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£22000 credit card debt
Hi, I've started to feel the burden of debts. My debts have been higher and I've managed to cut my card balances down. Unfortunately one card from the same company charges higher interest and is demanding higher minimum payments which is now having an impact on my ability to pay. I've obtained PPI refunds and used those…
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My spiralling debt
So I am in a mess with debt.. struggling both financially and mentally. I have completed the SOA. Problems I have is a guarentor loan which I can't allow the guarentor to pay and also a car on finance which I need in order to be able to get to work. [tt]Statement of Affairs and Personal Balance Sheet Household Information…
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Asset Collections - Court Date Set
Hi Can I have some advice please. I am defending a claim from Asset Collections and Investigations. I have a court date set and need to send copies of everything to them and the court no later than 14 days before the hearing. So I need to send in next few days. I didn't receive letter of claim, when I received claim form…
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Capital one contact email address?
Next month is supposed to be my final payment on my DMP however it has transpired at the final hour Capital One have sold my debt to Lowell which seems a bit bonkers 🤷!♀️ I’ve had a letter from Lowell to discuss how to repay however how do i check the amount is correct as it sounds like it is the total minus this month’s…
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Paying off high interest loan or save?
Hi, I hope I'm posting on the right board. I'm 28 years old and moved back home three years ago after applying for a DRO and not being able to find a teaching job. The intention was to wait the 6 years out and save for a deposit for a mortgage. I was able to find a job two years ago and since then have been saving. I had…
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In a mess - help
Got myself in a pickle with short term loans and need advice. Totalling approx 12k the repayments mean they will all be payed by October 2019 -- however the repayments are crippling and have just mounted up, meaning some weeks I'm left with very little and 4 kids to fend for. All are up to date at the moment, but rent…
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Prescription charge
My partner has had a prescription charge due to us ticking the ESA box as we mistakenly thought they was on the income benefit, but alas they areon contributions and is now being charged £50 something for the charge. Partner is on a DRO and I’m BR but they were issued after the charge. Is there any help we can get for…
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Debt Managers Ltd chasing a debt I have no knowledge of - HELP!
I'm after some help from you savvy MSE folk. I'm being chased for a debt that I have no knowledge of, by the lovely people from Debt Managers Ltd. I see they're well loved on the internet. A little background..... I received an email and a text from DML about 12 months ago, about a debt they were looking to collect, but…
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scottish power late payment
Hi, Does anyone know if Scottish power log late direct debit payments on credit files?
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Stepchange monthly payment calculation
Hi, So I just did the step change debt help calculator, and I’m wondering is it actually correct. I have total debts of around40k, and currently paying over 1k a month on minimum payments including 400 for a loan. Step change said I’d be paying about 500 if I went for a debt arrangement scheme. They built in about 500 a…
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Council tax bailiff advice please, re: £110 removal fee.
I have been paying Bristow & Sutor for a over a year now, and have cleared over £2000 in council tax and bailiff fees (averaged £30+ per week). With only £175 left to pay, I got a call from their bailiff on Wednesday saying that because I had failed to make payments on a couple of occasions, further action would be taken…
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Super complex large debt nightmare - pointing in the right direction for help needed please
Hi All I have a super complicated debt situation and am hoping someone might be able to advise me where to get ‘proper’ advice or perhaps offer some advice. I have spoken to payplan but don’t feel they are able to offer me the comprehensive advice I need as there are so many layers to the problem. Ill try and be brief in a…
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Debt collector for council tax
Hi everyone So I moved from my previous property (rented) on 1st April, I then went to live at a friend's until 16th April, and on 17th April I moved into my new accommodation (also rented). I have just received a letter from a debt collector saying that as I didn't respond to the council's final warning in July, the court…
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Newbie here! Q about StepChange
Hi all, I'm new to the forums. Currently looking at all the resources available to help with guidance on tackling my debt. Just wondering if anyone has used the Step Change Debt-Remedy tool, and if they found it useful? Many thanks, Steve
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Reasonable income but going down!
Hi all, We are new to the site and I am finding the sheer size and number of threads and replies a bit overwhelming. I can see there is a mountain of experience here but can't quite filter it yet. Our situation is as follows and I would be so grateful for any advice. My husband earns around £70k pa employed before tax and…
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I'm losing the will to live
I've got a court case coming up for ppc invoice/ticket that has nothing to do with, and in consecutive days I received a ticket for stopping on a zig zag outside a school when I was actually waiting 9 secondsto turn right into an adjacent road, then Saturday I got another ppc ticket for parking on my road, and today I got…
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About to start a DMP Help..
Hi I am I think about to start a DMP and wonder if anyone can help with a couple of questions. 1. I have done the stepchange tool and have all the figures from that but wonder if there are advantages to running a DMP myself? I am happy to send income/expense details and letters myself. Are there advantages to this and if…
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Unenforceable Debt
I have a loan that I defaulted in 2011. At the time I asked for a CCA, and the lender wrote back and said they were unable to comply with the request and therefore acknowledged the debt was unenforceable. They have not advised since that they are able to produce a reconstituted CCA. I have now received a letter from them…
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Advice needed please
Hi all, I have tried to contact National Debtline several times through a chat online, but it's impossible to get the answer. They closed the chat before it even started. Not impressed! Anyway. I have questions re: my debts I have received letters from a debt collectors company...1. about my unpaid debt I paid via dmp, but…
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I had 'the talk' at last ...
Hi everyone It feels a lovely morning but also a sad one today. I finally had 'the talk' with my hubby last night about how much money we owe. I've always been the one bearing the burden but I needed him to realise how much we owe so we can start a plan before it's too late, as we're not getting any younger. He was shocked…