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Cder group
I have cder group chasing me for pcn fines Is there any help here
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BBC debt article
https://www.bbc.co.uk/news/uk-wales-63285820 Anyone know why she didn't do a DRO? The article said she went bankrupt on CAP advice for 28k debt But we learn at the end of the article that she receives UC as well as her earnings - at that level it should not have been difficult to get her under the £75 surplus rule. Even…
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Worried about arrears and defaults on a dmp
I have 28k in debt and had my first missed payment mark on my credit file, this was due to not paying the minimum payment amout, I'm on a dmp with Stepchange and paying as much as I can, do I just wait until it defaults? Does this then get passed onto a debt agency?? Wouldn't an IVA be better, is it normal to keep paying…
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Links between financial institutions
Hi, With my oh about to default on his debts for the first time I’m wondering if there are any links between his creditors and his building society that we should be aware of, incase they try to take money out that they shouldn’t? If they can even do that.. He banks with Nationwide and owes money to Barclaycard, capital…
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Defaults & DMP .... what next ?
Hi I entered into a DMP with Stepchange in August 2018 following 3 defaults dated May 2018. I have kept all payments to Stepchange and not incurred any other debt at all. If it wasn't for the 3 defaults I would have a very clean credit report. My question is about the future. From what I understand, the defaults are…
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Posthumous Council Tax rebate
I have recently successfully challenged my Council Tax band so will be due some money from when I moved in. They have backdated this to 1993 and my grandmother paid the council tax from 1993 to 2014 - is her estate due a posthumous payout for the overpayment?
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Rude debt collector at door for PREVIOUS tenant
Moved in 2 months ago, had a relative around who opened door to go to shop to find someone in doorway just standing there and gave a name, I recognised it as former tenants name who was in care for months before passing away, Person had no id, wore no identifying uniform and I came down and he asked about the Scottish…
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Longterm DMP advice and support needed
So I've recently had my lightbulb moment and have done the work to go through step changes process to get help and after everything the recommended solution is a DMP. My only hesitation is that it will be for 13 years 7 months. Obviously I know it'll be worth it in the long term and that's such a long time that I could…
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I have been offered an IVA..
Hi, earlier today after the dreaded look at my online bank account I decided to try and find some help online, I got as far as a debt help website where I entered my details and received a phone in under a minute of giving my details. The girl I spoke to was great and took down my details, how I got into debt etc and then…
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Removing a charge on a property
Hi. Trying to get charge lifted on my property. It was a secured loan, since repaid and am hoping to complete on my sale if the property on 28/10. Alliance and Leicester (now Santander) say they sent necessary paperwork to the Land Registry on 6/10 to get this removed but Land Registry have no record of this. I’ve been…
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Starting DMP
Going down this route very shortly, trying to get a grip on the order in which to do things. Get new bank account for Salary to be paid into 1. Stop paying cards and loan altogether, save cash for EF? 2 wait for debts to default on credit file, then contact stepchange and start DMP Does this sound right? I have a Starling…
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Refinancing
Hello! I wonder if someone can help, myself and my partner are both self employed, both running limited companies and both doing well up until recently. My business is badly effected by the cost of living issue we currently face in the UK. Over the past few years I have used debt as a way of financing growth for the…
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Overdales Solicitors / Lowells
Any advice on what I can do in this situation please. I noticed I had a default placed on my credit record from Lowells, after I put in a dispute to the credit reference agency, I started getting letters from Lowells about a debt they say I owe. About a month ago I had court papers from Overdales Solicitors. I've put in a…
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Debt Management Plan Review
We are on a Debt Management Pkan and have just remortgaged. Our mortgage payments have doubled and we can afford them as we’re both self employed and earnings are actually increasing. I’m worried about the DMP now, as our income and outgoings are quite different. I’m thinking our creditors may well pick this up from our…
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Missed payments, defaults and credit score with DMP
I have a debt of 28k and have been on a debt management plan for a few months now, recently I had a missed payment come through on my credit report, even though I'm paying off a certain amount it wasnt enough or the minimum payment, should I ignore letters? Could I call my creditors to expand? Will this now continue and…
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what if there is no money left for DMP???
Hi have had a DMP for almost a year and currently paying about £360pm. What is worrying me is the cost of living crisis. We have been manageing fine with the payments but our mortgage (interest only tracker) has gone up £200pm, which my wife has paid for. However if interest rates do go to 6% as predicted then that will…
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Can a debt collector enter my house?
My ex moved out about a year ago,letters keep arriving for her,which I kindly popped through her door,anyway she`s gone away for a few months,so I put NOT AT THIS ADDRESS on them and stuck them back in the post, and some of these letters are from loans that she hasn`t paid etc,anyway as they are still arriving,I`m worried…
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What Small Things Will You Do This Week?? 17/10/22
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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Stepchange to Self Managed - F&F Question
Hey there, I haven't been on these forums for quite some time, the last time I posted I was drowning in £34,500 worth of debt and absolutely lost. This forum got me out of that hole, and I currently have just over £6,000 to pay back. So if anyone is currently reading this and is losing sleep over their debt problems,…
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CCJ settled outside of month timeframe
Hi all I had a question that I was hoping I could get some guidance on. Essentially, I was issued with a CCJ claim form on the 16th August 2022 which I did not reply to, which related to an outstanding parking fine that I thought had gone away. I was then subsequently issued with the judgment on the 8th September 2022…
