of advice... I'm currently on a DMP with the following outstanding: HSBC C/Card: £275 HSBC old overdraft: £2100 Natwest old overdraft: £1379 Halifax C/Card (now with DCA): £1300 Barclays partner finance (now with DCA): £900 Pounds to Pocket loan (I know!!!) £150 These have all defaulted now because…
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Credit Services Association: we need your thoughts
Hi everyone We'd like to get your thoughts on something that could help you but may make some forum members feel uncomfortable. We've been approached by the communications agency for the Credit Services Association, the trade association for the debt collection industry to set up a verified forum account to help answer…
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Don't Know Where to Begin!!
Soo I'm relatively new to this so please be kind! I looking for some advice on where to begin, over the last couple of days I sat down and calculated all my debt which I currently have. I currently have £5,895 including, a student overdraft and various credit cards all of which have been passed onto debt management company…
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Debts over 6 years old
Hello We have several credit card debts over six years old we have been servicing through a DMP. cards which were defaulted ages ago and do not appear on credit file. One mortgage shortfall debt from 2012 which will disappear from credit file in 2018 (june) Must point out these cards were perfectly manageable on our budget…
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Help with court papers
I have just been given papers from sheriffs office from capquest for a debt I owe from 5 years ago what should I do
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Help I want to deal with Lowell and I'm unsure 😐
So basically I've been burying my head in the sand with Lowell since Sept 2011 which is when I last had any contact with them. At the time they had taken over a credit card debt to the tune of £3678. I agreed to pay £20 a month on direct debit and have never acknowledged anything from them or spoken to them since. The…
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:) What small DFW things will you do this week - w/c 7 August :)
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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Can't sleep...
Hello all..brace yourselves for a long post... I have been sat here, despite having just spent a lovely weekend with my OH, crying over something which has consumed me with incredible guilt and shame. I am, despite (that word again) having no dependants and being gainfully employed for all my adult life, 4K in debt. Now I…
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BW legal
Hi guys. I need some advice. I got an email the other day from a company called BW legal saying they are looking for me and have been given my email address but of it's not me to ignore the email and it's relating to a personal matter. I've had payday loans in the past which I have refused to pay due to their late payment…
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Looking to the future
Hello MSE forums! A lot has changed and is changing for me over the last month/next few months and as the dust settles I want to plan for the future and hope you lot can help me as you have previously. February this year me and my partner moved into rented accommodation and the last 6 months hasn't been easy. I went into…
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Changing our gambling son's joint account
My adult son is a gambling addict. When he was very young, and way before he started on his downward spiral of self-destruction, I setup a parent+child's joint savings account. In that account, I saved some of my income for him that I hoped would one day go towards helping him get on the property ladder. Unfortunately, he…
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Balance transfers ?
Hi guys .. since the end of may when I decided to debt bust (with loads of help from you lot !) I have managed to clear 4 cc .. whoop ! question is though .. I have one card with a balance so I'm thinking of trying to get a transfer to a 0% offer as currently a whacking 26% I have cut up the old cards that I cleared but I…
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Use pension to pay off debt?
Hello, My partner and I have accumulated a mixture of debt which is now a total of £17k. This is a mixture of credit cards, one store card and one loan. With the credit cards we have moved things around and are on interest free for them all. I also have another cc which I have used to set up my business which has a balance…
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MMF asking for extra info
Hello, Last year, I was bothered by MMF about a loan which is not mine, but had my address. I sent the letters that are listed elsewhere (the prove it letter and the leave me alone until you can prove it letter) on this forum (the last being 19/06/2016). Today I received a letter stating: This feels like a thinly veiled…
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Is there a forum/thread anywhere for mortgage arrears discussions?
Was wondering if anyone could direct me to the right space in which to discuss mortgage arrears difficulties? With thanks
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Mortgage arrears - anyone been there?
I can't pay my mortgage or my secured loan. My husband and I have both lost jobs with our Ltd company when it went into liquidation recently. Both on benefits and frantically seeking jobs. Both lenders are being very understanding for now.. I have three months from both meantime. The mortgage co then said they would issue…
