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Massive rent arrears + lack of mental capacity
I have a friend who is mentally unwell and owes £9,000 rent arrears. He became unwell because the property he was living in had long-standing disrepair (going back several years). He has now abandoned the property and moved elsewhere. He receives disability benefits: EESA + Severe Disablement, DLA, and Housing Benefit (the…
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Full and final hoping it won't reset the clock on other debts that are almost SB
I have 2 debts both with lowlife I have a 40 % off offer on both but I only want to settle one as the other I believe is unenforceable. I can either call or register online to settle it. My question is if I settle 1 account number can I reset the clock on the other debt ? If I register online im worried it will reset the…
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Tortured by Arrow and Resolve call
Hi can I please get some advice - I had an MBNA credit card in 2009 it defaulted and my last contact with arrow global was in 2013. They kept sending me letters until March 2020 and then an agent from resolve call called to my address and demanded I discuss the account. I told him that I have no account with Arrow/Mbna and…
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Advice please? Considering going on a payment plan
I’m £8,500 in debt now to Barclaycard. I’ve narrowly managed
to avoid defaulting on both a Tesco loan and the credit card over recent months
but have now fully paid the loan off so Barclaycard are my sole creditor. In my last call to the specialist help people at Barclaycard
around a month ago the advisor told me they…
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Full & Final Settlement Refused
Posting on behalf of my OH. He has had a managed debt program for around 8 years now. 1 of his debts was sold to Cabot and quite possibly this was not the first sale of the original debt (he is as good at keeping paperwork as he is in managing his money lol). I have been trying to help sort out his finances as he hasn't…
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Flummoxed by decreasing balance yet INCREASING interest charges on Barclaycard
I'm very confused by what is happening with my Barclaycard. My entire balance is transactions and no promotional rates apply to any part of it. I have been decreasing the balance by around 250 to 280 per month, which is just a little (5 to 30 pounds) above the minimum payment I understand interest charges vary a little…
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Please help. Don't know what to do.
Received a Claim Form from County Court Business Centre today. Total amount in the letter is £18727 with court fees and legal costs. It's in hubby's name. He isnt working and hasn't worked for the last 3 years due to a nervous mental breakdown and has subsequently been diagnosed with psychotic depression. He is suicidal so…
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Debt Advice - Help
I have been in a Stepchange DMP for some time and have managed to get a 25K debt down to about 13K. Unfortunately, my work situation changed and my earnings went down, and after some massively bad luck, I ended up with a couple of BIG bills (Needed new roof, Car Blew up, Huge Vet Bill) I STUPIDLY ran up more credit card…
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Any advice appreciated
Good afternoon, Just looking for advice as to whether we're doing everything we can and going about this the right way, basically we're expecting our first child in a couple of months and have cleared our credit card debts and have two loans left we took out for home improvements (so sort of spending beyond our means but…
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Paying down UK debts from overseas before coming home...?
We're seriously considering returning to the UK next year from the US. Just got to the point where I think we're both exhausted with life here and have had enough. Too much stress. I know the UK is hardly stress-free, especially right now, but it's an improvement on the States! When we left the UK in 2016, it was in a bit…
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I can’t stop the nightmare and it’s killing me...
Since my ex partner and Carer stole all my savings, I have been struggling to survive on just Disability Benefits that do not even cover basics, never mind bills and my mortgage. As a result, a broker arranged a loan for 3 months while I tried to sell my beloved cottage, and then refinanced it to a 6 month Bridging loan to…
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Old style forum
Evening all - is there a way to navigate this site with the old style set-up or not please? Haven't logged on for a good while. TIA.
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Debt Help!
Hi I am new here and looking for help. My credit report is in a bit mess. I have a loan and an overdraft which I defaulted on around 5 years ago due to personal circumstances, in total they come to £8,385.00. I haven’t made payment or contact with anyone regarding the debt and my credit report states the default date is…
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What are my options?
Morning all So I currently have 2 loans amounting to approx £14k and a credit card at about £3k. My total payments on these three are quite high each month so I have been looking into ways of reducing my monthly expenditure to make it more affordable for me (I have no other debts, no previous CCJ's, IVA's or anything like…
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Being kind to yourself
Has anyone found themselves in a similar situation? SC DMP for 2 years. Self managed DMP for a year. Reduced my debt from £21k to under £6k. Have a healthy emergency fund for lifes little setbacks. Been throwing money I've saved during lockdown at the smallest debt, which will be gone by christmas. Yet every month when I…
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soon to be debts
I've been a long time lurker and with this site I cleared my debts a few years ago. Since then I have some savings that somehow get eaten up but unforeseen problems - vet bills, supporting my mum's income when unemployed etc. lately my mental health has been awful and I'm taking the first steps to deal with that via…
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Help with old debt advise
Hello everyone,many years ago I went through an
extremely difficult period in my life. I seeked assistance from a national debts charity (it doesnt appear to no longer exist?) who helped me set up plans with £1 monthly payments. I owe about £7k for one old loan and about £800 for an old CC. Over the last few years i have…
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Should I request CCAs for my debts?
Hi Everybody, Hoping to get some advice on moving forward with my debts. I have two; one for around £2,000 and one for around £2,500. Both were credit cards and have defaulted (in late 2016/early 2017), and are now owned by debt collecting companies. One of the debts I've been paying around £20 a month on for the last two…
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Super Hero Dad site
Hi all, advice required. A good work friend of mine has got themselves into a lot of financial difficulties, with around £31k of unsecured debt. After a few drinks at the weekend, they confessed that he has signed up with a debt charity called Super Hero Dads that he had seen on Facebook. He says they are specifically for…
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Dmp or not?
Hi all. Thinking of getting a dmp through stepchange. In 12k credit card debt. Have a current mortgage with halifax. Deal expires april 2023. How hard wud it b for me to get a new mortgage deal then if I had a dmp? I pay off minimum amount of debt every month and its leaving me in the minus most months. Then they're adding…
