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CCJ threat
Hello.I hope this is the right thread. I have a debt from an old employer, they started CCJ proceedings but we came to an agreement that I would pay the debt off over 2 years and they would stop CCJ proceedings. However the debt company that was trying to get the money back has added over £1000 worth of “costs” I have been…
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Help with Link & CCA
Hi After 7 long years I have paid off nearly £50,000 of debt with the amazing help of Stepchange however I have one final issue with Link who took over my accounts with Barclaycard. During the last 6 months I have made various F&F offers which were all accepted by everyone apart from Link who have kindly offered to shave…
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Advice needed on debt.
Hi. Basically, I'm here for advice. I took out a personal loan of £12,000 with Lloyds, back last year. I now also have a 0% credit card for 36 months which has been maxed out at £5000. My current income is around £1300 a month. I am paying the credit card off at £100 a month. I am paying the personal loan off at £353 a…
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Cabot
t has been suggested I post on this thread rather than loans or debt free challenges. Third time lucky! As briefly as possible, Cabot bought my merged credit card/loan/overdraft debt from HSBC 3 months ago. My debts with HSBC date back to 2003 and became a managed loan when I defaulted in 2006. The bank didn’t formally…
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Quickquid
Hi, I sent my complaint with quickquid to the financial ombudsman who have said QQ should refund me the interest and fees plus 8% interest on the last loan I had with them. So they have offered the following: Interest refund - £265.50 8% Interest - £52.71 Less tax on 8% - (£10.54) Refund due - £307.67 The interest element…
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Lovell ignoring Statute Barred letter.
Hi. Months ago I received a surprise email from Lovell as they had just bought a gas and electricity debt from EDF and they wanted cash. Problem was that the 'bill' was from Nov 2012 and I'd moved out of the property in June 2012. I sent them a prove it letter and a statute barred letter (my last payment to EDF was well…
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Whoops :( can I join you?
Despite being a member for 8 years now, i dont think i have ever ventured over here :eek: Hubby and I were in an IVA in 2010 having had 64k of debt ( i still have no clue how this happened). The IVA is long gone thank god! We made all of our payments plus an extra year and managed to repay a lot more than anticipated.…
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Getting a new mortgage whilst starting a DMP
I am a home owner with a mortgage. We are about to enter a DMP however we would like to move. Would it be impossible to get a new mortgage?
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Federal Management
Hi I am after some advice for my brother. Over 10 years ago he owed a small company £4000, which he put in place a payment plan paying £100/month. Unfortunately his wife missed a payment which resulted in the debt been passed to a company called Federal Management. This company started harassing my brother and his wife…
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Set aside CCJ sent to my old address
Hi all I've read up on a few cases on here regarding the setting aside of CCJ's. I just wanted to post my situation and ask for some help. My situation is that I have lived in my current address since October 2017. Before that I lived at a different flat in the same building which is on a different floor. On Sunday I…
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Idem Servicing
Hi I have an old debt which I have always made small payments to. It has long since dropped off my credit file but they still want payments. They have provided me with a CCA and statement of account. Can I get away with just paying silly little amounts until I’m on a better position to make a decent offer? TIA
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Help Re advice from businessdebtline
Hi, I have found myself struggling to pay my debts so i decided to seek help:- 1. Firstly I tried to get a secured consolidation loan which I am glad i turned down the crazy offer I was given which would not have helped me at all. 2. I tried going to my own bank but they declined as well even though the figures showed how…
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Hornet Nest????
Afternoon Good Peeps, The other day I spoke to the FOS and they have on my behalf sent a letter to Capital One and Barclaycard to say I wanted a complaint registered have I stirred a hornets nest up. I am still paying the creditors via my DMP. Thank you. Carol
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Barclays/Credit scoring?
Hi all, I'm on the verge of getting out of debt after finally paying off my low limit credit cards, via balance transfer offers and now consolidating other larger debts into one manageable loan, after struggling my way through some of this stuff for a long time. (Long story, old level of debt around £12K, now down to just…
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Cost of Debt - Help
Hello, Firstly, apologise if this is not the correct place to post this request. I have had a look around the site for information that may help me but have not been able to find what I am looking for. I'm looking for help, tips and support on the best way to reduce the cost of my debt as I look to become debt-free. I…
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I am struggling
I am struggling with household finance and my debts. Looking to find out what I could change to make things better
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old ccj added to credit report
i have been trying really hard over the last few years to get my fiances in order: in the past year:* 1: paid off £990 of british gas (i paid it off 4 yrs ago but it wasnt wiped from my debt and i kept paying £1550! ended up in me paying that off and getting a refund of £650 this year...so now i have changed from a…
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Blogs
I know this is a brilliant place to on here, but just wondering do any of you actually have a blog to record your debt free journeys or do you know any good debt busting ones, UK only. Thanks in advance
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Can't pay we'll take it away
I can't find anywhere to put this. I'm just curious, now with GDPR where the company that appears on that Channel 5 show stands. With all the CCTV footage they collect and then sell to Channel 5 for the show, surely under GDPR anyone on that show can object. They aren't involved in a crime (as long as they don't get…
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Getting debt free with a partner you struggle to communicate with about finances
Hi all I know there is an SOA I need to complete and post to get actual help, which I am hoping to do later once my kids are in bed, but I just wanted to start this post now. We are hopelessly in debt, and I'm just so sick of it all. Some of the debt is circumstances, some is bad management, some is just completely lack of…
