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Starting to feel positive
I have a few old defaulted accounts currently owned by Lowell and Intrum. One is due to drop off my credit file at the end of this month (£3,400) another one end of January (£700) and another next May for £1600. I've also managed to get Lowell and Robinson Way to stop hounding me on some statute barred accounts. Hopefully…
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Slinking back, tail between legs
Well, all those years ago My husband had debt I stupidly tried to help with, he buries his head in the sand and now I’m still drowning. I’m still here, still fighting a battle when I’m the only one in the ring. I contemplated setting up a new account on here so no one would look back say you stupid stupid cow Anyhoo, I…
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Saving whilst having a dmp
Hi I am curently on a dmp thats was agreed by all my creditors(all of them charge 0% interest on all debts). If everything goes well i should be debt free in 2021. My possibly very stupid question: I have received a small payrise( £100 per month),should I use it to clear my debts faster or use the money to open a Lifetime…
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Please advise my credit score
Hi, I’m not sure if anyone can help me but I’ll try. Around 5 years ago I took out a loan to buy a car. A couple of years after that I took out another loan to buy a bike. Due to unforeseen circumstances I was then unable to pay these back (yes it wasn’t the best idea to take out a second loan before paying off the first…
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Mobile Phone Contract Question
Hi So I gave into the lure of an all singing and dancing iPhone 8 phone contract and now I really wish I hadn't. Its too expensive and not too mention the amount of time I waste on the device and on the internet, it makes me really wanna divorce it. What are the ways out of the contract, especially because I cant afford…
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Car Rental Company Demanding Money Or They Take Me To County Court
Can anyone help me? The story from the beginning is it all started two and a half years ago, I booked a rental van to hire for the weekend, when I went to collect the luton size van, the rental company said that my pre booked van was involved in an accident the night before and that the only vehicle that they had on site…
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Defaults on credit file / Lowells
Hey Guys, Hopefully a quick one, as I've got Lowells calling me back shortly. I have 3 accounts owned by Lowells at the moment, and I am looking to negotiate a deal with them to settle the accounts. I asked that if we agree a figure which is not 100% of the debt, will they settle the accounts. They advised that they will…
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Loan repayments
I'm currently in financial difficulty due to an excess of payday loans I’ve (stupidly) taken out over the past few months. These have mounted up and I’ve found myself taking on extra debt at the end of a month to cover living costs and repayments. Luckily I’m living rent free, but do have car payments which go out each…
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big big debts - seeking support
Hello, Is there a section of this site where I can 'talk' with others with high levels of debt, for support etc. We have big debts of over 80K - pretty shocking. These are joint debts. We are not on any type of payment plan or DMP as we have a good enough income to cover the debt payments and living costs, it's more a case…
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Link financial giving trouble.
Hi All, I've been in communications with Link financial regarding a full and final settlement since October. They're so difficult to deal with because after such a long negotiation they've at best offered 50%. Advising they can't go any lower because it's a business decision. I've spoken to the team leader there and told…
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Settlement offers help Westcot/ Cabot financial
Currently I’m trying to get a settlement offer with westcot who are dealing with the debt on behalf of cabot financial Europe, for an old debt (over 6 years). I have debt with others but have managed to get a good offer from them all except this one. They don’t seem to budge from knocking of 25% of it which is still too…
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Debt Free - Starting out - London
Hi, Wow, I have just come across this forum and all the amazing advice here, you guys are true legends and actually give me hope that i can beocme debt free. So here goes....... I have managed to rack up massive debts and are desperate to get them cleared and be debt free once and for all. My debts are a mess but I am…
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Advice on asking for CC interest reduction
Hi, I'm looking for advice on how to approach (one of) my CC companies to ask about reducing the interest charges on a large debt. I have had a Mastercard for about 15 years and over that time I have lived at the limit for much of the time in a spiral that I am sure is familiar to many here. In around 2011,uninvited, they…
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Lloyds Debt
Morning All, Quick question.... I am contesting a debt with Lloyd's which having received documentation as part of a DSAR request, looks like Lloyd's have allowed my account to go into an un authorised overdraft, and then charged me for the privilege although the have also allowed 2 debit card payments through as…
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Guest comment: Time for radical reform on overdrafts
Time for radical reform on overdrafts...Read the full story: 'Time for radical reform on overdrafts' Click reply below to discuss. If you haven’t already, join the forum to reply.
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Fixed daily and monthly overdraft charges to be banned - MSE News
Fixed daily and monthly overdraft fees are to be banned as part of a package of reforms proposed today by the financial regulator...Read the full story: 'Fixed daily and monthly overdraft charges to be bannedE' Click reply below to discuss. If you haven’t already, join the forum to reply.
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Beware the December pay trap!
Yep - here we are again, time for the annual warning thread,,, I'm talking about the "December pay trap" - you know the one, rather than being paid on the last day of the month, or the 28th, "because it's Christmas" your company set up the pay run early - anything from 10 days early. The money lands in your bank account,…
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Further Steps Notice
Not sure if this the right place to post this so feel free to move mods if necessary. On 15/12/18 I received a Further Steps Notice from London Collection and Compliance Centre stating as I had not paid a court fine they would be taking one of the step listed (including sending bailiffs to my house to seize belongings,…
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Need help with a debt from Santander
Back in 2014 or thereabouts Santander changed their terms of service to charge any unauthorised overdraft, even if it was £1 over with a £75 penalty fee. Well my wife would sometimes exceed her own by around that amount owing to a regular Direct Debit that just could not be covered in time for when she was paid. The…
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Advice on airport breakfast
Going on an early morning flight soon and we are too early for hotel breakfast and don’t want to spend a fortune on airport breakfast. Anyone any ideas on what I can take. We are staying at a hotel the night before so don’t really have access to a fridge
