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Passbook Savings Loan / Secured Loans - what do you think I should do?
Hey everyone. I'm looking for some thoughts and ideas before I take the plunge and opt to do something I've not done before. I've got some credit card debt that has just been rolling along for nearly two years now. I never seem to be able to pay down the balance completely. I'm thinking about taking out a secured loan with…
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Interim Charging Order issued but not showing on Land Registry - Can I still sell?
An interim charging order has been placed on my property but we have already exchanged with completion date 24th May. Is it possible to still complete if the Interim charging order is not showing on the Land Registry yet? What would happen?
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Overdale help!
Hello All, I received a ‘notice of acting’ letter from overdales regarding an old debt. After reading the forum I have asked for more information and a full statement of the account and also the written agreement for the debt. They have replied today but I’m unsure exactly what it means and what I do next? I have quoted…
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Incorrect Credit Reference Information - T-Mobile account that does and doesn't exist
Hi, I am in need of help with a situation that I just cannot fix and it constantly raises questions when applying for credit. I apparently have a debt with T-Mobile (Now EE) of over £800. I do not ever recall taking out a mobile or service with T-Mobile but they have been registering defaults since 2012. I have even had…
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Late default Refund
Just a quick message about an unexpected win. My Halifax CC was the last to default on my credit file, it defaulted in Feb 21 as opposed to April 19 when I first went into DMP. I filled in a complaint form on the Halifax website yesterday....phone call today from Halifax, they have backdated my default to April 19 and paid…
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tax credit overpayment from 17 years ago, advice please
Hi My mum has received a letter through the post suddenly from HMRC telling her that she owes £600 from 2004. This has come as a complete shock for my mum, as she was aware of an overpayment at the time and she arranged a repayment plan, and as far as she was aware the debt had been settled. The year 2004 is when she split…
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Are StepChange actually any good?
I just wasted 2 hours on the phone with a person who's supposedly from the Advocacy team at StepChange. I've never experienced anything LESS helpful and was left in tears.
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Final settlement paid, do I apply for a certificate of satisfaction
I asked for a final settlement offer with BW Legal and they accepted my proposal. I've paid and now received the following email, do I have to get a certificate or will my credit reports be updated accordingly anyway?
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Want to be debt free
Hi, I need some advice. My son has a credit card debt of £9,000 which is over six years old. He has received a letter from BPO saying that he could settle the account which is with Cabot for a credit card with Capital One for £4,500. As you know he can pay in one lump sum or pay it back by direct debit. He pays child…
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House Renovations
Hi not sure if this is the right place, but as it was more about finances that actual DIY i thought i'd ask here. 4 years ago, me and my husband moved into a beautiful Victorian townhouse. When we moved in it was badly in need of renovation, walls there cracks, it was damp, the windows/doors where rotten etc it had no gas…
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Bailiffs chasing but not my debt
Who do I complain to if my mother is being hassled for a debt which isn't hers? She moved into a house and the previous owner (who died) racked up a debt but she is getting hounded about it. One company went away but now another company is getting in touch, I guess its regarding another debt he had. My mother has sent…
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Been chased for a CCJ I've already paid.
I was taken to court last year, lost the case and ordered to pay. I paid what I was ordered to within a few days. I've received a letter from Direct Collection Bailiffs stating that I have failed to pay. What do I do? Will this affect my credit score?
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Discounted settlement
Does anyone know if you make a discounted settlement on a Debt, does it impact your credit score pls
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County Court Claim Form from drydensfairfax for an old credit card debt
I have tried to do as much research as possible before posting, but having now read reviews on Trustpilot (probably foolishly!) about drydensfairfax solicitors I am now concerned about dealing with them, so writing on here for some last minute advice before I do. I have a very old credit card debt from MBNA from around 13…
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IVA, DRO and Bankruptcy
Hi all, I'm new here so hope I'm using the forum right. In a little debt trouble, trying to figure some stuff out so nothing to worry about yet, but my mind always goes worst case scenario. Did some research about debt solutions and came across IVAs, DROs and bankruptcy. I have a basic understanding of what they all are…
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How can I help him clear his debt without doing it for him?
Hi everyone,First post and I hope I'm posting in the right place. I've just found out my boyfriend is in 4k worth of debt - £3500 from his overdraft, the rest is to the council tax and water company. He lost his job a month before the pandemic - very bad timing, and hasn't been able to get another yet so is on UC. I know…
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What small DFW things will you do this week 10/05/21?
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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Introducing myself
Hi, forumites. I'm new here (kind of - I used to be an MSE'r under another username, but never came on this board) and wanted to introduce myself - I hope that's OK. I have just started my debt-free journey with a conversation with a Citizens Advice advisor yesterday, and am currently feeling totally overwhelmed by it all:…
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HMRC tax debt
Hello, me and my partner are looking for some advice. So trying not to drag on too much my partner is self employed and last year after doing his tax return on the same page he seen a PAYE message that said check if your owned a PAYE tax rebate. The message said that he is owed a tax rebate of 6k, now from his previous…
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Help negotiating with Creditors
I would really appreciate any advice from anyone who knows how to negotiate a
settlement (directly*) with creditors – in this case, Arrow Global and ME11 (ME111). I’m trying to understand
the process and steps to follow as well as potential issues to watch out for while
communicating with them. If there are any templates…
