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Bank account and defaulting
Hi, I have moved my salary to another bank, and I had a £355 loan with the bank I banked with (RBS) I was surprised that rather than say there was no funds available for the loan, they have withdrawn the amount taking my account into an unarranged overdraft. I’m a bit concerned this will result in considerably more…
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Barclaycard, irresponsible lending
Been following for a while and am currently self managing a dmp. I first took a credit card out with barclaycard in 2012 due to being pregnant at the time and needing baby stuff. Since then the credit limit has increased. at various points I'd paid it off and then racked up more over and over again mostly always paying…
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Delinquent and Default - Credit report
Hello I’m in process of reducing my debts myself rather than going through a DMP. i have a number of accounts that are showing as delinquent and a few showing as default. Having don a quick Google search is it right in assuming default is worse that delinquent? Any advice would be really appreciated. If I could please ask…
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ACI chasing 15 year old credit card debt
I just wanted to share this information with other forum members in case they have been contacted by ACI: I have a very old credit card debt that I received a default notice for around 2008-2009. I had occasional letters from the lender in the first few years via about 3 intermediaries including Intrum Justitia, then…
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Likelihood of CC refunds
Hi! Just wondered if anyone had any experience successfully challenging irresponsible lending? Virgin allowed a second CC so debts are 3k on one and 17k on another Barclaycard increased limit and debt is 17k all with other bank loans and smaller CC debts. Mental health was a big factor as well as gambling and I’m just…
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How can I make an income with flexible hours
I'm a mum of 2, one is in school, the other I'm struggling to find and local nurseries with space due to the influx since the free hrs came out. We are struggling massively financially plus have over 4k of debt. We are not eligible for uc or government help. Does anyone know of any flexible jobs which I can log in as and…
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Drowning in debt
Hi, I have got myself into a nightmare of debt and I don't think I can pay my way out of it. The reasons for it are a combination of being self employed until last year, lack of money coming into the business and my own recklessness with probably a bit of depression to add. I ceased trading last year and now am employed,…
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Divorce & Debt
Hello, I’m not sure if this is in the right category but I’m looking for some advice regarding my current situation. The last 3 years have been difficult to say the least. in 2022 I was in a well paid job, married & a homeowner with mortgage. I got depressed & became reckless with my money. My wife left me in January 2023…
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Lowell Help
Hi , I'm new and was wondering if anyone could help me , Lowell just sent me an email and put 6 accounts they want me to pay , Only one of them is sitting on my credit report and I think the others as I'd never made a payment have not appeared on my credit file and are really old some maybe 10 years , The one that is on my…
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Repayment Plan for Overdraft
I have held a Santander account with an arranged overdraft for 25 years. I now live with my daughter on a reduced state pension. Since my husband died the overdraft has crept up to £1300 and now the bank want me to repay it. I have offered them £25.00 a month (the amount I was paying in interest each month). The first…
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Debt collectors help
Hi, I am after any advice on my current mess of a scenario of debt. I'm not really sure what to do. I have currently defaulted on all of my unsecured debt about 63k in total, and have buried my head in the sand with it as its all a little overwhelming. Me and my wife are jointly dealing with this although she is having…
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BW Legal CCJ
I received letters/emails from BW Legal for unpaid thames water bill. I passed it on to person responsible for bill which is in my name at my property. Cut a long story short person refuses to pay so I wrote to BW Legal explaining that as its in my name I will pay and proposed payment plan which i started in Feb 25. They…
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DMP
Hi, on previous posts I've been on breathing space which ended yesterday, but now expect to start being chased for payments for the last two months I've missed, Been told best to not start a DMP until default letters come, but so far have only received arrears notice letters, but trouble is I have a close family member…
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Debt Help
Hi there. I was looking for some advice and hope you can help. We seem to have no spare money left after pay and our bills/expenses are more than our pay. I think we pay around £1000 in credit bills each month. We are up to date with all payments but it seems to be a struggle and we are looking for some help. Sometimes we…
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Full and Final Payment Offer - More information required
I have been in a debt management plan since August 2018. I originally had debts of circa £37k with seven different creditors. As at September 2024 my debts are down to circa £15.5k and just four creditors. Defaults for 3 of the 4 creditors will fall off my credit file between February and April next year. The other default…
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If I Default on Credit Card Will my Overdraft Be Cancelled? - Scotland.
I currently am living off a very small income, after it was slashed due to post pandemic business difficulties. I have been warned this income could be cut completely, in coming months. I have tried to find another job, with over 100 applications, but am finding it increasingly difficult in 2025 to even find things that I…
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Interest on student overdraft
Hi All, I hope everyone is well. My partner has a student account with NatWest containing an overdraft of £1750 which is all used (around 98%). She pays off £60 per month and is hit with the interest fees of £46~ each month, so making slow progress at £14 per month. My questions is whether we can use the history of her…
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In a bit of debt and need some advice on whether a DMP or otherwise is the best way forward......
Good Morning All, Just joined the forum and picked up some great pieces of info and tips so far so thank you all for that. I'm in a difficult position atm financially, have toyed with idea of a DMP or similar for quite a while and have this week used the Stepchange website to look at my budget etc. I'm in £70k+ debt across…
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Next steps once default is registered
Hello kindly debt helpers, I have been waiting for defaults to be registered to 6 credit card accounts. Had taken about 6 months all in all! It looks like about 3 have now been sold onto different debt management companies who are calling me constantly. Wanting some advice about next steps before I contact them… Can I come…
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Problem with Marstons
This discussion was created from comments split from: Marston holdings debt company debt not mine..