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Old debts
I have old debts, one which is 20 years old othere are old store cards They have been sold on severely times I have made no payments on them for almost 6 years, I understand will be statute barred when six years have lapsed. I have offered payment on a CC J J have which is 13 years old which they did not accept I have now…
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Search squad
Has anyone received a letter from the Search Squad - second letter received this morning that they need my help tracing a person?!? it’s in my old married name - seems strange??
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Lump sum to pay off everything! Woohoo
I have sold my house and with the profit aside from using half for deposit on my next house I also have enough to pay of £20k in credit card and catalogue debt. Shall I just pay off the balances or is it worth calling them to see if I can get a settlement figure?
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Overwhelmed by debt
I’m new to this but I have secret debt from family and friends and I am so overwhelmed. In March 2020 my mental health post baby deteriorated and I got diagnosed with PND my partner had to give up work to support me and our child. I was put on sick leave which meant we struggled financially. I’m now in £27500 of debt and I…
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Dealing with debt and self employed
Evening, Really interested in peoples stories about debt repayments and being self employed, so a fluctuating income! I have some debt, currently manageable and luckily on interest free cards. I'm self employed, income really does fluctuate and I'm chipping away at my debts with weekly amounts as I'm getting money in…
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Debts
Hi I have a default against me and a loan that's close to being defaulted. Due to ex not paying the loans that he had an undertaking for. I'm I better to struggle to pay it (have kids) or do I just get the default. Is one default the same as 2 defaults. I have to sell the family home soon so I might have to rent in future.
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Debt Advice
Hello All, Newbie here looking for advice. So through various idiotic decisions over the years, I have racked up £38000 on 4 personal loans and 2 credit cards. Although I am not behind on any payments, as soon as I get paid, the loans get paid out, I make the minimum payment on the credit cards then I end up having to use…
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Support and advice for dealing with a massive debt without going under!
Hi All, OK, this may be a long first post so apologies in advance (I've lurked for years now but it is time to ask for help). I’m
up to my eyeballs in debt, it’s a properly toe curling amount of about £48,000 and
I need to really get it sorted…well start to get it sorted. There are however
some things I need to say first…
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How to dispute a debt?
I have received a letter from debt collector about a gas bill that dates back from end of 2015 to early 2016. They then texted me a few days later about the same thing. I haven't replied yet. What happened back then is that I moved to a flat, asked to switch right away and the current supplier (which was npower) refused to…
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Lost account?
Hi, I have been trying to clear debt for several years and am almost there. I am at the point of changing from an interest only to repayment mortgage and have almost passed all checks. The one thing holding me back is a historic EE debt. I need to set up a payment plan and have evidence of this. I have contacted EE who…
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What small DFW things will you do this week 05/07
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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Attachment of earnings order.
I have an unpaid water bill and I unknown to me I received a CCJ. I was unaware of the CCJ and a few days ago I received a notice of application of attachment of earnings. I managed to cobble to money together and I’ve called the water company and paid the amount in full as specified in the court letter. I’ve set up a…
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Link finnancial, debt collectors
You will find they are a very very large company, that seem to operate paymments to them in Luxemburg. ? They are also conected to the Kayman Island which many people know is a tax haven for British companies. I have found they use different company names , they have contracts with DVLA and Scotish Power in collecting…
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Threatening debt collection when payment not overdue?
hi there, May I ask a question? just had letter today from insurance Co to my husband, After write off theyve cancelled policy and written to confirm this, but in the letter it says there is an amount owing and payment must be made within 7 days, however the letter is dated 25/6 and arrived today, 9 days later!! the letter…
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Payplan Annual Review
Payplan have asked for 2 months of Bank Statements and Payslips. Do they alter the payment plan? I worked 2 months overtime and i have a bit more in my bank account. Thanks
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CCA cannot be provided
Hello, I have 3 debtors who have written to me to advise that the CCA is unavailable and therefore the debt is unenforceable. I realize these debts stay on my credit file and I am trying to clean up my credit file as much as possible with defaults. What do you suggest I do? Should I ask for a settlement? Has anyone been…
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claiming back bailiff fee over wrongly accused business rates
hi all, I lease a very small unit for storage (no business). I recently had a bailiff knock on my door saying I owed a very considerably amount to the local council in business rates (over 10k). evidently it had been taken to court, judgement made against the unit, to then me. I had to pay the bailiff at least his fees…
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Debt Consolidation Mortgage- Thoughts/ Advice....
Firstly, thank you for taking the time to read all of this post. Fundamentally we are not in a completely dreadful situation, but just feel a bit stuck at the moment. We live in central London and some of the figures reflect that. Both my wife and I run own own separate limited companies whose business has been completely…
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Are the HMRC being stupid?
Long time listener, first time caller and all that… This is
a question relating to tax but please bare with… I’m providing a bit of detail
to explain my situation.It's also a bit of a rant... To cut a long story short, my partner and I had 7 rounds of
IVF over 8 years, we only got one cycle on the NHS and funded the rest…
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Has anyone dealt with Shop Direct Finance - Very - they are driving me crazy!
OMG has anyone else had dealings with these? They are soooo annoying. Same as for a lot of people, everything went wrong for me last year with furlough etc. I've really struggled, but am now setting up plans with my creditors and they have all been ok, except for these guys. They call me daily, email me all the time, are…
