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Council Tax + Bailiffs. How to deal with this?
Apologies If this ends up being long but there is considerable context and history here. Background 2017 - I fell ill (cancer) and we had a new baby on the way. Pretty much ended in financial disaster. For several years we just tried to get by but ended up in this weird debt cycling with the council. The process is this.…
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Argos card
I had an Argos card as I needed some white goods. I put them on bnpl. Now the Argos card had changed to Argos pay I have lost the ability to pay off my bnpl deals before they run out. It means very shortly I’m going to be slammed with interest. does anyone know if a credit card will balance transfer from Argos pay?
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Complex issue with bank- not sure what to do
I’m reaching out to share a really difficult situation I’ve been going through with NatWest, in the hope that someone might have some advice. My story starts in 2023. At the time, I was in a very vulnerable place—recovering from a serious accident and struggling with my mental health. My finances were a mess, and I was…
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47k unsecured debt, no income living on redundancy payment.
Hi, I have 47k of Credit card debt, that is currently about to come off its 0% deals. I was made redundant about a year ago and have been living off my the lump sum payment since then. Its down to 12k left, this is my only money, I can't get UC, I can't get a job. I am getting my DB pension next year of 20k per year + 130k…
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BW Legal - Reoccurring Calls but no Letter
I have had several calls from “BW Legal” over the last month or so. The automated call always leaves the same voicemail: ”Hello, this is a voice announce message from BW Legal. Please listen to the full message. BW Legal have recently written to you on behalf of our client. I want to remind you to get in touch with us…
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FOS Upheld Complaint now Zopa are removing my Default
Hi All, The FOS upheld my affordability complaint against Zopa and they've now written to say: "Zopa will no longer report the loan agreement to the Credit Reference Agencies, and we will remove the loan from your credit file, including any previous negative impact, including the default registered on 2 January 2026." Does…
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6 Year old default debt - written off?
I have a few defaults from 2022, which have been passed to a debt collector and I have been making token payments for years now. I am aware that after 6 yrs the defaults drops from my credit file. However, I have acknowledged the debt exists and have been paying to it so the "statue barred" of 6 years does not apply. So I…
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Letter from Cherry Godfrey
Morning all, like many I am 6 months into waiting for defaults with the plan to start a DMP. None have defaulted yet although I have had a couple of notices. One of my loans is with Cherry Godfrey and as they are a mainly off shore outfit, they seem to operate a bit differently. They have gone down the route of trying to…
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Defaults dropping off and statue barred
Hello, It’s been a long time since I’ve been on the forum. Back in 2020 I defaulted on all my debts and started a self managed DMP. Fast forward nearly 6 years (where has the time gone?!!) and my defaults are starting to drop off my credit report. Over the past 6 years I have been making small token payments to all my…
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affordability complaint questions
I have just stopped paying this month. Do I need to wait for the accounts to default or should I get on with it before that? Thx
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PastDue Credit Solutions - chasing for HMRC payment
Received a letter (8 days after it was supposedly "sent") from Pastdue saying I owed their client, HMRC, £4,3xx.24. I have not received any communication direct from HMRC for this amount. I paid HMRC £5,1xx.84 in March and £100 in April. Should I not have received another communication from HMRC rather than this letter…
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I have just got back a CCA. payment history
They have said 'any temporary unenforceability no longer applies.' They have sent the payment history which starts from July 2017- June 2026. But July 2017 payment says GAP PAYMENT and they have stamped the CCA with 'received for and on behalf of the issuer 20/09/2011' So it looks like there is almost a six year period…
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Potential Scam - Any History? Apex Management Solutions
This may be a legitimate company but I would like to know if it is a possible scam. I recently received an email from this company stating that they are debt collecitng on behalf of someone else. I have no idea what this is and am concerned at the legitimacy. They state they have sent previous correspondence which I…
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Requesting debt write-offs on medical grounds?
Good evening, Both Citizens Advice and some on this forum have suggested I may be eligible for debt write-offs due to my health circumstances. I have a combination of physical mobility issues and mental health problems. I was made redundant in late 2024 and have been unable to work since because of my health. I currently…
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Stepchange
Hi all, finally facing the music of £38k debt, having min payments of £950 a month before all house bills and only having £30 left over a month. The cycle of using my credit cards, then them going over limit is crippling me. Can’t get any 0% interest cards. I’ve filled out Stepchanges form yesterday online, what’s the next…
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Spiralling debt help
hi. I’m in around 40k of debt with 2 loans (16k total) and the rest on cards. Combination of made redundant a while back. Never missed payments. Have a mortgage and second charge. Mortgages total approx £560k and house is worth between 660-700k. Earn a salary of 65k and have children. I can’t carry on and am scared I won’t…
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Debt Help
Me and my wife (both in our mid 30’s) have around £36,000 of debt, accumulated over the past few years due to unforeseen circumstances. We have entered into a DMP and have been paying consistently for a year now. I am concerned about my employment due to the nature of the regulated business and need to disclose this but am…
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Santander Loan and Overdraft
Hi, just looking for advise. All of my debts have now defaulted and I have set up payments plans on standing orders. The only one that hasn't is a Santander loan and credit card, they have passed the debt to Moorcroft who have contacted me and I have ignored to it gets defaulted. They have now turned up at my door this…
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Cabot still bothering me
Letters, texts and phone calls and threaten of agent calling constantly on accounts they cannot provide CCAs for . I have written to them via post as well as emailed very clearly and to the point that they should only contact me via hard copy letter through post , and to remove my phone number , stating until CCAs provided…
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DMP vs non DMP advice??
Hi everyone, I'm looking for some advice and people's thoughts on my current DMP with Payplan and if there may be more appropriate options based on my current plan and the context of my progress (explained below). I will try and explain the situation best I can (but can add any other helpful information in replies should…
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