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Help please court date
Hi Im hoping someone can advise me please, i have a case against me with Lowell for an old vanquis account, they have to pay the court fee by this week and I have another to get my documents together, until the trial bundle came this week i had no information and they hadn't sent me any response to my requests for proof or…
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Trying to consolidate debts
Hi, Having seen that overdraft rates are about to increase I am in a position where I would like to try and consolidate a few debts into a more manageable situation, and ultimately work to get out of it. As a brief overview my husband and I have had a difficult year financially, he was in sales on a commission pay which…
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Discord App
Hi all, Anyone use an app called ‘Discord’ which is totally free to use , and its a app where everyone can voice talk. The only reason I am asking and recommending this app is because I want to talk over my money problems with people on here that are more experienced with debt and money matters. I am not too good I don’t…
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national insurance payment question
sorry if this isnt the right place to post (mods feel free to move it). looking online & it says if you earn between £166 to £962 a week (£719 to £4,167 a month) you pay NI at a rate of 12% but for salary's above Over £962 a week (£4,167 a month) you pay 2% does this mean you pay LESS NI if you have a higher salary? or…
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Clearing debts
Hi, I’m currently in a position where I’ve got roughly 17k of debt with various companies, mostly for unpaid past bills. I’m now in a position where I can pay them off in bulk but am wondering if it’s likely they can reduce the amount if paid in bulk? Does anyone have any experience of this or knowledge?
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Debt : Negotiating to pay principle with debt collectors
I have several debts totalling to about £3000 I went through a hardship which meant I could not pay back then One was for a credit card from Capital One and another was from Santander and Natwest Banks which led to accounts closure and debts have been transferred to debt collectors. Obviously my Credit file is very bad Now…
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Getting a security vetting with debts. My advice
For anyone facing a security clearance I want to advice you: please be 200% honest. I have declared all my debts and my DMP, I have explained why I got myself into this situation and what I am doing to avoid getting more debt and pay off what I own now. My debt is bigger than my yearly income and I just got the letter…
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Can anyone advise? Trying desperately to save my mental health
Hi, does anyone have any suggestions? I’m in debt to the tune of £8000 to a property management company after my ex partner abused and tried to kill me and failed to pay any rent for an extended period of time. The flat was rented via a large property company. Following the abuse and assaults, I had a mental breakdown and…
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What small DFW things will you do w/c 2nd December?
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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Finally hit rock bottom.
Have been a previous member before but can not remember my details. But considering the point that i have got too i may as well start afresh with a new profile. So today the 1st of december and with 29 days to go to our wedding i finally realised the financial mess i am in! The wedding was literally the icing on the cake.…
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Lowell Solicitors BT account
Hi all, I had a 12 month BT internet account a few years ago in a rented property, but 6 months in, my landlord gave us notice to leave. I phoned BT to cancel the contract, and they said there was approximately £180 fee to cancel. I didn't understand how this was at all justified (surely a click if a mouse to disconnect an…
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Advice on response to letter from QDR solicitors
Hi have recently received a letter from QDR solicitors on behalf of Lantern detailing 3 payday loans that I owe money for. On two of these there has been no payment/contact from me for over 9 years. The other one was taken out in 2014 - which I understand is under 6 years so still enforceable. The 3 debts have been lumped…
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Paypal have debt collectors after me. Do I have to pay?
Hello everyone. I am a new member and apologise for signing up solely for advice but I don't really know a huge amount about this kind of thing. Appreciate if anyone can help. My Paypal account is 200 quid in debt because I was burned with an eBay sale. They kept pestering me to restore my balance but no way was I doing…
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Miracle - how to use best
I have just got off the phone to my Dad who I had asked the other day to loan me £13000 to clear all of my debt. When he said he couldn't I decided it was time for a DMP. I was feeling so scared about defaulting on payments etc that I just spoke to my Dad again and.... He is going to lend me £6000…
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Capquest help
I have a debt with cap quest since 2011 been paying a token payment for years then I stopped.drysdenfairfax then took me to court for a ccj I made an offer which was rejected. I looked up my statements for cap quest and from day one my balance was zero .Then after about 30 payments a figure appeared shouldn't this figure…
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Overdraft confusion
Hi all I am soon to be stopping paying my minimum payments to start saving my emergency fund and then going onto a DMP my 2 biggest debts are credit cards from the same bank as my current account. I have set up a new basic account with another bank who I have no debt with online yesterday. My question is, as I was at the…
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Tax Rebate and UC
