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Link financial help
Hi I have received a letter from link saying they haven't recieved my payment of £4.99 on my fraser group account due on 28/11/2025. I haven't got an account with these people and I haven't been paying anyone 4.99. I did wonder if it was anything to do with an old account with studio I stopped paying 2 and a half years ago…
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Self management/ stepchange
Hi all, I'm just looking for a bit of advice. I was recently made redundant from my workplace and have been given 11k payout. I have £15k of debt and I'm hoping to make partial payments to each of my 5 creditors. I've asked stepchange for all my info that they hold on me and my debts. All debts are credit cards or loans so…
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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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Missing payments between step change and British Gas
Hi everyone, I am not sure if I am posting in the right place here but I am just looking to see if anyone has experienced anything similar to this. i recently entered a debt management plan and one of my creditors were British Gas. The plan had been open since the beginning of 2025. I was checking my credit report back in…
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Link financial/moneybarn
Hello i had a car finance with moneybarn back In 2019 ad car was repossessed fast forward to the last few weeks and i have suddenly got some communication from link financial, the first One was saying that i had missed a repayment of £250 and they would register a default..funny thing is i have never spoken to link…
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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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Finio/Oakbrook standing order details
Hi, Does anyone know of the naming details for Finio/Oakbrook or know where this information might be available? Google isn't helping me and they seem unwilling at present to give them out without going through their payment plan tools on their website. Thanks
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New here and considering DMP without my husband knowing
I’ve been lurking and reading for a while now and it’s been hugely reassuring to read everyone’s journeys and advice. Stepchange have recommended a DMP for me, I am however hoping to keep this from my husband, not only because he doesn’t know the mess I’ve got into, but because he’s really not in a good place with his…
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When Should I Start Paying?
I've been reading this forum for months as I start my own self managed DMPs to handle my credit card and loan debts. The key seems to be to wait until a debt defaults and then set up a payment plan asap to avoid any chance of CCJs. Vanquis defaulted on my credit file last month and I received a letter from Lowels saying…
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Admiral Loans…defaulted, now they have written today saying going to Default me (again).
Hi, I last made a payment to Admiral in November 2024. The Default letter and note of default on my credit file happened in April 2025. i have received a letter today stating an arrears amount of 12 months missed payments and that if I don’t pay, they will default me… Should I sit tight or write to correct them that I…
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PRA Group threatening me with Solicitors (Scotland) - Now with added Sheriff's Citation(s)
I have two defaulted Barclaycards which have been with PRA Group since early this year. Earlier this year I was advised by @sourcrates and others on a course of action. I sent a letter stating that unless they could provide proof of a CCA I would not enter into any further correspondence. I stated that I was aware that…
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Non-priority debts and deprivation of capital
Just been reading this housing allocations policy, and this doesn't seem right to me: "As part of the application process bank account and savings details must be provided and, if it is found that an applicant has recently held £16,000 or more in their account and has spent or transferred large amounts on non-priority…
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Collections letter
4 months into self managed DMP and blanking all communications. Just had a letter delivered to my mother's address which I haven't lived at for 10 years! BPO collections on behalf of la redoute. This has made me so angry. Checked my la redoute account and my address is upto date and I have had no letters from them to my…
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Old debt of my daughters
Looking for some advice please for an old debt of my daughters. She took out a loan in 2011. She was making payments until she lost her job. The loan defaulted and was eventually sold to Link Financial in 2016. She didn’t hear anything from them until 2019 when they asked her to contact them with regards to some kind of…
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Reducing Interest
Im finding it hard to meet my multiple payments, this is due to mismanagment i admit, im told that credit card companies are obliged to offer support by reducing interest, a payment holiday, or some other method, what is the best way forward, i have multiple cards in total around 22k, thank you for any advice.
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do I pay off one debt first or do I try pay them off altogether
I have two out standing debts - EE which is £837 - ACI - £2600 I am currently paying £150 towards each of them. I have worked out my finances for next year and could possibly pay £200 towards each of them till paid off. my partner suggested i focus on getting one paid of first instead of attempting both, but I would really…
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I and E form from Castle Community Finance
I'm just starting out on a self managed DMP I called CCF as this is a credit union and you knowledgeable folk advised me to keep them happy. The telephone call to them went really well the guy was very understanding and helpful and told me to fill in and Income and Expenditure form which I have but they've come back asking…
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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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Water Debt - Please help! - OAP Inherited Debt
I know this should be in the energy forum but I'm here for the traffic and hopefully some advice. My mum sadly passed away end of November very unexpectedly. My sister and I have been going through all of her paperwork. She was the only name on all the utility bills everything has been fine switching over to dad's name,…
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LC Asset 2 S.A.R.L money claim on unenforceable debt
Good afternoon, Trust everyone is well :-) Question pls- I have received the attached Claim Form regarding a very old Barclays debt and wanted to double check what my response should be before I say the wrong thing. In July 2022 I asked Link Financial to supply the original credit agreement and they confirmed that they…
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