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Rules on creditors legal action
Hi I have some questions about legal action from creditors. 1. Can a creditor take legal action like a CCJ or debt collection agency referral after one default or does it need to be more than one month in arrears? 2. If the above answer is it has to be more than one month in arrears on your credit then does this mean the…
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Student loan gone to court claim
Hello, I took out student loans in 1997, 1998 and 1999 On nov 2013 the debt was moved to erudio student loans and since about 2015 I havent sent back the deferral forms, I heard that loans this old had been written off, but now they have issued a claim form yesterday and want to take me to court. I am not sure what decent…
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Cabot CCJ
Hi All, I’n after some legal advice. Cabot bought a credit card debit and managed to get a default CCJ. They then passed this along to their solicitors, who threatened Attatchment of Earnings. After myself ringing the solicitors and sending them an expenditure sheet, they then decided to request an adjourn on the AOE. I…
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Debts with lowell coming upto statue barred - Discount offers
Hi Guys and Girls, I have 3 debts currently with Lowell which are due to become statue barred in Feb-March 2019. They are phoning relentlessly (which i am of course ignoring) They have also just sent me a 75% Discount offer on One of the debts and on the other 2 i have 60% discount offers from 2 months ago. Now my…
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‘Warrant of control’ enforcement
Hi, longtime listener, first time caller here... I need a bit of help because I’m confused, I’ll try my best to explain the situation and please feel free to query anything :) We took a ‘builder’ to small claims court (money claims online) and won (he didn’t put up any defence), the judgement for claimant letter arrived…
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Help with managing my debts!
I feel like I've gone over this time and time again and think I've just over complicated it so want someone with fresh eyes to help! I've got 3 credit cards which all need paying off. Because my credit history/score isn't brilliant, I could only get higher interest rated cards at the time... Barclaycard (34.9% APR) -…
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Lowell chasing me for a 14 year old loan
Hi there, Never posted on here before so I hope I am in the right place! Lowell recently sent me a letter chasing a loan I had with Welcome Finance back in 2004, Asking me to pay it obviously and that a CCJ was put out in 2015, which it was, and at the time I wasn't aware of a loan being statute barred. Now I am convinced…
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Half of those who take time off for mental health issues have to borrow to make ends meet - MSE News
Almost half of those who take time off work due to mental health issues have to borrow money to make ends meet, while 42% go without essentials such as food and electricity, a new report shows...Read the full story: 'Half of those who take time off for mental health issues have to borrow to make ends meet' Click reply…
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Bristow & Sutor - Council Tax Enforcement Fee Refund
I been behind with my council tax a couple of times now, due to bad money management on my part. Each time Bristow & Sutor have been round to enforce the debt. This time they have charged me £235 enforcement stage fee which seems high and I've read somewhere they are only allowed to charge a maximum fee. Is this correct?…
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Final settlement offers
Edit: had both offers back this week! One accepted one declined but said they’d accept £100 more. Cheeky sods didn’t pay postage so we had to pay £2 to pick up the decline letter!! Anyhow we’re not going to pay the extra £100 as it was money from a relative. Once they’ve declined an offer do they generally write again a…
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Help for those in need who work in horticulture/gardening
Hi all For anyone who works in horticulture/gardening (including relatives of those) and are facing tough times there is a charity called Perennial (https://perennial.org.uk/) who offer support services including financial support amongst other things. They helped my partner when we faced financial difficultly and were…
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Moorcroft debt from BT
Hi all, After some advice dealing with a small debt from BT that has now been passed to Moorcroft my missus originally spoke to BT and i have no knowledge of the conversation A debt of £538 has been passed to Moorcroft after a contractual dispute with BT. I admittedly ignored this after i changed provider as i dont recall…
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Dmp or iva ?
Hello, I have posted here before, however I was almost certain an IVA was the route I would take. Now I am leaning towards DMP if at all possible, I am studying my budget trying to reduce costs and don't know if a DMP would be the less 'harmful' approach Can anyone help me with advice and let me know their experiences.. 1.…
