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Irresponsible lending complaint
Hi, back in 2012 I got car finance from money barn, a subprime lender. they repossessed the car in 2013 when I ran into financial difficulty, I should never have taken out the finance, and made a complaint last month about irresponsible lending to get the interest back. i carried on paying the arrears until approx 2016,…
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Nervous and need help on where to start with £25k debt
Hi everyone. Sorry if I am posting in the wrong place however I do not post often/am basically new here. I want to find to get out of this mess but need advice on the best way to start and what to do. I originally got into debt problems in January 2018 when I was made redundant from a well paid job. Debts: £208 LOWELL…
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CCJ In My Middle Name Whilst Searching My Credit Report
Good Afternoon All, first time poster, Just looking for advice I have recently been going over my finances and noticed there is a CCJ in the name of my middle name and surname. I had 2 CCJ's in my real name which are satisfied and fall off my credit report early next year. This other one is a mystery to me. I spoke with…
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capquest
Daughter has had court papers through from capquest today, for very catolog, she has not paid for 5 years, and cant afford anything to even start to pay it off, she says she doesn't care if they give her a ccj, she needs options, offer court what she can afford, but it will be silly offer, dont do anything and let court…
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Statute of limitations jurisdiction conflict?
I had a mortgage with a main UK Bank that defaulted 13 years ago at beginning of 2007, the property was disposed of by 2009 and there remained a significant capital debt circa 30k after disposal. The buy-to-let property was in Scotland and both I and the bank were located in England at date of contract and continued to be…
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PRA group chasing for a debt I had back in UK
Hello,So I wanted to share my situation with people of knowledge here and see what options do I have. I read quite few posts about PRA group chasing over some money, but didn't find situation similar to mine.Long story short, I went to UK in my 18's to make some money, spent few years there, got a stable job and my bank…
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£37k -> £2.5k Almost there, but...
I’m a big fan of the forums, been lurking for a long time
and in that time they have really helped me on my journey. Some motivation and advice might help for
this last bit, so a quick bit of background. 4 years ago (December 2016) I had my true LBM, before that it was lots
of planning to do it but it always slipped and…
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Should I remortgage to pay of debt even though I have a £9k indemnity
Hi , I have never posted before (on this or any other site!) I am married with 4 small children under 10. My husband and I both have reasonable jobs he is a teacher and I work in admin. We are in a lot of debt around 30k in loans and CC. I have just over spent at Christmas and feel awful. I was brought up with really bad…
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Capquest home visit threat - please advise
A letter dated 7 Dec 20 arrived a couple of days ago - long after 7 Dec - by signed-for post. I didn't sign for it: it was put through the letterbox as normal. The letter refers to a debt which is genuine and one that I was gradually paying off in small instalments: I had to pause payments a while ago due to circumstances.…
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UPDATE #3 N244 / CCJ is put aside. Next step
Hi all, I suddenly discovered a CCJ on my credit report but I never received any court papers. The address against the CCJ is an old address. Its a credit card debt but is statute barred. The default date on my credit report is FEB 2011. The CCJ is dated JAN 2019. I am trying to get the judgement Set Aside and have…
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No longer a wannabe - some questions
Hi all, I've been lurking around the past few years taking some brilliant advice from some very knowledgeable people on this here forum, so thank you very much.At one point in 2018 I was in debt around £18k, I'm now all paid up and it is a great feeling. My credit file is all in order, no missed payments/defaults/ccjs, no…
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What small DFW things will you do this week 21/12/20?
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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How to convince partner to sell flat
My partner bought a flat about 5 years ago outside Paris and has always had a tenant in the flat however the flat has never generated enough rental income to cover the mortgage and expenses. Every month he has to pay in more money to keep it going and every year or so the building requires repairs which costs more money.…
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Lowell - CCJ action question
So a friend of mine has had a CCJ application pack hit the doormat for legacy talk talk bill from 4 or so years ago, having dealt successfully myself with DCAs threatening court action in the past I was wondering if she has been given the correct information; Out of fear she rang Lowell straightaway and agreed a payment…
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Historic MBNA Debt - Revisited
Hi All In November 2014 I posted the following: "In 1997 I took out an MBNA Credit Card, and ran up £3,500 limit, which then defaulted in 2000, and was handed over to Wescot Credit Services. I set up a Standing Order with Wescot and have been paying £30 a month (reducing to £20 a few years ago) since 2000. I've just called…
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Setting off
Newbie question. Hope this is in the right forum, apologies if not. I'll try and keep it short. I'm in the entertainment business and have been unemployed since the beginning of the coronavirus. I hadn't earned enough to qualify for government loans or schemes so have been claiming Universal Credit since April. After an…
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Debts and don't know where to start
Hi I have a number of loans with different lenders, all taken out prior to Covid when I was in full time employment on a higher salary. My contract was terminated in April 2020 due to Covid and I was unemployed for three months. I am now employed on zero hours contract which means my income is significantly lower and I…
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CCG help for sister
My sister owes HSBC for a debt going back 2004. He received income and expenditure from solicitors which she completed and return. Not sure if that would go against her now. She received no paperwork from the court for a defence. She today received a CCJ stating they have not received a reply and CCJ has been entered. She…
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Default debts and settlement offers
I have been offered a settlement figure for a couple of debt I have which have gone into default. I know these will not improve your credit score as much as when you clear the debt in full. Can someone advise how much of a difference a settlement will make to my credit score. Many thanks.
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Marston lost my payment
Hello, In Dec 2019 I paid off my water debt and Marstons have been chasing me ever since for the money as they cant find it. I have sent them all the proofs they have asked for but still they are saying they cant find it. Now telling me to pay again, (which I won't of course) Yesterday a really horrible woman phoned and…