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Spouses owed
My husband recently received a letter from Lowell's finance. This is not a new thing, he got the debt before he owed him when he was 18 years old with Vanquis, but he has already paid the debt. We did not hear anything for months, not even a confirmation of the payment he requested. And now they are asking the same amount…
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help on BT+spend cards
Hi all, new to the forums! Looking to clear off my credit card and my wifes and spend. After using the MSE tools, I see the cards which are relevant to me but some say you cannot BT to pay off some one else's (wifes) debt, is this correct? Thanks in advance
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Using the banks loan repayment holiday.
My bank offers a repayment holiday for loan repayments and I am wondering if this has a negative impact on credit score? This would be an arranged holiday and not a case of not paying. Thanks XOXO
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Started so well but could do with some advice ..
Hi Guys I have started so well since good Friday and have managed to pay a canny chunk off with ebaying and stuff but last night I was hit with a shock stick ! At dinner the boys reminded me they had their big school history trip coming up and it needs paying :( so I was originally just planning to pay as and when but i've…
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How much did my debt sell for?
Why have you closed a thread you have only linked one day ago on your own twitter feed. https://forums.moneysavingexpert.com/discussion/5820304
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Using HTB ISA to pay off debts
Hi all, I understand that it's usually good practice to clear your debts, before you start saving. But i'm coming here to ask for advice and opinions regarding whether or not it's a good idea to pay off my credit card balance with savings from a help to buy ISA. My current debts are: £200 - Credit card £600 - Loan from…
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Dating with no money?
Well. Been living on my own for around a year now and been using dating apps a fair bit recently. I was just thinking if it happens we can always go for a walk along the beach or a dog walk somewhere. Maybe even waste a few 2ps in the arcades. Now I've got the the point of asking a girl out and she just instantly replied…
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New job may change everything
So I've been in debt for probably 25 years, never being able to get on top of things. Previous relationships have pushed up credit cards, loans and car finance but now i'm one week away from a big pay rise with a new job. On paper my current wage would be seen as a comfortable with a £2800 take home pay but we have over…
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Help Needed: Mistaken identity has lead to courts taking £1000+ from my account
Hi All, I'm in need of some advice. My employer recently sent me an email stating that HM Courts had ordered them to dock my salary for over £1000 due to unpaid train fares in 2008 and 2010. They have the wrong individual. The train journey's were made in East London at stations i have never been to. At the time, i was…
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Robinson Way put another default on my credit file? Please advise
Hi all, Long story short, I owed Barclays £834 and they defaulted me on 14/08/2015, Robinson Way/Hoist Portfolio then bought this debt and Barclays put the default balance to £0 and Hoist then put another default on my credit file with the default date of 31/10/2015 Is there anything I can do about this? It's now changed…
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What small DFW things will you do this week - w/c 9th April?
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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How to close accounts?
Hello, any advice please? I have two store accounts, one for Next and one for Littlewoods, I opened them years ago and my limit on each account is about 6k and I went a little silly and have ended up paying them off for years because I got stuck in the cycle of buying things I didn't really need or want that much just…
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Sorting out this massive mess
Evening all, I have been planning this post in my head all day! I am posting here for support, advice and generally somewhere to vent about our current circumstances. DH and I, both 37 with one kid, are in debt to the tune of around 60k.. The debt is made of up a combination of credit cards, and a loan. we have been in…
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£1 per month payments
Hello i have been paying £1 per month for a debt for approx 10 years i normally pay it in at the bank,would it be fine to set up a standing order and would the debt company be able to take any more out of the account cheers
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Frustration of unaffordable rates
My husband and I have been through a rough couple of years between mental health issues and an absolute nightmare with a huge case of dry rot in the house we live in (the agreement we have is that we don't pay rent but we're responsible for maintenance, which normally works out well, but not this year). In that time I've…
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CCA - Hmmm not sure
I have received something back from Barclays. They have stated on the covering letter the account and the amount, but the agreement looks a bit dodgy it has my name and address of my old house but thats it, no signature just a standard agreement. And it has a date in one of the corners of year 2006. Do providing the…
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Anyway around this situation? Debt and house
Due to a failed business with his parent oh has a court order to Pay back £60k which he is at £200 a month. Now there maybe more as his parent is not paying her share back. Joint debt. Anyway thats not what I am hoping for advice on. If I were to buy a home , all in my name as his credit is obviously bad. How can we both…
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Egg PPI refunds
Hi guys In around 2003 I had an egg card and I'm sure it had PPI .. since then it was passed to Barclays and I cleared it a few years ago. Does anyone know if I can claim PPI .. I've never done anything like this before We did have PPI which was pushed at us when we took our mortgage out but it was in ex hubbys name (can't…
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DMP advice
I'm wondering if anyone can give me some advice. I started a dmp in January this year for 2 credit cards, Natwest loan, Natwest overdraft and 2 store cards all totalling 15k. I pay £132 for the next 9 years (soul destroying) but even paying so little a month, I'm still struggling tremendously. After all bills have come…
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My nephew
Hi all As the username and the thread title suggests I am seeking assistance for my nephew. He is early 20s and currently resides at Her Majesty's Pleasure for the next 8/9 months or so, the reason for this is not relevant to my queries but givessome context. He has debts with 3 credit card companies abd has been robbing…
