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Virgin CC Debt and Default
Hi, just after a bit of advice regarding Virgin credit card. I stopped paying around 9 months ago and they went through all the standard missed payment letters etc. I then got contacted by Capquest who asked me to set up an account. I checked my credit file but Virgin seems to have totally disappeared. Its not there under…
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Lowell cannot produce CCA
Hi all, I recently asked Lowell to provide a CCA for a debt owed to Sky TV. This is the response I received. I understand that you are requesting documents regarding to this account. Due to the age of the account, we are unable to request these documents from the original creditor. If you want a copy of all the information…
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Debt before maternity
Hello! New member here but have been reading other threads for awhile. Just wanting to post a SOA - we are expecting our first baby december 2023 and want to clear the debts we can before that, plus I'm saving for maternity savings as well. I have filled in our SOA as much as I can. I'm doing roughly 20 hours of overtime…
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Do you use your credit card(s) for everyday purchases?
I'm planning to stop using credit cards for everyday purchases* and I am just curious what approach others take regarding usage, so I thought I'd create a poll :) *By everyday purchases I mean groceries, eating out, buying clothes, entertainment, etc. Not including larger purchases such as holidays or furniture or larger…
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Community Interest Company
Hi, My wife and I have been in contact with Pay Plan and it looks like we are either going onto a debt management plan or IVA. My question is, a group of us are looking to set up a community interest company for some volunteering we do, would a DMP or IVA prevent me from being a Director of the company? Would it fall under…
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Link Financial
Is anybody else here dealing with Link Financial and having problems accessing their customer portal? I've been trying to get in for the last 24 hours and just keep getting a "Bad gateway" message after entering login details. Even tried resetting my password and it took 4 hours just to get the email with the password rest…
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Lantern/Quickquid advice
Hi all, I received a settlement claim amount last year from Euronet/QuickQuid - all fine, done. The account is no longer on my credit file (was a 2013 debt), and I thought was all sorted. I’ve just received an email from Lantern requesting the balance of the debt - and “if you don’t contact us within 7 days from the date…
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Factoring Fees
Living in Scotland and Bankrupt. I have a property which is not my dwelling place and vests with my trustee until such time the mortgage lender repossesses it. Council Tax after the date of bankruptcy is exempt as it becomes the liability of the trustee and the trustee is exempt indefinitely. My question is:- Is this the…
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Dealing with £39K debt
Hello all, I built up debt over probably the last 2 decades, sometimes paying off, but then getting more credit. As the years went on and my wages increased I ended up taking out larger amounts of credit feeling I could handle it as I was always making the payments each month although increasingly this became the minimum…
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Internet and mobile while on dmp
Hi everyone I'm currently awaiting defaults before starting a dmp. My current ridiculously expensive phone contract isn't up till Feb... My stupidly high cost broadband isn't up till next June. How do people on DMPs who have waited for defaults get a new sim only contract and / or broadband? I am assuming both always…
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DMP
Hi, new here but finally had enough and need to sort myself out. Have roughly £20k of credit cards and Next debt. The interest is so high it’s never ending and this month I just cannot afford to pay everything plus our mortgage is going up by £165 per month from November. Need to speak to step change but nervous about…
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Just informed about a CCJ from 2013
Hi, I took out a phone contract around 2007 with Orange who about 5 years were owned by T-mobile. I have zero paperwork and little memory of what happened later, when I defaulted. The phone turned out to not do as designed, asked for different replacement or I would refuse payments....all this within 14 days, if there was…
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Pastdue credit solutions have sent me a
Hello, I had separated from my wife in October 2021 and had moved in with my father who I share the same name with. I was paying him rent etc. From August 2022 I had moved out and haven't lived with him for over a year now but today I received a debt collection agency letter from "PastDue" requesting £810.17 from Shell…
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DRO with one creditor, or offer F&F settlement?
I have just one debt, about £6.5k on a credit card. I am a SAHM/carer for my autistic 11 year old, my husband works part time. Our household income is low, and predominantly carers allowance, DLA, and tax creds, so we don't have much surplus income. My payments have been in default since March 2020, after 5 missed payments…
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Ccj claim
Hello so as the title says my wife who hadn’t told me has received this letter we have talked it over on hiding this debt and how in future we should be open if we ever fall behind on something as it’s much more easy to sort out if we know what the problem is. anyway I’m trying to sort this as it’s a debt she owes and it…
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CCJ for more than what is owed
Good morning, I've just discovered I've had a CCJ taken out against me for a credit card I defaulted on in 2021. The amount owed was £1208 but the CCJ is for £1864. I wasn't aware of the CCJ due to them having an old address on record. I was aware I owed the money and it's my own fault for not paying it but wondered if I…
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Advise following CCA request
Long story but have now received my CCA (They sent me a CCA that was not mine so waiting on complaint I submitted), early this year they had sent me the CCJ letter before action. I have several others CCA request outstanding so is it best to sit and wait to see wha thappens now with this firm, or do I offer a token…
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Facing up to my debt. What’s my best way forward?
I’m so ashamed of my debt and have been burying my head in the sand but need to face reality. I have about £30k of debt. I earn £47k per year ( single parent working full time with a small amount of Universal Credit.) Debt is made up of credit cards, loan, store card and overdraft. My monthly income is around £3000…
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Statue barred help/advice
Morning all Need some advice , I had a debt with MYJAR £800 from 2013 , I have been hassled by a company in the first instance called ACI , I wrote to them in October 2022 using the template stating the debt was statue barred , They never acknowledged the letter , They carried on sending emails trying to claim the debt ,…
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Debt and Mortgage advice
Hello All, I'm looking for some advice on how to handle my current situation and am particularly interested in how mortgage lenders look at debt / loans. I'm 27 and not in a good place financially. I've struggled with a gambling addiction for the last 3 years and as it stands sit £27k in debt. This is between 2 loans with…
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