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affordability complaint
Is it generally worth appealing the first decision made by the financial ombudsman if they do not uphold your complaint? Specifically they state the lender could have considered transfers into my account I identified as my partners income and child maintenance as income, which raised my total income by 2300. Should my…
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Progressive Illness and Debt.
Hi all, Hope you're well, i have been suffering from a Neurological condition for over 8 years and sadly over the past 6 months it's been progressing quite rapidly. I have had to leave my job due to my illness. I am struggling to pay my NatWest Credit Card i have explained my circumstances to them and they won't budge at…
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DMP and Bonus
I'm on DMP, paying off 5 different loans etc. I've got a bonus in my work - what should I do? 1. Transfer that to DMP, and they split that among all creditors 2. Or select one creditor and ask them to settle the debt for some percent of the total amount (60-80%)?
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Debt collector contact GDPE
Hello all I’ve been reading loads of posts on here and have all been really helpful so first thing today is a huge thank you to all the contributors. I have a lot of personal debt, and following advice on here I will start a DMP once I’ve got defaults from creditors, I’m feeling ok about all that and in control. Specific…
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DRO or DMP I don't know?
I ws made redundant at the start of the year and now work part time for minimum wage and I became a carer for my Father who has Dementia and is living with Cancer. I had been plugging the gaps in my finances with the small savings I have but started to realise this wasn't going to be sustainable. I took out a loan last…
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Debt help
Hi looking for some advice I’ve got debt collectors visiting my house and emailing, texting over a debt from next. Next had emailed me 2 emails one stating that my account was paid in full and that I had cleared my debt ( I haven’t this was sent in error from them ) and one apologizing as it had been sent in error. Could I…
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Zopa Affordability Complaint - Nearly there...
Just wanted to share some news.. I raised an affordability complaint with Zopa for a £20k loan in December. Zopa rejected my complaint and also my appeal. So, I raised the complaint with the FOS in February. Having submitted evidence (bank statements etc.) I seem to be nearing the finish line. The FOS are viewing in my…
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Moorcroft - home visit
Had an issue a few years ago with competition sites, sadly resulting in a significant debt as those sites accept credit cards and aren't considered gambling (already had issues with gambling in the past). Been ignoring it for a couple of years, wrongfully, due to the shame of it all, it got me in a really bad head space…
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Default or AP
Hello, Trying to keep it short, I had a lot of financial issues about 3 years ago, had a cancelled Iva too which has completely ruined my credit as couldn’t remove! Still have 3 years remaining of around 8-10 defaults around 8-10k of debt. Recently went away and unexpectedly had a huge bill with EE over £500 had a credit…
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Debt help
Hello wondered if you could help please? I’ve got myself into a tough situation which I know I’m responsible for and have made mistakes over the years I don’t think mentally I was in right place and have got £132,000 worth of debt that I’m now trying to pay off. I’ve gone through Stepchange to step up a DMP with them and…
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6 months for write off decision - too long?
I submitted a debt write off request to Link Financial back in January, with full supporting evidence including a DMHEF, police report, specialist counselling letter and details of the abuse I went through that led to the debt in question. It’s now mid June, so six months later, and I still haven’t had a decision. I’ve…
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Debt Question
Hi all, Firstly thank you for taking the time to read this. I have followed the steps on a DIY plan, so far I have cancelled the direct debits for the loans and credit cards to stop all payments. Based on recommendations I have ignored calls other than to state I want everything in writing and no more calls. I have had…
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Letter left by DMS Fieldcall
Hi I’ve had a letter left by DMS Fieldcall asking to contact an agent as a matter of urgency. It’s not actually addressed to me, just the occupier and there’s no reference as to what it’s regarding. I don’t have any outstanding debts that are in arrears or anything as far as I’m aware - I had a ccj on my car but that will…
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Debt
Hi everyone so not going to make excuses I got into this Mess I am in all by myself and ignoring things. so I am in a lot of debt and just don’t see a way out of paying this back anytime soon. The interest on each card is getting higher and higher and I can’t change over to a interest free card as it seems to be impossible…
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Does DMP affect mortgage
This discussion was created from comments split from: Struggling with debt? Ask a stepchange debt adviser a question.
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British Gas - Money claim letter
Afternoon all. I have been in this forum in the past for my own debt free journey which has gone fantastic! Unfortunately my partner has took accountability for bills & after hours getting cut at work has struggled for money unbeknownst to myself. Unfortunately we have got a letter of “money claim” against us from British…
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Help please
Hello I’d really appreciate some advice please. I’ve managed to accumulate a lot of debt , about 50-60k on credit cards . I was managing to pay and keeping interest down by balance transfers. But the last 2 years things have spiralled as both my children became ill and are now disabled. I had to give up work and we spend a…
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Help with a full and final settlement
Hi all, my previous post has now been closed, but background is that I have several old debts that all defaulted years ago and have now dropped off my credit file. I had been paying for years via Step Change, but was planning to make full and final settlement offers. I wrote to them all first to ask for copies of the…
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Lowell query re CCA
Hi - My sister has sent many CCA letters and some have come back saying no info can be provided so she has stopped paying (took a lot of persuasion to convince her it was ok to do this!). She has a debt with Lowell and shortly after she sent the letter (about 2 months ago) they wrote saying they have asked Creation…
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Urgent Advice for Crisis Funds
I’m very embarrassed posting this but I don’t know what to do, I’m hoping someone may have some advice. I’m in a lot of debt and have a DMP with payplan. This month has been a disaster with lots of unexpected bills so I currently have 49p in my bank until 26th June… and not all bills are covered yet either. I was just in…
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