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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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Outstanding Debt
Hello, I need some help. My daughter went to a private school, and I could not pay the fees for the last two years. I was going to take her out and place her at another school. her dad then proceeded to meet with the school and said he would pay and not pay me any maintenance in doing so. Two years on I have now received a…
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Car finance mess
Hi I’ve joined this forum purely with wanting some advice and guidance on what to do regarding my car finance. So in August 2020 I took out Conditional Sale (CS) finance totalling £14,357 on a 60 month term. Payments £243.34 a month. Things all going well never missed a payment until a couple of years down the line.…
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Self managed Debt Management Plan
The story so far. So I found out that a Self managed Debt Management Plan was an option in dealing with my outstanding debts so I advised the debt management company I used that I would be cancelling their services in writing. I did so and their response was quite rude to be fair and I never really expected the level of…
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Debt collection Letter from German debt collections C-date & CMS debt collection
Hi all, I’ll try and make this as short as possible. Basically a few months ago, I signed up to a free trial on a website called c-date. It wasnt long before I realised the whole website was a scam (full of bots, and reading trustpilot reviews confirmed this) I tried to locate how I cancelled my subscription, however it…
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CCA requests....... finally
Hello everyone, been a long time follower of the forum but this is my first post. Been reading for years the advice about CCA requests so after many years I've finally got round to doing it. I got seriously into debt about 20 years ago but it all came to a head in 2010 when I had a serious RTA and could no longer work so I…
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Which of these debts should I pay off with a lump sum?
Hi there. I hope this is okay to post here. I have two pretty big debts (to me anyway) I want to pay off. I have reduced them considerably over the past year and they're dropping pretty well. One is PayPal credit (which is mine) that is £498 and the 25.9%APR The monthly payment is approx £18 but that's the minimum. I…
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Feeling sick and worried about what to do!
Hi I've been a long time lurker on here, reading threads for advice but feeling so much anxiety about making a decision on my situation. I've had a call with a mortgage broker as my mortgage is due to renew in October 2025. My situation - debts have build up due to a combination of circumstances I have been rennovating my…
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Help regarding next steps
Hello, I am looking for some advice regarding two debts I owe and the best way to move forward. 1 Link Financial, defaulted September 2021, loan with MBNA outstanding balance of 17900 2 PRA, defaulted September 2021, CC with MBNA outstanding balance of 2745. I have sent CCA requests for both at the beginning of the year.…
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Intrum account
I did a CCA request a few years back and they confirmed they could not supply the CCA agreements so debt unenforceable , not heard anything since but the account remains open on my credit file, can I request closure? Or will I need to offer a settlement figure ? We are due to renew mortgage in nov 26 so keen to get this…
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Debt management plan partner C S
Hi all. I'm new to this. I have 40k worth of debt and would like to look into a DIY debt management plan. But just need to know if there is anyone out there who has had direct experience with going on a DMP with a joint mortgage (partner) and it effecting the partners credit score i.e what actually happened. Only joint…
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Cabot Financial
Hey everyone, I’m facing a bit of a moral and financial dilemma and could really use some advice. I have a £5,700 debt with Barclaycard, which has been sold to Cabot. I haven’t made any payments on this account since 29th September 2020. Since I live in Scotland, I understand the debt would be extinguished (become…
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Default and DMP advise
Hi all, After a bit of advise please, I have x2 cc (Halifax and MBNA, total approx £24k) that I have stopped paying (last payments made were in Nov24 MBNA and Dec24 Halifax) I have today received a letter from Halifax stating that I have 14days to make payment of the outstanding minimum payment due otherwise they may end…
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Response from Debt Collector
Hi, im just after some advice i recently got a letter from Link Financial saying they was working on behalf of someone who was looking to recoup money from me, i have no recollection of this debt and sent them an email with the letters that i found on here i got a response today saying they work on behalf of the company…
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Can anyone please help me with debt
Hi, just joined after someone recommended here. I currently have 40k of debt and I am looking at ways to clear it quickly. All help very much appreciated
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Credit card debt Scotland
I currently have two credit cards, around 2k, with link Financial. Both defaulted in April and june of 2020. I've had no written correspondence with them. They only contact me for one of the debts, sending a quarterly statement. How likely are they to take legal action and, am I right in saying they would only have until…
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Advice Needed with Lowell Debts
I am wondering if someone could give me advice regarding 3 outstanding debts I currently have with Lowell, which are: O2 UK Amount Owed: £804 Last Payment Made: April 2018 Scottish and Southern Electric (Dual Fuel) Amount Owed: £556 Last Payment Made: April 2018 Vanquis Credit Card Amount Owed: £323 Last Payment Made:…
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