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In over my head
Hi all, I have been over my head for a while and have been burying my head further and further into the sand. The reason for my debts are years of consolidation, on top of a house move where we had to pay for 2 homes for 3 months (long story) and then essentially getting carried away and living a lifestyle we cannot…
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No cca hope?
Hi all, I accidentally.put this in the diary thread, which I can edit but not delete so applg8es if duplicated. I have recently submitted 4 x cca requests to link. Do you think this reply for all 4 means they might not find them? Or is it a standard link response that they send as don't get them in the requested working…
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CCA help please
Hi there, My husband and I are on a dmp with stepchange which was at 42k and is now at 24k. I'm wanting to write off for cca requests, 5 in my name and 4 on his but have some questions please. I have one at approx £6k with hsbc repayment services from 2018 - do I write to hsbc directly or hsbc repayment services? Is.it too…
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Breathing Space
Please can someone explain in simple terms how breathing space works on a credit card? Thank you
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The Lowell Chase
Hi all, just after some advice about Lowell. They are sending the obligatory 60% discount offers etc and chasing up with phone calls and all that jazz. But on my credit file the accounts they are chasing me for say closed accounts £0. But on the letters they are sending me I owe £2900. Are they chasing me in hope more than…
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Advise sought please
This discussion was created from comments split from: Struggling with debt? Ask a stepchange debt adviser a question.
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Debt randomly written off?
Hi all, last week I received this letter from Very catalogue. My account defaulted in December I believe and sold on. I have not paid anything to DC as no CCA provided. They have written to say they have written off the debt and marked my credit file partially settled. This seems strange as to why they would do and I'm…
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ID Theft and British Gas Harrassment
Husband has been receiving letters from a Debt Recovery Firm in Leeds to say that he owes thousands of pounds for gas and electricity used between July 2024 and January 2025 in a property that he actually SOLD in 2016. We cannot get through to these people that he does not own the property. We have sent them an Office Copy…
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Mental health crisis breathing space
Hi there I've got debts of around 6k I got into debt around early 2000s whilst living in London when I had first serious mental health breakdown. In 2022 and 2023 I relapsed and ending up in hospital a few times and had to give up my job and ended up moving into supported accomodation. I'm a single man aged 50 and I want…
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Old 118 Card - defaulted in 2024 but not paid since 2020
Hi all, I had an old 118 Card (yes I know) back in the days when I was very debt spendy. I have been looking at my credit files lately so am uncovering this old horror. Bit of a weird one when I check the data on my file. Opened: Jan 19 - payments listed from April 19 to Mar 2020. Then 4 missed payments, then lots of no…
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Query about debt and PRA
Hi, I am hoping someone can offer some advice. I have 2 debts from credit cards one with Lowell and one with PRA, Lowell have offered a reduction of 70%. However PRA are not budging so would like some advice on how to approach this. I am a full time unpaid carer, I tried going back to work but it didn't work. School kept…
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Money Moral Dilemma: Should I stop lending money to my daughter?
This week's MoneySaver who wants advice asks... Of my four adult kids, three handle money well. But the youngest's money disappears at a startling rate. In the past she's borrowed from her siblings, but they got fed up and now it's me who lends her money. We agreed she'll pay me back when she's earning enough to do so.…
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Post default pestering to reinstate DD
Hi to all, I had two accounts with Lendable. Both have defaulted (Confirmed on Credit Karma). They (Lendable) are still sending me reminders, advising me that my DD is inactive and my scheduled payment is due in 5 days. They then advise that I should 'reinstate' my direct debit. I'm not sure if this is some 'crossed wires'…
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Ccj claim fir statute barred debt
I got a claim form for a debt thats statue barred. I didn't think they can do that.. what do I write on the court form.. It's 8 years now
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EBay DRS debt collectors. Please help
Last year I sold an expensive ring on eBay for £300. Long story short it was bought by a dealer that informed me within an hour of receiving it that it would cost £80 to resurface the white gold. Insinuating I should pay for it. I explained that there were many pictures and I was clear I had worn it for 14 years. They the.…
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Problem setting up a standing order
Now that I have some defaults, I thought that I may as well
start making some payments to my self-managed DMP. I spoke with Barclaycard, and they said that they would be
keeping my account ‘in house’ for the time being. I told them I would commence making payments. They ‘insisted’ on a budget form being completed – which I…
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Help needed with the maths- lendable loan near defaulting
I feel I may have to contact my creditor to explain this to me as I’m confused so thought I’d ask here first incase one of you may understand it. I dont want to make contact with them if can help it as I’m one month away from getting my default notice. But I can’t work the maths out. :/ I have 2 lendable loans. Both I have…
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Lowell - chasing debts that I don’t recognise
Hi all, I could do with some advice. Lowell are emailing, writing and calling about 2 debts that they say that I owe. I have no recollection of these debts and have asked them, formally, to prove that the debts belong to me. They say that the debts were assigned to them by Hoist. Again I have re-iterated that I have no…
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Financial ombudsman
I’ve been receiving chasing letters from Lowell with regards to 2 debts that I do not recognise. I have asked Lowell to prove it which they can’t. I have also complained and not received a final outcome after 8 weeks. I have reported them to the financial ombudsman who now say that I must complain to the original debtors…
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Another IVA thread - Advice wanted please
Good afternoon - First time poster, but certainly wont be the last! Currently in the awful situation of looking down the IVA pathway, as many others have been. I've personally accumulated more debt than id imagine possible, and an IVA seems the best route after speaking to 3x companies - Advice Debt, National Debt Relief &…
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