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Relieved but scared
Hello , Yesterday morning I decided to stop burying my head in the sand . My husband entered a DMP 2 years ago but as i am self employed ( no debts with business) I was advised at the time I could not do a DMP ( now know this was wrong information . ANYWAY. i decided to consolidate adn took a very large loan but stupidly…
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Not long to go...
Been a while. Long story very short, lost my job June 2016, had not far off £30k of debt, contacted Stepchange, got a new job, less money and thought I was due to end with the DMP I have Dec 2020, but after a few checks with the actual balances seems should be clear around Aug 20. That will free up nearly £600 pm. We are…
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DCA threating "take control of goods" from parents house.
Hi Everybody I moved into my parents house quite recently. My mam is aged and extremely ill (it's just me and her living in the house) and I moved from the North to the South of England to take care of her. Now I've got a CCJ against me for unpaid Council tax from when I was living in the North and a debt collector has…
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Debt - Statute Barred?
I wrote a statute barred letter to Cabot Financial regarding a non-secured loan debt more than 6 years old. They replied saying that as legal proceedings were initiated, even though a CCJ was not obtained, that the debt is no longer subject to the Limitations Act 1980 and so is not statute barred. Court documents were…
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My SOA - we are at risk of drowning.
I am posting my SOA for try and get some helpful advice and to see if anyone can find any wiggle room. I am trying to pay my debts off as quick as I can, to give myself the extra cash a month. My benefits include my sons DLA, and his therapy I pay for is included, which is why the children's expenses are so high. This isnt…
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High debt - consolidate to mortgage
I have a high amount of debt, i've noted it all down and it comes to around £65k over various loans and credit cards. I honestly don't know how I have got myself into this mess, its not like I have lots of nice things nor spent heavily on holidays and such. I think its just spiraled as I try to chase my tail in keeping up…
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New Year, New start
So I am currently on a DMP with Stepchange and paying an amount each month and have a debt free date of 2035, , , , my question is if I contact each of the companies I owe on my list and agree settlement offers and set up payment plan with them separately and manage to clear the debt quicker, so in effect paying them more…
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Not sure what to do
Hi this is my first post I stupidly have managed to get 7.5k in debt on 3 credit cards all are currently 0% until August 2020 and I’m paying what I can at the minute but I am so stressed and worried about what to do when the 0% runs out, what if I can’t get a balance transfer? I am on a low part time wage. I just don’t…
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Council tax debt
The girl I'm seeing had an outstanding council tax debt of around £1800 from when she lived with her ex over a year ago. She was paying all the bills and he was responsible for paying the council tax. Anyway, 6 months ago he outright agreed over text that he would take care of the debt as it was his to pay. Fast forward 6…
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JBW Baliffs increasing cost
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Help with CCJ
Hi, I found by accident that I have CCJ since October 2019 on my file. I didn't receive any correspondence from PRA Group about going to the court. The cc debt was sold to them in 2015 and I paid installments until mid-2016 when I asked for CCA and they couldn't find it. This was the last correspondence from them. In 2017…
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DAS DPP (StepChange)
I'm coming to the end of a 3 year DPP (Scotland) in the next few months; having just under a grand left to pay from over 12k. All of the accounts I'm paying to say I owe them more then what my DAS DPP account says I do although the correct payments are being taken off each month. Is something seriously wrong or will they…
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Advice - to default or not to default
I owe £42,764.60. £15380 is to my dad so I can't go bankrupt. I have £92 of mobile phone contracts. Only one is used. Would you default on them so that you've got money spare to clear other debts? 1 contract has 20 months 1 has 8 months 1 has 22 months. I have had 6 defaults registered this year, whats another 3? Right…
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CCJ help
Hi, absolutely mortified - any help would be appreciated I received a claim form on the 3rd of December for £3100 from Lowells. I did not know what the claim was for and sent of my acknowledgment of service along with my intention to defend. My questions are: 1) I found out what the debt was for! Can I still submit a full…
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SOA poor family finances
Not sure if I have done this in the right place or even correctly, but I need some help/advice with our family finances. Looking at the below we should have plenty of disposable income each month, but we dont, we are literally living month to month. Im right up to my overdraft limit by the time I get paid. It should all be…
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Signed DMP today....
I am feeling a mixture of emotions after signing and sending a DMP agreement to Stepchange with all the other information they needed. Relief, sadness, apprehension... It is going to take a long time for me to be debt free but hopefully this is the start of a brighter future.
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Debt-Free Forumites - MSE needs you!
Hi there Forumites, Who would be interested in helping us here at MSE Towers with a little internal filming project? The Forum Team has been asked to help collate some short home videos of groups of people MSE has worked with, to show other employees in the business all the great work that has and continues to be achieved…
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Erudio/dryden's nightmare
I'm at my wits end here - starting to get very anxious about it all. In September 2019 - Erudio (who took over my student loan) issued me a court claim form. The Claim is for £6,175.88. Dryden's are acting for Erudio (who took over the student loans in 2013). Such a nightmare because they didn't seem to want me to defer.…
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LCS and HMRC Tax Credits
Hi All, Not sure whether this is the correct forum or if this needs to go to Tax & Benefits forum, but this is spiralling out of control with LCS debt collectors. In the year 2016-2017 I was unfortunate to be out of work and was claiming Job Seekers allowance. This meant that myself and my partner were entitled for Working…
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Help I have been stupid
Hey guys my First post! Me and my partner are in 37k of debt. I spoke to step changers today they advised iva or dmp as we are home owners( No Equity) My worry is 20k of this debt is only 6month ago with several loans with garrantor loans with high interest. Anyhow its come to the point were we can no longer keep up the…
