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Help with my debts please
This discussion was created from comments split from: Struggling with debt? Ask a stepchange debt adviser a question.
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DMP (Stepchange) and redundancy
Hi All, Slightly speculative and hopefully not needed. My employer has issued noticed that redundancies are coming. I should know before the end of this week if I am at risk. In the meantime the waiting is difficult and I have many questions about what will happen as I am the main earner. Currently have a DMP with…
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Managing Credit Card debt whilst on Universal Credit
Asking for a friend with this one.. She has 2 x credit cards with high interest - 33% and 26% retrospectively. Amounts are around £2K total. Ordinarily, she would use a 0% card, but due to now being on a low income and claiming UC as her main income, she is not entitled to set up a new card/transfer balance. What advice…
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Help…..lots of debt
Hi all, I’ve eventually be approved and needing help. So one story short, my husband left me just over 2years ago. 3 children and a mortgage. Hasn’t contributed a penny not even for the children. I’ve literally had to live off credit cards and a loan. I’m now in 50k worth of debt. I can not afford the repayments on these…
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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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Cap Quest
Hi, my girlfriend has received 3 text messages from cap quest requesting her to call to discuss her account. We don’t know what this is about and have not called them back. She only took out a car loan and we think it is possible it triggered her name on an old debt database. She has not had any finance in the last 7-8…
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Resolve call & ACI help
A couple of weeks back we got a knock on the door from resolve call (I've not received a letter from them so not sure what company it was for). I have recently had a letter from ACI informing me that I've a debt for 800 and that someone from perch verify will be knocking on the door. Now I've not had anyone knock on my…
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Starting a DMP WITH SC, advice
Hi everyone hope everyone is doing well. I have come into some bother this past year, I broke my hip and my mental health suffered as I am quite young, I also had a gambling relapse which added to my debt but luckily I asked for help and blocked myself from everything before it got way out of control. I also got scammed…
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Renting with defaults on credit file
Wondering if any of you have experienced going through an estate agent for a rental and passing the referencing process with defaults on your credit file?
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Crippling credit card debt, but …. lump sum incoming
Hi all, this is my first post. I have credit card debt which I am struggling to pay. Within the next month or so, I am going to be maxed out (across 5 cards) with no cash left from income to pay. I also have unsecured loans - my total unsecured debt is c£38k. I have read everything on here re to simply stop paying, ignore…
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Debt collector contact GDPE
Hello all I’ve been reading loads of posts on here and have all been really helpful so first thing today is a huge thank you to all the contributors. I have a lot of personal debt, and following advice on here I will start a DMP once I’ve got defaults from creditors, I’m feeling ok about all that and in control. Specific…
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Link Financial - Can anyone help?
Hi all, we have been contacted by Link Financial regarding an old Lloyds TSB debt. We don't believe that it is accurate and have no knowledge of it outstanding. We have sent two prove it letters, the first we received no response, the second we received one dated 7th March was an acknowledgement from their complaints…
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Some advice would be much appreciated - DMP or not? Self-managed or not. Significant debt
Hello, It's taken me a lot of guts to write here. I have been wanting to for so long and just feel like I couldn't, therefore, this is a big step for me. I am currently in significant debt due to gambling of around £70k across loans, credit cards and PayPal negative balance across 11 creditors. Loans are with Zopa,…
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Repayments are greater than income - DMP?
Hi everyone, This forum is fantastic, I have had a read through several threads as I'm trying to decide what's best to do in my situation and it's given me lots to think about. I have £38,000 debt in total which is 6 credit cards and 6 unsecured loans. I've not missed any payments on any of these accounts and have no…
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Cabot - what to do next
Hello - have been following your Forum for a while and using your helpful advice to manage my debts. I wrote to some of the debt agencies who have bought my debts to ask for the CCA, as you advise on here. With one of my debts, I believe the correct information has been sent re: CCA request and I have had at least two…
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DMP / Bankruptcy / Self Plan - SOA included
Hi, I need advice on whats best for me pls if someone can help: [font=courier new][b]Statement of Affairs and Personal Balance Sheet[/b][b] Household Information[/b]Number of adults in household........... 2Number of children in household......... 0Number of cars owned.................... 0[b] Monthly Income…
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Link Financial GDPR breach
Good evening I have received the below email off Link Financial earlier today (edited to remove any personal identifying data) “ We have attempted to make contact with you today in relation to your account held with Link Financial. Unfortunately, we have been unable to make positive contact. We have been attempting to…
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Resolvecall visit.
So I received a letter today from Capquest saying they have appointed a company called Resolvecall to visit my property to try and enforce an old credit card debt. I asked Capquest back in November last year for a CCA for this 25 year old £8,000 Barclay's credit card debt, I had been making token payments up until then.…
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Notice of Termination
Received a letter through the post which does not look like the usual letter coming from either HSBC or Amex. It does not even have a return address or it doesn't say which company it is from. It sounds more intimidating that the usual ones where they say "may" a lot. This one says: This Notice of Termination is served on…
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Latest affordability complaint…FOS want info from 2013…
Hi, as some know, I had a positive outcome yesterday on my Zopa complaint. my second is against Virgin CC for giving me 4 CC’s totalling £46k between 2013 & 2024. Now I know the one in 2013 is ok…no balance (tbh, I didn’t know I had that one). However the investigator has emailed tonight looking for the following: * A copy…
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