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Helping a vulnerable relative - where do I start?
Little Sis has had mental health and physical health issues since August. She has been out of work for over 20 months. Income is carers allowance c£83 a week I think. She was in hospital for one week in October but not sure on rules re carers sickness. Household includes our father so has been running on his savings and…
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Advice on making settlement offers to 3rd parties
Hello! I have 4 individual debts that were sold to 3rd parties by the original lenders several years ago. I have submitted CCAs, and unforunately, they were all able to provide the signed credit agreements (I don't feel too bitter though because I did get lucky with quite a few of my other debts!). None of these debts were…
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Credit Cards and pay off early - advice needed if possible
Hi there, I am looking for some advice and I believe this is the best place to ask. Monthly income of £2715.00 Currently I have two large credit cards. One for £5850.00 & £3089.00 I am paying roughly just over £200 P/M per card. I have been considering my options today. One being taking out a consolidation load for £8000…
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To Whom to Address CCA Request
Hi All, I've just found out about a debt (small amount) of my partner's (over 20 years old) and has been passed from one company to another. I thought that he'd been paying £1/£2 nominal amounts on all and we have addressed the others (paid of or stopped paying when no CCA could be produced). This seems to originate from…
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Thoughts on Nationwide / Virgin money merger
Hi, I am currently managing my debt via a DMP. One of the debts is to a virgin money credit card. My salary is paid in to a nationwide current account. My wife and I also have a joint account with nationwide that we use for our day to day spending. Now I know that nationwide said they wouldn't enforce their right of set…
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ACI (and other collection agencies)
Hello all, long story short, I have approx 20k of debt spread across 5-6 credit cards that all defaulted sometime in 2021. The debt was accrued during my previous marriage. I worked full-time, my ex didn’t; choosing to do various different further learning courses and be a full-time parent, rather than work. We, therefore,…
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DMP Help - Credit Union
Hi, I’ve been a follower of the forum for a while after spending many years in a cycle of debt which got worse when my partner lost his job. I’m now in a self managed dmp and all seems to be going well. However, I have 1 loan with My Community Bank that’s in arrears and is very close to defaulting. From reading various…
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Dmp advice
Hi im new here and dont no how to do a post to get dmp advice
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Help DMP not DRO or IVA-should this be in benefits?
63 year old lady Please don’t judge me being on benefits since my health massively deteriorated over past 5 yrs plus and work issues etc Debt credit cards £9k Car asset paid for - Parkers estimate private £4740 - £5920 (needed as long term Ill health and severe mental health,live out in country very little transport, many…
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Nearing the end of my DMP – advice on full and final settlement offers
Hello, I would appreciate advice from anyone who has been in a similar position or has successfully negotiated full and final settlements. I have been on a debt management plan since May 2022 approx arranged through PayPlan & now have approximately 6 months left on the plan My current position is: - Total original debt:…
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Thinking of a DMP
Hiya, I have come across this forum and it is so helpful and reassuring. I have around £70k of credit card and personal loan debt (my husband lost his job 4 years ago). Mentally and due to some physical issues he has only been able to return to work part time and earns a third of what he did previously. Add to that the…
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Affordability Complaint Letter/Email advice
hello is the below email ok to send to updraft regarding an affordability complaint? Dear Updraft Complaints Team, I am writing to make a formal complaint regarding the affordability of five loans that Updraft provided to me. I believe the lending decisions did not adequately take into account my actual financial…
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Token Payments Ending - Worried about what happens next
Last year I went to StepChange and they set up a token payment plan of £1 per debt on my plan, and that has gone well despite still receiving letters almost every day from numerous debt collection places (Lowell etc) but this plan is coming to an end in October, apparently that's the maximum length of time it can run for.…
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Pensioner neighbour sent letter from Direct Collection bailiffs - looking for advice
Hi I was hoping I could get some advice on an issue for my neighbour. She is 90 years old and received a very scary letter today from Direct Collection Bailiffs Ltd saying she’s owes over £3k! I’m fuming to say the least with how scary they made the letter. They says the money was due to a firm called “Avanti Comms Ltd”.…
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Self managed DMP? Need advice
Hi I'm feeling very stressed at the moment. I have 25k unsecured debt and at the moment I'm just about managing to pay them with nothing left at end of month. In June next year my widowed parent allowance stops so I lose 720 income so then I will not be able to manage. I have one or two missed payments and an arrangement…
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Things Got Worse - Struggling with priority debts and scared to lose my house
Hi everyone, I posted here before about my credit card debts and got a lot of help. My situation has changed so much that I thought it would be better to start a new thread as the old thread was getting too long.. The strange thing is that the old credit card debts are now the least of my worries. Following the advice I…
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New unknown debt- not sure.
18 months ago I started an IVA, and assumed all my debts were on it. Nothing on credit record left out so as far as I'm aware the iva covers everything. Then had an text at the start of last week out of the blue from a company called Opos. Told me I had a debt and to call a number. Assumed it was a scam and moved on. Then…
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Advice for SOA
How do I get an accurate SOA? This is the recent result and it is sooooo far off correct. On a good month I get to around 10 days from payday before I'm using the credit card for basics. With the buildings insurance (arrives Dec) and water rates (Mar and Sept), I pay on receipt. Currently by using C/C, which I want to…
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Debt Recovery letter - DCBL / POP Telecom
Hello, I previously had my broadband through Pop Telcom (avoid them at all costs, FYI). I gave the required notice, ended my contract, and even paid £79 for a unreturned equipment fee. The last correspondence from them I had was from July and was an invoice for the unreturned equipment fee, which was taken out by direct…
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Stepchange help
Hi everyone, I have a couple of questions before finalising my dmp with Stepchange. I have now had 2 of 6 accounts default. Do I still continue to not pay until they all have? Also I have a joint account with my ex that joint bills come out of. Do I need to get rid of this? Existing mortgage comes out of this account and…
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