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PayPal Negative Balance
Hi. I’m nearly 200 pounds minus in my PayPal account. They rang me today so I informed her I can pay it off in full in exactly one months time. However she told me she put this down as the promised date, but that she can’t promise as they may sell the debt to a collections agency. This scares me, and the website& the…
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Partially Settled Debts & Mortgages..
Hey everyone, OK so - I have around £9000 in debt. I've been slowly chipping away at it but obviously it is a roadblock to getting a mortgage which is well past due. I'm about to get around £5-6000 which of course, will make a HUGE difference to my situation. Now, I've been considering offering a reduced final settlement…
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Vanquis increases minimum payment
I received a letter from Vanquis recently stating my monthly minimum payments will increase. I took a look at this months statement and its increased by almost £35 from the previous month. I haven't used Vanquis credit card in many months. The interest rate has barely moved. I am struggling to pay off the debts has it is.…
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Enquiry about bailiffs.
Hi all, As a student, I incurred some damage bills to the house I was staying in (young wild and free, eh?) However I am currently in the middle of disputing some charges with landlord via solicitors and thought negotiations were going well. Until recently, I received a final demand letter from a debt recovery agency. The…
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N271
Hello, I hope someone can help me. I have buried my head in the sand about a debt I owe for a credit card. It’s £762 (may not seem loads but I can not afford to pay it all back in one lump sum) they sent me a AoE form. I filled it in and sent it back the very next day. They have now sent me a N271. After much research it’s…
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Cabot chasing 18 year old debt
So today I open the post and what do I see a letter from Cabot claiming £904 owed to Black Horse Ltd.... I cast my mind back, nope nothing, well not during this marriage.... so I go back a little further, no not during the wife before... (ok been with my wife for 13 years now and 5 years with the one before, just so you…
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Lowell solicitors letter?
Hi everyone I need some help, im 25 years old and have received a letter from lowell solicitors about a CCJ about a vodaphone account. This is the very first letter i have ever received from them Now i am on esa due to arthritis in my knees and because of severe mental issues. I dont handle much of my finances i get 400 a…
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Refund Letter from Arrow Global
Received an unexpected letter from Arrow Global today saying that I'm owed a refund. With interest it's around £470, so considerable amount. I have to phone them to confirm. My issue is that I have never heard of them! Im not in debt but was several years, but cleared it all bar an amount that Capquest try to chase me for…
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Just closed my Vanquis card!
Hey! I just closed my Vanquis card! It was my first credit card (£500 limit since 2014!). I closed it because I had been thinking about it for a while, and just thought I dont really need it, and I currently have a second card with a much bigger limit and lower interest. I’m basically just not wanting to have lots of debt…
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Disposable Income
Hi I’m currently in the process of proposing a plan to clear the debt which I’ll be left with after being stuck with a shortfall on completion of the sale of our house. I spoke to the lender today who received the income and expenditure form I sent which said we had £245 disposal income at the end of each month. They’ve…
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Email from lucascredit
So received an email from them saying I owe a debt of £28 to T-Mobile from 2014. Originally the contract was cancelled back then. Haven't received any post as moved address. Is this gonna get worse if not paid? Thanks
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Struggling to find a good deal? Tell the CMA
:wave: Have you ever struggled to find a good deal? Do you know a vulnerable person who has trouble accessing products and services? Please share your views and experiences with us. We are the Competition and Markets Authority; an independent public body that aims to make markets work well for people and ensure that…
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Spending diary app recommendations
Hi everyone. I'm on my debt free journey, and I want to start tracking my spending. I've got an excel sheet for my budget etc, but I want an app that I can record what I am spending each day, so I can see where my money is being spent. I've tried to look for apps, but a lot of them seem to be overly complicated dragging in…
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Account showing as "default" on MSE credit club
I have an account showing as "default/Ended" on my equifax report. This was fully repaid in the end and shows as "settled" on other reports. Is this correct for Equifax or can this be challenged/changed?
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PRA group nuisance calls
Getting nuisance automated calls from PRA group. From researching Google and here they seem to be after a "debt". There is no debt and I suspect they have mis-keyed the mobile number. Any thoughts on how to get them to stop phoning without engaging with them or giving more details? Have auto-diverted their calls to…
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DMP & Halifax overdraft
Hi, I started a DMP in April 2014. I had various debts a catalogue, payday loans and a sizeable overdraft with Halifax. As soon as a signed up for DMP i was locked out of my internet banking and naive as I am I never checked it. I relied on what my DMP plan said. Fast Forward to today i have almost cleared all of my debts…
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Snowballing
Evening all, We're about to start snowballing, all cards on 0% until at least 2020. SOA below to dissect, all are joint expenses:- Household Information[/b] Number of adults in household........... 2 Number of children in household......... 0 Number of cars owned.................... 2 Monthly Income Details Monthly income…
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Can't pay PayPal - HELP!!
Hello everyone, I am in a huge mess at the moment and I am freaking out. In short I owe PayPal £1,100 and I am unable to pay it. I have had an issue gambling and I built this amount up as they allowed you to deposit money on the betting site and it didn't leave your bank account until a few days later. Can anyone advise…
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Budgeting.... am I being unreasonable?
DH and I decided earlier this year that this would be the year we would get rid of our debt. I'm delighted that we have managed to knock £4000 off our credit card and catalogue debts and now the end is in sight we have been thinking about how much we could actually save. For the first time ever I have completed a spending…
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Want to clear debts but seem to be hitting a brick wall
We are a family of 4 and we currently have about £9,500 of debt spread across a cc and a loan . We are ploughing every single penny we have into clearing these debts and I know it's a small debt compared to others on here but it's really getting to me now. DH works full time but I am a SAHM to 2 young children (not through…
