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CCJ - Variation of amount
Evening all :beer: After 10 years of paying off a substantial amount of money to all our creditors via a DMP we are finally seeing the light at the end of the tunnel! One of the debts we have is a CCJ that was set by the court (and paid every month for 10 years since) at around £35 a month. To put that figure in context we…
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Robinson Way fishing trip
Hi all A bit of a blast from the past in the post today - I had a letter from Robinson Way saying they were trying to contact me at a previous address blah blah and to phone them I can't get in to any instant online CRA files (as I've always had verification issues for some reason) but I did see that my MSE credit matcher…
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DMP Can I make an offer to pay off a credit card
I've been in a DMP for 2 years and I have paid off over 8k of my debt (nearly half). I have 3 credit cards on my plan. The lowest one is for M&S with just over £1000. My relative is gifting me some money soon. Can I write to M&S with a percentage offer to clear the debt and close the account? If I can is there a standard…
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Student Loans Confusion
Hi all On July 2015, I called the Student Loans company to find out my balance. My balance at the time was £23,075.80. I called them today expecting a significant decrease and my balance was £22,120.88. That's only a £954.92 reduction. How is that possible? I've never been unemployed since that period. And at the time,…
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Signature required for two letters to Owner/Occupier
Obviously until I go any collect the items from the PO tomorrow I will never know what they are, but I just wanted to know if any companies are playing nasty tricks to get the name of occupiers at the moment. About 11 years ago I had some old debt. All barred now, nothing on my credit files anymore. Odd behaviour like this…
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Tackling old debt
I've got 3 old debts that I pay via payplan and I'm not sure how to get rid of them quicker. Currently the arrangement will still be going after I die, its so long! I thought of an IVA but that's going to impact my husband which I don't want as the debt was mine before I met him. I could increase payments but it would…
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letter from Arvato for debt i don't have
i have had a letter from a company called Arvato stating i owe £243.58 regarding paypal. I have phoned paypal and have no outstanding balance. I just wondered if anyone else had heard from them and what best to do. I don't want to keep getting letters or worse
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What's CIAS? British gas Old debt help
Today I discovered I couldn't open a basic current account due to my credit rating being poor. I couldn't understand why so checked Experian and found British Gas have put me down as missing payments and owing them money for the last 3 years. Since after I notified them I had moved out of my old house. After talking to…
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IVA Bank Fees?
My partner has recently cleared her IVA. Well done her.. :T Soon after we first met I urged her to change her bank account as RBS were charging her a management fee of around £15 a month. Barclays allowed her to open an account and done the same job with her money as RBS yet it was free.. Was RBS right to charge this…
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Cheapest way to pay off a loan
Hi People! I am trying to get my finances in better order by reducing/moving my debt in order to pay it off quicker and was hoping for some advice as I am a bit lost. Affordability of the repayments is not a problem, I'd just like to clear the debts as soon as possible and as cheaply as possible. I have a credit card with…
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Should I sell my house to pay off debts?
After some advice... I have currently accrued approx £16,000 of debts on credit cards. I have approx £45k - £50k of equity in my property. I am thinking of selling this house and purchasing one for approx £22k less, therefore giving me money to settle the credit cards and use the remainder for the purchase and selling…
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I'm getting harassed by a debt company for a gym membership (Gymetc)
Hi guys I'm new here, I would appreciate some advice on how to solve this problem, Around 4 months ago me and my partner signed up for a gym deal it was a 12 month direct debit but the first month was free. As we never went to the gym we cancelled the direct debit before the free month ended. I phoned up the gym and told…
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Where do I start ?? Desperate for reasurrance.. SOA now attatched
Here I am again.. 12 months down the line from when I last posted here.. Been on a horrible roller coaster last 3 weeks as I have asked my husband to leave. He is living locally with his sister. Married 13 years he is 47 I am 43 daughter of 9. I am relieved our marriage is over as I was desperately unhappy as he was not…
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possible statute barred debt help please
I've got a debt that's over 6 years old. The creditor has sold this onto a collections agency. They are still adding defaults onto my account since Apr 15. Is there anything I can do?
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Paying off overseas debts vs UK ones
Hello all. I have some debts overseas (mortgage in New Zealand) and some debts in the UK. The New Zealand mortgage is borrowed at a higher rate of interest than the UK. Do the usual rules apply here i.e. should I simply pay back the debt being charged the higher rate of interest? The reason I am asking is that the pound is…
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No Debt but struggling
Hi All, I am struggling with money each month, i have no frivolous spends and am really tight with my budget. I used to have a gambling problem and spent about GBP 3000 over the course of it before i got clean. Been 5 months so im not wasting that anymore. I work and support myself and my mother (who's 73 and mentally ill)…
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Pre-check for Eligibility for Balance Transfer Fail...
Realising that i may in the future find it difficult to make all the monthly payments on my current credit cards, I followed MoneysavingsExpert's video advice to apply through Barclaycard for a special balance transfer card, to consolidate my payments to one more affordable amount. I am currently not owing anyone or…
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DMP - can I keep my current bank account? And am I doing the right thing?
Hi I'm after some advice? Myself and my husband have decided that we should enter into a DMP with step change as we have been battling with significant debt for many years. We had been getting into a better position with it but then had to get extensive work done to our house meaning we ended up in loads more debt. Most is…
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Moorcroft
Hi all, As part of my bid to reduce the outstanding amount on my DMP I've applied for ppi reclaims from everywhere. As soon as I've done it then Moorcroft start calling. Could this be linked or am I worrying over nothing? Thanks
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Pre-employment credit check
Hi All, I am in the process of gaining employment with Homeserve UK. I found out today that if successful I will be subject to a pre-employment credit check. I have a pretty poor credit history with a couple of CCJ's and Bankruptcy ( due to fall off my file April 2018 ). I have advised them of this but like me they are…
