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DAS/DPP questions
Hi, sorry if uve read this before but am starting a new thread for das/dpp as I’m aware things are slightly different in Scotland. Any advice on das/dpp process would be very great fully received. Hoping I’ve posted in the correct place. Hi all, have read a few post and the advice and support here is fab, already feeling…
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CCJ written off after 6 years?
Hi, what is the process after 6 years? My other half has a CCJ which will be 6 years end of Jan, does this automatically come off his credit file or does he have to do anything? Thanks
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CCA Request Fee
How do I send a £1 fee for a CCA request if I don't have a cheque book? Thanks
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Partial Settlement or Long Term Payment Plan for defaults?
Hi everyone, I’m hoping some people with secure knowledge of all things credit can help me out. At the end of 2018, I defaulted on a bunch of credit lenders - I’ve accepted the consequences and have managed to pay off about £4K in 2019. However I have so many lenders that I’m making tiny payments to each (in comparison…
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Old debts no longer on credit file?
Hello - I wonder if anyone can help me? I have debts I am paying a minimum £1 per month to since around 2008, the total would be just under £100k (although over the years with discounts from debt collection agencies this would be reduced by up to 70% in most cases). My credit rating is now good as none of these original…
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Default dates advice
Hi everyone, I'm hoping for some advice following an article I read on Debtcamel. I entered into a DMP in mid-2014 and only recently I noticed that two of my defaults were not registered until March 2015 before the debts were sold on. I recently complained to the DCA who now owns the debt and they replied saying that…
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Back in Debt, a bump in the road
Back on here again! This post is more of a sound board for me so i can track what I'm doing, what i need to do and how i am going to do this. Feel free to add advice, feel free to ignore the thread - either way I have hit a low point and I'm climbing back up now. After a very nasty break up I messed up and took my eye off…
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Any advice on SOA appreciated
Statement of Affairs and Personal Balance Sheet Household Information Number of adults in household........... 1 Number of children in household......... 0 Number of cars owned.................... 1 Monthly Income Details Monthly income after tax................ 1960 Partners monthly income after tax....... 0…
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HBOS Wescot account
Hi everyone Not sure if anyone can offer advice re an ex HBOS debt I have? For the past 12 years I have been paying HBOS a fixed amount to clear a credit card I defaulted on. I’ve always paid on time and have never missed a payment. In January 2019 HBOS sold the debt to a company called Link financial who used Westcot to…
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Consolidate debt with Mortgage
What’s the general consensus on taking out additional borrowing on a mortgage to consolidate debts?
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Stubborn Nationwide
Soooooo...... I have eight debts. 7 have been defaulted which long term is a good thing. However, until today i had not heard from the 8th - nationwide. They have sent a lovely letter 'agreeing; to my (three month old) DMP and will review it 9 months time! No, Trevor, i'd like you to default me please! Should I ask Step…
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Help needed
Story: Lady was married for 10 years. Found out he was cheating and had another child. They split up. Now she has 40k of unsecured debt she can’t pay in her name. Husband not willing to pay. He has his own company. She has started divorce proceedings. She earns: 12k a year and 2 kids. What would your advice be as she…
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Keeping motivated.
Just a quick one really.. How do you guys keep yourself "on track" I'm always paying minimum payments and seem like I'm never getting anywhere, next month I'll be focusing on the highest APR debt and paying as much as that off as I can each month. I know it sounds like a silly question but it feels like I've been in debt…
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Payment Plan - No Statements
Hi everyone, I tried searching for information on whether a company is required to issue annual statements if you're on a payment plan with them. In a nutshell, I have a payment plan with Scottish Power that was set up in April 2017. It was the result of a very long and drawn out situation where I moved into a new build in…
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I need some help and advice please
Hi everyone, this is my first post so pease bare with me, i am really nervous and scared. I am currently a ful time student in my final year at uni, the only income I receive is my student finance, this will stop in April. I have just landed a new job which I start on Monday only part time at the moment whilst I complete…
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Help with debts
Hi everyone, this is my first post so pease bare with me, i am really nervous and scared. I am currently a ful time student in my final year at uni, the only income I receive is my student finance, this will stop in April. I have just landed a new job which I start on Monday only part time at the moment whilst I complete…
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Bank advise
Hi i have been with Nationwide for many years and have an overdraft agreed with them which I was paying around 3 to 6 pounds if I went into od never thought of moving ?a was happy with service but now they have increased the rate all found thus if I go in to od will pay twice or more then I used there rate is 39.9% Should…
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Newbie here
I am embarrassed but here goes... I have a mortgage to which 2 years ago I remortgaged to clear my debts. After a bereavement they’ve built up, to the tune of £15,000 (credit cards). I want to be debt free without the shame of telling my partner, I want to be independent. Any tips? After bills I have a disposable income of…
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Default notice from Nationwide
In December I received a default notice from Nationwide, the due date for action is by the end of this week. I won't be able to repay the whole overdraft of £1000 they cancelled few months ago and requested to repay but I can set up a payment plan to repay it in let say half a year. Does anyone know if I could keep a bank…
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Struggling to pay benefit fraud payments back.. bankrupt?
i, I’m new here and is desperate need of help. 7 years ago I left my abusive ex husband. Throughout our marriage and relationship I claimed as a single parent. This was due to me having zero financial help from ex and him taking whatever I was getting. I was in an awful position, my mum had just died (I was 19) and I was…
