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Help with Cabot harassment
Hi all, I need help I had a bank account with Lloyd's tsb back in 2007. They have tried to get money back over the years for a overdraft or something I can't remember what it was. Over the years they have sold the debt to numerous companies, I have sent a proof of debt letter but never heard back from them, until the next…
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I think I know the answer
Hi I think I know the answer to this but I would like to ask the question anyway! I am 54 years old, married and don’t own my own home, I don’t have any savings and only have an old pension pot of £54k. I am not currently contributing to a work place pension. I have debts of around £10k that have an average interest rate…
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CCJ Help 😬
Hi guys, couldnt find the right category so please forgive me. Im desperate for some advice on behalf of my brother. We have tried solicitor's but everyone is on Xmas break. Long story short a chap has taken my brother to a small claims court without having any correspondence with him. My brother raised a substantial…
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Remove a Charging Order
Does a Charging Order move to a 3rd party when they "buy" a debt? I have a CO from an old Northern Rock loan. The debt was sold to a 3rd party (and then onto another 3rd party) and is now being paid via an Attachment of Earnings. Does this 3rd party also have any rights or control over the CO. I have enough equity to clear…
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January challenge
I know… Sounds mad but I’m going to have a “no spend” January… signed up for dry January too. any tips for staying on track and also making ££?
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Finding debts?
I’m trying to pay off all my outstanding debts. I think I have 3 (I’ve been in touch with all these creditors) but now I’m having a little bit of panic that there may be one or two more. Is there a way to find out? They have long since dropped off my credit record…
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What Small Things Will You Do This Week? 27/12/21
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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Debt collection letter
I have received a letter from a solicitor stating I owe money for gas used at a property I lived in 5 years ago. I have sent a request of proof letter and received an eon bill addressed to the occupier as proof. The set dates on the bill 20th to 24 the Jan 2017 I can prove that we had moved out on 4th January and have…
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Debt Collection Fees of £250 for missed property service charge
Hi, I had outstanding service charges on a flat - I usually paid by standing order a fixed amount but inadvertently went into arrears when charges for cladding were added (long story...) but essence was I owed around £1500 on top of usual service charge. The managing agent wrote to me saying "pay this or we'll pass it on…
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Advice please
To cut a long story short, I seem to have got myself into a bit of a pickle. My dad died suddenly last year, which meant unplanned time off work (no pay) and trying to help my mum out until she was able to sort her finances out. I've ended up at a point where my monthly payments are just about affordable based on my…
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What Small Things Will You Do This Week? 20/12/21
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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Virgin Money Ignoring CCA Request and Generally Messing Me Around
Hi All, Welcome any comments or thoughts on a situation I have.... I'm currently in a DMP which started in June 2019 through Stepchange was originally £60k I'm now down to £45k. I decided to go self managed in September 2021 where I CCA'd all my creditors and have done a couple of full and final offers on some of the…
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Is this wishful thinking... chances of getting debts written off.
I have posted a few times on the BR board about my relative who I have been trying to help resolve his financial situation which hasn't much changed since late 2019. Basically he has two main creditors, who still hold the accounts and who I have been in contact with on my relative's behalf on a regular basis to keep them…
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Satsuma Loans Closing
I have received a letter from Satsuma Loans saying that as a result of closing they will be clearing my outstanding balance. Which sounds great… however. They also state in the letter that they will update my credit file to show the balance as zero and partially settled. Can they do that without my agreement, obviously I’m…
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Need advice on dealing with Howard Cohen solicitors please
My wife has received a letter claim/ court action from them suggesting a CCJ application will take place. We are not disputing the debt just need more time to pay and she is seeking advice from StepChange. I have read many times these are a particularly unreasonable lot to deal with. We have contacted them to let them know…
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Fictitious Payment
I did write out a whole load of bumpf which I deleted and will just get to the point. PRA are saying that I made a payment on a debt. I am trying to find the information I need to ask for, with regards to the payment. I can not check on my credit report because it has been dropped off by at least 3 years. I defaulted in…
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need some help/advice please with debt
Hi, im wondering if anyone can help us, we are really struggling to meet our bills every month with the amount we owe on credit cards etc, covid, lockdowns and living beyond our means has got us in a right mess, we have credit cards with marbles and vanquish that are our main problems, we both have bad credit ratings so…
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Where to Start
Hi, I hope this is the right section to post in. I'm really hoping for some advice on where to start/how to tackle the ridiculous financial situation we are in. I mean we've been spiralling into it for a long time but it's come to the point where we know we need to address this and sort ourselves out but to honest we have…
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First Steps
Hi I had a light bulb moment 3 months ago and realised like we all do that my credit was extortionately out of control & had no idea how I had got to being 50k in debt . I have now begun the process and I stopped my payments 3 months ago but these are yet to default as I have just set up an account with clear score . I am…
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DCA CCA Response Help
Hi All, So I have submitted a CCA request to a DCA (Capquest) who have sent me a reply that doesn't ring true based on everything else I have read on this forum, I have attached the letter (without my details). I had a letter prepared to send in on Friday when the 12 working days plus 30 calendar days expired but I'm now…
