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Can you haggle settlement offers?
Hi all, I was thinking of borrowing some money (from a very good friend who has made me an offer) to try and settle of all my debts, paying them off early and therefore save a fortune by avoiding interest over the terms. I have got some settlement offer figures from my loan and car finance companies, but is this a case of…
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transferred balances with new cards
Hi, I hope i'm in the correct place. First of all, i'm in debt of about £11,000 on 3 credit cards. 1 is £2,300 2.nd is 4,300 3rd is 4,390 Silly thing to do, but i had no choice. they started charging me interest now, as it was 0% of over 14 months. I'm new to this stuff, so i want to get 3 separate cards to make a balance…
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Erudio - Not sending out paper deferral forms???
I have a mortgage style student loan first taken out in 1997. This Was sold to Erudio a few years back. I have deferred every year since 2001 and looked forward to Sept 2025 when the loan would be cancelled as per student loan t&c and The Education (Student Loan) Regulations 1998, Schedule 2, Point 12 (b)(i).…
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Paying off debt versus saving
Just looking for a little advice We have some credit card debts that we've moved to a 0% interest rate card and are paying this off monthly. I also have a Next account which is currently at £1500, was over £2000 in January so we've made good headway with this and I hope to have it clear by August and then will be closing…
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Help - A liitle lost
Hi everyone. I have had mental health issues that go hand in hand with my debts. My situation currently is that I am starting to mount higher cc balances from 0 in October 2015 to about £12k today. I have nothing to show for it, but every month I am using a bit more credit to get by. I want to stop doing this (sounds…
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Slow and steady or plough on through?
I keep feeling up and down about debt repayments. As it is a family loan, from a well off (so no pressure) but not close (so no emotional pressure) relative, I could just pay £100 a month indefinitely. This would take me years and years. I could save and feel well off and ignore the debt. Allocating £250 extra a month…
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Credit card debt
Looking for some advice please I have 5 credit cards amounting to £20000 I am paying them off monthly by either paying minimum or just over but the 0% interests will be up soon and I can't afford to pay the interest, I have no available credit on the cards to move the money about and dont think I'll get accepted for more…
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Full & Finals
So I'm in a position where I have a lump sum of money to pay off my current debt. Firstly, as I'm with SC, do I have to go through them to do this? If not, what sort of figure should I offer each creditor? Is there any way to have defaults removed from credit file before the 6 year period? Looking to buy a new house and…
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Want to charge company for harassment
I am being harassed by a company that are trying to recover a debt cause by non payment of rail fares, the trouble is the person in question does not, and as far as I am aware, has never lived at my address! I have called the company in question to tell them, I have returned their post, I have written to them, and when the…
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Notice of Discontinuance - Lowell Solicitors
I've just had a very strange letter drop on my doorstep. In Sept 2015, thanks to a lot of help from MSE and Legal Beagles I avoided a CCJ marker in a case against the debunked (sort of) Bryan Carter / Lowell Portfolio. Which resulted in a Tomlin order for £50 a month for 6 years or so. I've duly paid the £50 each month…
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Prove it letter responses. What now?
Hi everyone, I’m really hoping someone here can help with this as I’m totally confused. I’ve searched online but can’t find anything that completely answers my questions. On the advice of the wonderful people here, I sent some ‘prove it’ letters to a DCA regarding some debts I don’t recognise (I have a lot of debt, but I…
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Attachment of earnings on CCJ I know nothing about
Hi, I'm hoping someone can help make sense of this. 12 years ago, I was made redundant and fell behind on everything, loans, credit card, overdraft etc (mainly Yorkshire Bank). All YB debts were sent to the bank collections department. I made agreements with all my creditors to repay them all at varying rates dependent on…
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Vodafone Debt (MASSIVE)
Hi, I moved a few years ago. When I moved I didn't have any credit, no mobile phone contracts etc. Last year I checked my credit file following a application for credit that was initially manually reviewed. To my shock, I discovered a debt of £38,000 (yes £38,000) to Vodafone. 7 payments, up to date, then the remaining…
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Which debt to prioritise?
Hi all have several debts (outlined below). got myself into financial difficulty, being stupid taking out credit then losing job. Currently working, taking home approx £1900 after tax, with £250 left over after expenditures (rent, bills, childcare, childsupport etc). I have also undertaken some freelance work to help clear…
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CCJ help
I'm struggling with LOWELL financial. They one a ccj through default for a debt I believed that 1. I did not owe and 2. Citizens advice told me was statute barred. I paid within the 28 days and on the same day wrote to them saying I had only paid to stop the ccj going on my credit file and still dispute the debt and asked…
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Looming house repossession. Anything I can do?
Not sure whether this is the correct place to post this so apologies if it's not. I have a house that I used to live in, then rented it out (with mortgage lenders permission) until the mortgage lender decided not to renew consent to let. So, the house has been sitting empty for about a year while it's been up for sale,…
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BT debt will it be Statued barred
Hi To cut a long story short I ‘owe’ bt £350 from April 2013. It relates to a complaint where I cancelled their tv service due to lack of signal. Anyway bt were woefully unhelpful and I never received any recourse. Time has moved on and out of the blue this year I’ve started receiving chaser letters from a solicitirs…
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Shop Direct and Credit file
Hi I am on a DMP with SC and all my accounts defaulted April 2016 - except Shop Direct (very). They have put Arrangement to pay marker and say because SC are making payments on my behalf they won't default, even though I've fallen behind on payments and not paying what I should. Do I ask SC to stop paying to force them to…
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Partial Recourse
My sister received her statement from her debit company with all her monthly payments on it but in the statement there is a credit and say Partial Recourse and a credit amount. Any one know what this Partial Recourse is.
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Harlands/CRS advice please
Hello, hope somebody can help me out, please. Basically took a Gym membership out however due to moving away and commute to and from the gym would have been a nightmare I spoke with the Gym who informed me to cancel through Harlands of which I did and they accepted as proof of cancellation. However, would not cancel my Gym…
