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Should I close my credit cards?
Hi all, Should I close all my credit cards? I am currently paying a number of credit cards (9!) on a monthly basis and making slightly more than the minimum payments on each. These have built up out of habit, lack of control and generally a lack of attention to the issue, along with being lured into 0%APR deals. I have not…
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Stay and suffer, or use a debt free service :/
Hi I have hit rock bottom. I have been bad for years but now have got to a stage where I have moved back in with my parent, and even with no rent or utilities still owe more every month than my salary. I am roughly paying out £2,400 a month and it is simply getting worse every month, not better and I cannot see any way…
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Need to tell Husband about running up secret debt again 8 years after the first time.
Back in November, I made the following post on another thread: Been fighting depression and debt since I first left home to go to uni, with only a few brief spells of solvency in between (I'm now 46). I've never handled stress or bad times well as long as I can remember. Not sure what triggered it. Eight years ago I came…
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SOA - go for it!
Hi everyone, I'm in debt to the tune of £11k. I have the funds to pay these debts off however as my debts are 0% that money is sitting in a bank account earning me interest until I need to pay it back. I am making the monthly minimum repayments so I am not being charged. So back to the SOA - Its been a while since I did an…
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Sisters debt my house.. Scotland
I'm new here, been reading old posts but need some help. Basically I live in scotland far from family. Due to ill health especially after I gave birth to my son my sister came to stay with me a few months at a time. So unbeknown to me she took out a few credit cards at my address. Fast forward to 2017 she has 3 credit…
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Pre-1998 Student Loan / Statute barred advice needed
Hi. A couple of years ago I started repairing my credit record. It is now good and 2 years ago my partner and I took out a mortgage. A few months back I started getting phone calls and texts from various companies alluding to student loans that I owed money for. I ignored them until I eventually got a letter. I rang the…
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Payday refund help please
Hello All Have only just joined the forum so this is my first post, be gentle! I've had PDLs from a few companies over the years and have just sent in refund claims, the companies involved are Wonga - 15 loans between October 12 and April 14, varied amounts between £40 and £460, usually paid off within 1 or 2 months with a…
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Debt collection letter for 15 year old child
My child got up to some dodgy dealings on paypal and there were chargebacks .... but now debt collection company has started sending letters .... What do we do? He has a very part time job (newspaper round), so could probably pay a small amount each month. Can the debt collection company come after us his parents? Really…
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B&S Bailiffs, Blackwood, S Wales
Hi all I'm looking get these people investigated for the way treat people including vulnerable ones. If anyone has any stories they would like to share the please feel free. You can either post or PM me I don't mind. I have serious concerns about their practices and would Love to able to take action. Thanks
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Urgent Help
Hi Sorry if this is in the wrong place, the only board I thought it would fit ins't open for new posts. I have an urgent problem. This morning I was visited by an agent claiming he was from Marstons acting on an order from the court. He was looking for a woman named on the order. The woman in question is the mother of my…
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Defaults on credit report
After looking at the threads on MSE I have come to the realisation that I need to sort my finances out! I have defaulted on some credit cards in the past, and at the time couldn't afford to make the repayments, as a result they were passed to debt recovery agents. I buried my head in the sand for a year or 2, but now had…
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Received Lowell Solicitors Notice of Intention to Enforce
Hi all I'm a newbie here, I received a letter today from Lowell Solicitors for a Notice of Intention to Enforce for a debt of £868.04 that I'm sure I don't owe. Can someone help me with what I need to do next regarding sending letter's requesting further information etc. Thank you :)
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Need urgent debt advice and not sure where to start
Hi all, I don't know if this is in the right place, so please delete if its not. I am really struggling with credit card debt, and I dont know how to get out of it. The debt started small, and has been creeping up slowly. I have around £11000 across 3 different credit cards, and I am really struggling to make the…
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What small DFW things will you do this week - w/c 11th September?
What small DFW things will you do this week - w/c 4 September 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…
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Please help CCJ!
I have received a CCJ this week in the post from Northampton court from lowell, for what I think is a very account for £900. The account was in my name but was not used by me, was used and controlled by my ex partner who was extremely abusive and violent towards me. I left this partner two years ago and have an injunction…
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Credit Union Loans - Experiences?
Closed - Issue sorted
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Warrant of control help!!
Hi all A little advice woyld be helpful before i go out of my mind I had a warrant of control issued for non payment of a ccj with PRA GROUP .it was a genuine oversight as i have two ccj with them at 2.00 a month and the other is set up DD for about 6 months. I thought both were!! I applied to the court to have the warrant…
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Getting a loan after DMP help.
Hello, first ever post 😬 We finished a DMP in April clearing just over £34,000 over the last 5 years. We have some essential work we need to carry out on our home, new boiler, front door, bathroom etc etc. We were hoping when our DMP finished we could go to our mortgage provider (Narionwide) and add to our mortgage as we…
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Please help - I have to move abroad (visa reasons), but have debt here
Hello experts, Thanks in advance for your help, your advice would mean the world to me! The situation is as follows: I have approx. £1,200 in debt with Lending Stream, across six loans. I've been paying this off regularly, all ok so far. I also have a £4,950 overdraft with my bank. I (used to) earn well, had a stable…
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Notice of Enforcement - Marston - Not my name
Hello Everyone So i have recieved the above mentioned document from Marston. Detals of the judgment say ' a warrant of control has been issued by her majestys court & Tribunals service - distress warrant 15/07/2009. The warrant has my brothers name but my address. I have no clue how this could have come about as he has…
