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Resolvecall chasing old debt
Hello, I’ve just had a door knock from resolve call, who are saying I owe a debt to Orange from 2005 of around £400. They sen a letter last week which I ignored. I don’t recall owing them anything, and have never been contacted regarding the debt before now, as far as I can remember. Am I right in thinking they can no…
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Resolvecall collection letter please help
hi all. I have received a letter from resolvecall with regards to a date I owe to Orange. I don’t recall this debt, Orange went out of business years ago. I understand that I have to send a prove it letter, if I sign the letter an I admitting that I owe this money because I don’t believe I do. By signing it does this give…
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In a lot of debt
(Scotland) I have found myself in a bit of debt - quite a lot actually. £39,000. Made up from various credit cards and couple of loans. This month is the first for missed payments. I am trying to build an emergency fund whilst I wait on default letters. However, I have a small issue. I am still relying on credit cards for…
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Contact creditor or continue to wait?
MNBA and Lloyd’s credit cards reported default last year July 2024. I do have affordability complaint ongoing with the Financial Ombudsman. I haven’t heard anything from Lloyd’s and MBNA since account was defaulted in July 2025. Wondering if I should contact them to set up a payment plan or just wait for them to contact me?
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Responding to Kearns Letter - Link Financial
Happy New Year to you all. If anyone can advise, that would be very much appreciated. I received a Kearns letter while I was away for the fesitve period and just returned and have 7 days to return before their 30 day stipulated period expires (assuming this is not 30 working days which would give me another 2 weeks). I…
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Needing some support/advice
Hi everyone, I’m really struggling and could do with some advice/support, as I’m at the point now where I can’t afford to repay my debts. Sorry if this gets long I know I will ramble. I’ve always worked from being 16. Back in October 2024 I was headhunted for a new job and took the opportunity. 2 days before starting I…
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new debt collector after CCJ
a friend had a CCJ for a debt in 2001. she didn't pay & it was never chased up. 4 years ago another debt collector sent her a letter requesting payment, they seem unaware of the CCJ and do not have a credit agreement. Unfortunately she made a payment, They are now threatening a home visit. The CCJ is out of date & they do…
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Who can I pay for professional advice on debt management?
I’m a contractor operating through a limited company. I currently have unsecured debt which is being consolidated via a proposed mortgage further advance, and I also have overdue Self Assessment tax to manage. I’d like guidance on whether the further advance is the right strategic decision and help building a structured…
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Ombudsman complaint on hold
Hi there, I received the email below today, in relation to 2 complaints against Virgin credit card complaints that were upheld by the investigator… Virgin didn’t agree, so it was escalated to the Ombudsman a couple of months ago. I’ve not paid anything in 12 months and both had defaulted but are no longer showing on my…
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Debt Management Plan
Good afternoon all, I hope this finds you well - sorry if i have not posted this in the correct place. I have broken up with my partner for the right reasons, however we had credit card debt which was solely in my name so now i am lumbered with it all. It's around £40,000. These are made up from several credit cards. After…
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Help after gambling
I’ve been a nurse 40years never needed financial help. Unfortunately I started gambling while on medication for Parkinson’s disease. A well documented side effect of these meds. Once meds changed I stopped altogether. But the damage to my credit score is done. I need my car for work, but my car needs work doing on it. It’s…
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Link Financial - payment plan?
Hi guys So my Lloyds Bank Loan finally officially defaulted and the debt has now been sold to Link Financial. I have set up a standing order for £15 a month to them which is all I can afford at the moment. They recieved my first payment and it's showing up on the online portal. Today I received this email from them, they…
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ACI UK - Sent Prove It Letter - Still getting calls.
Morning All, Recently I received a letter from ACI-UK Stating that I owe £568 to HSBC. I have no recall of this debt owed and nothing is showing on my Credit Report. This could quite possible be from my youth some 20+ years ago now! I therefore sent a "Prove It" Letter via Royal Mail signed for 1st Class, of which was…
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Consolidating debts
Looking for advice before signing up for a personal loan to consolidate debts. Currently have 20k in debts on various 0% credit cards. Paying the minimum payment every month £350. All of the cards lose the 0% promotion period at some point this year so will have to switch them all which will of course come with a fee of…
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Self managed DMP
hi, I have 6 defaulted accounts that I make small monthly repayments on, and the interest has been frozen on all of them. I have been paying regularly for 4 years now. What happens after 6 years, are these debts wiped? Presumably if yes, it will take longer for my credit score to recover than if I had settled them? I am…
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Advise please letter from moorcroft
I’m in the process of starting a self managed debt plan just looking for some clarification on when to start making payments, I have stopped payments and waiting for defaults one debts had been passed to moorcroft and they have sent this letter as it states in the letter that a default has not yet been registered do I…
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Marston Recovery and Vulnerable person
my friend is a stroke survivor, from a stroke July 25. He still has full care support from the rehab team and 4 care visits a day. Prior to this stroke he was in a coma for 7 weeks from pneumonia, and also had a previous stroke where he was sent to a care home for rehabilitation. He has had an aggressive visit from Marston…
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Lost (Scotland)
I'm just lost just now. To give some background, I had a disagreement with my ex wife regarding child maintenance payments as I had both my daughters staying with me 4 and sometimes 5 overnights per week but paying £400/month. Long story short, she lied to CMS saying I only had them 2 nights per week, I refused to pay it…
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TPP StepChange
Hi All Over time, since my divorce, I have slowly been building more and more debt, mostly CC’s, short term loans, home shopping. I initially applied for a DMP with SC, but after some changes to my I&E, they say I don’t have enough funds to deal with the 23 (god 🙄) creditors. I only have £110pm available. So they have come…
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credit card (aqua) selling to Link Finance
hi, I'm looking for advice. i have a credit card with Aqua, I've recently been sent an email that they are now selling my account to Link Financial Outsourcing. i know i have to wait for them to contact me within 60 days, however i have financial anxiety and questions. firstly, what does this mean? what can i expect from…
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