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Struggling with debt? Ask a stepchange debt adviser a question
If you need help with your debts, this is the thread for you. This is a new thread, as the old one was getting a tad long. Trained advisers from StepChange Debt Charity are here and waiting to answer your debt questions. They're a friendly bunch so please don't be shy! There are three ways to get in touch: 1 - Simply post…
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DMP mutual support thread part 13 !!
Welcome to the DMP mutual support thread Part 13 !! Here you can find help in starting and running your DMP, self managed, Stepchange, Payplan and any other DMP all welcome here, but we do encourage you to use a free service, not one you pay for. There is help on getting interest and charges stopped, how to start with an…
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Charging Order? The myth
I feel that this is so important that I thought a new thread should be made to highlight the importance of understanding the law on Charging Orders and how many people are stuck with their property in the false believe that they have had a Charging Order put on their property. In particular the thousands of Northern Rock…
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The Debt Free Roll Of Honour
Update December 2018. We started this Debt Free Roll of Honour back in 2006 and since then there have been some fabulously inspiring stories, which you'll see if you read below. To read the most recent debt-free announcements click the double arrow above to head to the last page of the discussion Back to Martin's original…
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NEW POSTERS LOOKING FOR DEBT ADVICE - READ HERE FIRST BEFORE POSTING ANYTHING !!!!!
People post on this board looking for advice on many different debt topics. However its sometimes difficult to post in the right place, so, if you are wanting general advice from our panel of regulars on your debt issues, and how to go about solving them, you create a new thread using the big red "create new" button, top…
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Reclaiming money back from various payday loan companies
Hi all just wanted to share some good news regarding payday loan companies..... From early 2011 until mid 2014 I too was caught in the payday loan trap, all my own fault may I add, I borrow the money and in the end paid every penny back, would estimate 15000 over the years maybe 20. Early this year I saw all the news…
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In Debt and Wannabe Debt Free? first Steps to take are here, please read, then ask questions.
This thread provides guidance about some good first steps you should take if you are in debt and want to get debt-free. It doesn’t matter how big or small your debt is, or whether you are comfortably paying your debts and looking for advice on where to cut back further or struggling to cover your basic needs - we are here…
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Pls remember Debt-Free Wannabe's for support and help not judgement
Martin (Lewis) made the following announcement a few years back. But the link in the stickies is broken. Anyhow, here is what Martin said: "Dear Money savers..... Debt Free Wannabe is one of my favorite boards on this site. It's also one which runs a delicate balance. Many people who have serious debts have hidden them for…
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DFW Sticky-Provit/Statute Barred Letters, Defaults, Mental Health Help and Guidance, all here.
Debt-Free Wannabe Sticky - Please read for links to important topics and help Hi folks :) This is the Debt-Free Wannabe Sticky where links to all current important tools and information will be posted. Links: (1) Those who are new to debt, and want to know where to start, check out these first steps :…
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Statute barred debts and the Limitation Act
Statute barred debts and the Limitation Act Statute Barred debts. A debt will be "Statute Barred" if there has been no acknowledgement of the debt by you making a payment or in writing within the relevant limitation period. The debt would then be legally UNENFORCEABLE, unless the creditor has already taken legal action…
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Letter from Cherry Godfrey
Morning all, like many I am 6 months into waiting for defaults with the plan to start a DMP. None have defaulted yet although I have had a couple of notices. One of my loans is with Cherry Godfrey and as they are a mainly off shore outfit, they seem to operate a bit differently. They have gone down the route of trying to…
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Persistent debts built up, 0% periods ending on cards mean its unaffordable - DMP
Good evening folks, I did post in the DMP thread but figured this is possibly worth having my own thread for, so here goes. This month is when I finally stepped back and took stock of my financial situation. Total unsecured debt is circa 70k across a couple of loans and numerous credit cards. I've been managing fine until…
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PastDue Credit Solutions - chasing for HMRC payment
Received a letter (8 days after it was supposedly "sent") from Pastdue saying I owed their client, HMRC, £4,3xx.24. I have not received any communication direct from HMRC for this amount. I paid HMRC £5,1xx.84 in March and £100 in April. Should I not have received another communication from HMRC rather than this letter…
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Debt getting me down
hi everyone, I am pretty desperate for help and not sure what to do! I have around £40k worth of debt and just about covering everything every month! I have spoken to pay plan and cccs and one has suggested an Iva and the other a dmp (which will last 17 years!!) the thought of either of these frightens the life out of me…
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I have just got back a CCA. payment history
They have said 'any temporary unenforceability no longer applies.' They have sent the payment history which starts from July 2017- June 2026. But July 2017 payment says GAP PAYMENT and they have stamped the CCA with 'received for and on behalf of the issuer 20/09/2011' So it looks like there is almost a six year period…
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Potential Scam - Any History? Apex Management Solutions
This may be a legitimate company but I would like to know if it is a possible scam. I recently received an email from this company stating that they are debt collecitng on behalf of someone else. I have no idea what this is and am concerned at the legitimacy. They state they have sent previous correspondence which I…
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In lots of debt and need help getting out.
Hi all No judgement please I know what I did was stupid, I was desperate, but I want to look forward. Income 2600 Bills and due dates Rent 1150 (29th) Energy and Gas 50.00 (1st) Broadband 30.00 Council Tax 136.00 (1st) Food shop around 80.00-100.00 a month Loan repayments (The problem) I'm not going to be going into more…
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Requesting debt write-offs on medical grounds?
Good evening, Both Citizens Advice and some on this forum have suggested I may be eligible for debt write-offs due to my health circumstances. I have a combination of physical mobility issues and mental health problems. I was made redundant in late 2024 and have been unable to work since because of my health. I currently…
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Self DMP, 2/3 month in, some irresponsible lending complaints have come in
I have stopped paying all creditors for the past 2/3 months now. I am in the verge of getting my defaults with some of them. I think I have had a few defaults already, I need to double check. I have received a few upheld complaints saying that they should have done more checks before increasing or lending to me. First one…
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6 Year old default debt - written off?
I have a few defaults from 2022, which have been passed to a debt collector and I have been making token payments for years now. I am aware that after 6 yrs the defaults drops from my credit file. However, I have acknowledged the debt exists and have been paying to it so the "statue barred" of 6 years does not apply. So I…
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What would you want from an MSE SOA? 🔢
Hi everyone, The existing SOA calculator has been a huge help to MSE Forum users for many years. It has supported countless people in setting out their finances clearly, getting practical feedback, and taking the first steps towards sorting things out. We’re tentatively exploring whether an MSE version could be useful, and…
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Stepchange
Hi all, finally facing the music of £38k debt, having min payments of £950 a month before all house bills and only having £30 left over a month. The cycle of using my credit cards, then them going over limit is crippling me. Can’t get any 0% interest cards. I’ve filled out Stepchanges form yesterday online, what’s the next…
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Spiralling debt help
hi. I’m in around 40k of debt with 2 loans (16k total) and the rest on cards. Combination of made redundant a while back. Never missed payments. Have a mortgage and second charge. Mortgages total approx £560k and house is worth between 660-700k. Earn a salary of 65k and have children. I can’t carry on and am scared I won’t…
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Debt Help
Me and my wife (both in our mid 30’s) have around £36,000 of debt, accumulated over the past few years due to unforeseen circumstances. We have entered into a DMP and have been paying consistently for a year now. I am concerned about my employment due to the nature of the regulated business and need to disclose this but am…
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Santander Loan and Overdraft
Hi, just looking for advise. All of my debts have now defaulted and I have set up payments plans on standing orders. The only one that hasn't is a Santander loan and credit card, they have passed the debt to Moorcroft who have contacted me and I have ignored to it gets defaulted. They have now turned up at my door this…
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Help required with large Persistent Credit Card Debt. Have had a recent first Default.
Hello Debt-free wannabe's, I am new to the Forum so just wanted to say hello first before posting anything in detail. Just wondered if you would be ok with me listing details of 6 of my credit cards and one loan? Thanks, M
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Cabot still bothering me
Letters, texts and phone calls and threaten of agent calling constantly on accounts they cannot provide CCAs for . I have written to them via post as well as emailed very clearly and to the point that they should only contact me via hard copy letter through post , and to remove my phone number , stating until CCAs provided…
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DMP vs non DMP advice??
Hi everyone, I'm looking for some advice and people's thoughts on my current DMP with Payplan and if there may be more appropriate options based on my current plan and the context of my progress (explained below). I will try and explain the situation best I can (but can add any other helpful information in replies should…
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Bank loans and CCA’s
I have 2 defaulted loans, 1 is a Barclays loan and the other is a barclaycard masterloan. Am I right in thinking that you can’t request a CCA for loans?
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Moving abroad - how to handle credit card debt?
Hi, I was told to post in this forum, so I'll repost my message here. My husband and I are looking to move to an EU country in the very immediate future. He is being made redundant as his workplace is closing, and he has managed to secure a job in my home country. We have a 1 year old, so it seemed like the right time to…
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