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Tired of just getting by
Hi everyone, I have been steadily racking up more and more debt since leaving university. I am from a low income background and at the end of my degree I didn't have the option of returning home as many of my cohort did. I was thrust straight into private renting with no understanding of council tax, income tax or anything…
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unknown debt request from arrow
hello we received a letter dated 11/10/2024 from a company called arrow, no idea who they are... the also had another letter inside from a company called opos.. both letters was claiming that they took over a debt on 1/06/2023 and say we owe a debt of £250 from Shop Direct (Carval).. that of we have no idea who they are…
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PRA Barclaycard
Hi all, I have a Barclaycard debt which was sold to PRA after default (default date around April 2024). I have requested CCA from PRA multiple times and haven't received. They have emailed the generic stuff a few times about make payment, offer on account etc. They have now emailed saying action must be taken, and on this…
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Statute barred debt for a deceased relative.
Sad News. My family member passed away last Monday. When I visited him a couple of weeks ago, I found a debt to MBNA for around £16k for an account opened in 1997. He had very bad dementia and he has debts to water, electric, council tax and this credit card. As a single occupant vulnerable person, he should not have been…
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Urgent Debt Advice
Hi all, new here so thanks for accepting. I am looking for advice please. I have around 35k debt and looking for best advice to clear. I am working full time and have no assets (no car I own or house. I live with partner and have a baby. The house is a mortgage in my partners name only and I just contribute towards bills…
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Lowell letter advice
hi all I am on a self run dmp plan. Lowell just sent me a letter saying may send someone to the house. Do they actually do this?
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Lowell threatening with 4 months until statute barred
I defaulted on a credit card in July 2020. Lowell have bought the debt and have been ringing, texting and sending letters. Today I got a letter saying if I don’t get in touch by 1st April they will send a field agent to my address. How likely is it that they’ll do this with 4 months until it’s statue barred please? What is…
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CCJ for ex-landlord's council tax. Help filling out an N244
Hey hey, Got an email from a debt collection agency that had a CCJ attached to it with an old and wrong address. This is for an alleged council tax debt of 1,200, relating to student accommodation I rented in 2022, long story incoming: I've lived in this room in a 4-bed flat in Wales as a student and was exempt from…
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Vanquis default - had no idea until I saw it on ClearScore
I need some advice I’ve been making temporary arrangements with a few of my cards whilst unwell multiple chronic illnesses I missed two on Vanquis and was £30 in arrears . I’ve been in touch and now back up to date . This morning I’ve noticed a default on my ClearScore saying added January is there anything I can do as I…
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Confused
so I'm wanting to pay off some debt with a Jaja balance transfer card I've been offered a 0% intrest 0.99% fee for 24 months I need to pay Currys creation and very which are both coming to an end I will pay these on my virgin % on purchase for 12 month the do a balance transfer to the Jaja will I be charged intrest on the…
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Elderly person's debt
Elderly person has a account with overdraft, which is constantly in a massive overdraft paying around £400 interest per month. There is another account where pensions and benefits go in, which is also using overdraft. Power of attorney is in place, and there were attempts to sort it out, interest frozen for awhile with…
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In debt trouble and would appreciate any help
Statement of Affairs and Personal Balance Sheet Household Information Number of adults in household........... 1 Number of children in household......... Number of cars owned.................... [b] Monthly Income Details[/b] Monthly income after tax................ 2160 Partners monthly income after tax....... 0…
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DMP advise
Hi I have recently come out of a 10 year relationship and managed to get my debts down quite significantly but I am struggling as a single mother of two to do the final 15 grand totalling interest etc I am thinking a DMP is best route. I have 1 x large loan £13,500 2 x payday loans £1000 3 x credit cards £1550 I havent…
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Whatsthecost
I have used whatsthecost.com" for snowballing credit card debts, however I am getting a "service unavailable HTTP 305 this service is unavailable" Looking for an alternative which is as easy to use. Looked at lemonfool but I can't seem to figure it out. 😕
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Email stating Court action imminent
Hi, I stopped paying my debts late last year. All my accounts have defaulted and I have been paying £20 per month on the same date to credit cards and £35 per month to loans to clear £38k debt. (including these two companies mentioned) I have never contact my creditors other than by email to say what I would be paying and…
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17 year old CCJ
So years ago we got into a lot of debt and in 2009 Northern Rock PLC got a CCJ against us. In 2015 we entered into an IVA but the next year it failed (they were taking all the money for themselves and only paying each creditor a few pounds each) so slowly each debtor came back to us and they were much more amicable and…
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Move PCP to 0% Credit Card?
I have overpaid my PCP as much as I can with the pop company. £75 a month interest is the minimum I can leave it at with a £9750 balloon due Sept 2029, 9.9% APR. Settlement figure £9850. I have Lloyds Card £15k limit with an offer of 5.9% No Fee Money Transfer. I am tempted to move 10k to my bank account, pay off PCP and…
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Self managed DMP advice
Hello, Wish I had found this site before but we learn! I’ve been in a DMP since December after panicking and going with a managed company who charge £50 a month. I’m now feeling much clearer after having time to really review my options and would like to go self managed however the company are warning that the chances of a…
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Cabot review
Cabot have contacted me after 12 months of pro rata payments. They are asking for a review. Albeit my occupational pension did get a slight increase, the cost of living increases soon negated it. Not to mention my social landlord installed an air source heat pump and removed my oil-fired boiler. That has seen a big…
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Token payments or stop payments completely??
After reading advice here, I have stopped all direct debits to my creditors, to allow my debts to default, before entering a dmp. Should I stop paying completely, or make token payments? Thank you
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