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What Small Things Will You Do This Week 19/07
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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Is this a CCA agreement?
Hi, I requested CCA agreements from all my creditors last year. Now Link have sent me the attached document and said this is the Barclaycard CCA. My understanding is it should include terms and conditions? Any advice hugely appreciated.
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Has anyone got anything from Quickquid yet?
Quickquid went into administration a long while ago and haven't heard anything from their administration claim team yet despite sending mine in about a year ago. Has anyone heard anything back from them yet or know when anything will come from it?
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Old but not statute barred debts advice? And advice.
So I have several defaults from 3 to 5 years ago on my credit file that are all between £600 and £1k and that have not been in touch for a while now and about £12k of more recent covid related stuff (newly self employed partner lost all work not eligible for gov funds blah blah blah..) which I don't think the lenders are…
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Cabot Financial Advice
Hello all, today i received 2 letters from cabot financial welcoming me to Cabot, and then going on to tell me they own "my" debt with Barclaycard credit card. well needless to say i have never heard of Cabot financial, let alone joined there group. initially i have no idea what this debt was/is? and to be honest I'm still…
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BW legal (via Lowell) filed a CCJ against me - they were posting to my old address
Hello, Thank you so much for any advice on this: 1. I try to hire a car. Most places I have no problem, but this one place they say their insurer couldn't approve me and I eventually find out it's because I have a CCJ against me! 2. Very confused and surprised (I didn't think I had any serious debts or CCJs against me) I…
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Hassled by LCS Debt Collectors
Hello, I have been getting hassled by LCS debt collectors (they keep sending me letters and calling my home number) about a £177 debt I apparently owe? I’m really not sure if the debt is mine but should I just pay it anyway to get them off my back? I don’t want to deal with them
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Hello strangers - update from me
Hi everyone I disappeared from the forum a couple of years back. Difficult health circumstances (not me this time but my hubby) meant life interrupted. Anyway, I thought I would do an update to let you know we have persevered with our self managed DMP. Having started in January 2015 with just under £95k of unsecured debt…
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Bailiffs and debt
I made a complaint against an estate agent who marketed my house. The Property Ombudsman advised not to pay the outstanding bill. I wrote to the agent, offered to pay a sum towards the bill as a gesture until the Ombudsman had looked at my complaint. They didn’t reply, I never received any letters so I (wrongly) assumed…
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Lowell court action?
Hi, just wondering if anyone knows if Lowell are likely to take me to court for the following; 3 defaults all due to be statute barred in 2 weeks time. 1. £410 2. £105 3. £47 First question to which i think the answer is yes is can they combine all 3 into one court case? (even though they are defaults from separate…
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Irresponsible lending found in my favour
hello all, i was wondering if anyone could offer any advice on an irresponsible lending claim. I put in an irresponsible lending claim against NEXT and they have found in my favor, they have contacted me today to say they are now putting together their final response and how they will put this right for me. however, they…
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Student Loans Grant Overpayment
Hi all - Wondering if someone can help me - I recently received a letter off student loans saying as I had not responded to past letters (I've not had any) re: a grant overpayment they had made, I owe them £369 and debt collectors would now be in touch. I've logged onto my student finance and looked through the letters and…
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Do i stop paying my DMP
Sorry to ask a stupid question. i am on a dmp with stepchange and about to try and pay all my debts off as i have some money from my inheritance, i am looking into writing to them all to ask for cca but if they come back without one do i tell stepchange to stop paying them???
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What small DFW things will you do this week 12/07
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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Worrying letter from PRA Group about a debt from 2012
Hi Everyone I've just had a letter drop through my door from PRA Group, regarding a debt I had with a payday company, in 2012. Back then I had some unmanaged mental health issues and took out a number of payday loans that I couldn't afford to pay back, ruining my credit rating in the process. They have sent me a letter…
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Full and Final Advice
Hi All I have a defaulted account from April 2016 where I have been making payments towards to Debt Managers who own the account from Tesco Loan. I have confirmed that they hold the original CCA and Tesco have signed it all over to them. I have only been paying £20 a month for two years on it and owe £14000. Due to family…
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Shark UK sent 'debt' to debt collection agency with zero warning. please help
I need some help as i've never been in a situation like this before! Bought a vac on the installment plan however the last payment failed as the card details were wrong. First thing i knew about this was when i got an email saying payment had failed 3 times and they have now sent it to a debt collection agency! I call them…
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Should I settle a 4 year default?
Hi everyone, I have an default from an overdraft with date of 31 March 2017 in an amount of £2500. Long story short, this was a student overdraft from when I was an undergraduate until 2008 (I think it started with a 0% overdraft of, I think, £1000 though I may have increased that, I can’t remember) which I stupidly…
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Just saying hi
Hi, been browsing for a while thought I'd actually register. Have been on a DMP with stepchange for a year now, was meant to be debt free in 3 yrs but hoping to have paid it all off in 2 years so 1 year left, fingers crossed x Most of it I gambled away but joined gamstop and haven't gambled in over a year. Losing my…
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Credit card default/ mortgage
Hi there, I'm currently going to look to get in a dmp. I have halifax mortgage and Halifax cc. Would default on cc affect my mortgage. Many thanks in advance
