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Difficult LCS Utility Bill Situation
First time poster here, just had a bit of a situation that I thought folks might be able to offer advice on as unsure what to do. Me and a friend (we are both students but decided to go for a non furnished rented property) recently moved house on June 28th. Since moving in we have had a rather complicated situation in…
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DMP and credit report confusion
Hi, First post here after reading what I can I have had a DMP with StepChange for about 3 years, with 8 creditors being paid When looking at my credit report, only 4 of these show on it, these 4 show as defaults but the other 4 don’t appear on there at all(these are the higher £ ones) Why don’t all of them show on my…
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Council Tax, I'm so scared
I have lots of debts and mental health problems along with being a single mum (very literally - no family, child maintenance etc). Council tax from last year (I think) is currently being taken out of my JSA but this years I haven't been paying... Please bear in mind I really struggle with this and just bury my head in the…
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Tdr
Hi, I have been using the company 'Total Debt Relief' to manage my DMP, for just over 2 years now. I received an email Monday evening and now letter from the FCA, saying that 'TDR will no longer be providing advise on repaying my debt'. The FCA are now investigating the firms activities on how it deals with its customers…
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SOA and questions about DMP
After taking advice (thank you) in the DMP support thread here is my SOA. Rather than type up my post again, here it is: Statement of Affairs and Personal Balance Sheet Household Information Number of adults in household........... 1 Number of children in household......... 0 Number of cars owned.................... 1…
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CCJ's appeared with no letter first
my husband ran up quite a bit of debt and consequently landed 4 defaults and a CCJ. This was a couple of years ago and he has been on payment plans with each one. We checked his credit report over the weekend for the first time in a while and there are 2 more CCJ's that have appeared which we know nothing about. He has not…
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Mortimer Clarke CCJ? - Text only
Hi, I have received a text from Mortimer Clarke saying to call them stating a reference number (no detail). Looking online they deal with CCJ's but I don't believe I have any debt and I haven't received any letters from them or anyone else. I lived at my parents until pretty recently (even when I was at uni at left my bank…
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DMP newbie and nervous...
Hi all, I am new here on this forum and I have just started to take hold of my debts. I am a student and only 21 but I foolishly got myself into £6000 of debt due to me being irresponsible and my mental health. I have really struggled paying of my credit cards, catalogs, overdrafts and foolish payday loans that I only…
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Debt advice please
Good morning folks, Been reading through posts for a while now. You guys are very supportive. I have been struggling for a while now with my money situation its really starting to get to me. Currently - £16k in debt Made up off loans, credit cards, store cards, car finance & overdraft. Income - £1200.00 per month My…
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Lowell - Incorrect default date
Hi guys, looking for some advice. I had a loan with HSPF from back in 2011 and defaulted on it when I joined a DMP in August 2012. I have a letter from HSPF, dated October 22nd 2012, that states a default notice has now been served on me and the account is now in default. Lowell ended up buying the debt, which has now been…
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Lowell CCJ
Hi all, I have a CCJ with Lowell for a provident load granted in late 2017, I have managed to get this (and other debts) written off but it is still showing as active on my credit file as it was not paid but written off as a good will gesture, what im asking is if there is a way to mark this CCJ as a zero balance on my…
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Advice Needed
Hi, I'm hoping someone here can help me. Over the past few years, I've been working my way up the career ladder, and have been in a situation where I have had to live beyond my means for quite an extended period of time. I am now fortunate enough to be in a place where I can live comfortably, and I would like to begin to…
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Who do I pay? Debt collection or original company?
I had some trouble not getting bills from Greenstar. They also send people round to read my meteres then lose the readings. So I have a £800 bill which they've passed to debt collection. But they said they will still chase me for the debt as well. Who do I pay?! The debt collection, or Greenstar?…
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Statute barred?
Hello! I have received a letter this morning from PRA Group regarding a debt of just over £700 for a previous Orange account. I don't have any recollection of the debt - I do remember having an account with them 5+ years ago but I thought I had settled it before I moved. I haven't been with them for at least the last 4…
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What small DFW things will you do w/c 17th September?
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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What do I do now ?
Hi everyone, I posted on this forum about 1 year ago describing my situation and you all gave great advice but sadly it did not work out for me and things have got 10 times worse. Since I last posted on here I have been into rehab twice for gambling issues, lost my job, had to move back in with my dad and also tried to…
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What order to pay off debts?
I’m in the position that I can pay off the majority of the debts I’ve accrued over the last few years, but I’m wondering what would be the best order to pay them off. I have a lump sum I can use for a large portion nd greatly increased expendable income as of this month. Between my wife and I there are a number of ccjs, a…
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Trust Deed Advice!!
Hi everyone :j I posted in another thread but I think it was getting overlooked! After adjusting my income and expenditure sheets with Payplan the advisor has recommended I enter a Trust Deed. I have been trawling the internet for advice/experiences but not really getting anywhere so thought I'd jump back to DFW for…
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Bailiff posted letter of seizure
Hi everyone a newbie here so don't know if I've posted in the right place. Quick background an enforcement agent came to my property when I wasn't in. He posted a letter of seizure of a car which does not belong to me. I sent proof to say it is not my vehicle but my dad's. They do not believe this and said if I don't have…
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New plan wanted as CCJ has ended
Hi all, I am looking for some help. I have had a payment plan with the Marston Group for the last couple of years after a CCJ was awarded and the sent bailiffs round. The CCJ has now come off my file as it is after 6 years and the Marston Group have sent me a letter to contact them to set up a payment plan or the will…
