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Paying repossessed car debt
Looking for advice for my son whose car was repossessed after he fell into arrears with car finance. They have now instructed a solicitor and are chasing him for £20,000 which he hasn’t got. He needs to sort out some sort of repayment plan by the end of this week and is worried sick. He says he has been told by Citizens…
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Close credit card?
Hey, I am currently paying off my debts (they're on 0% credit cards at the moment) I have just cleared a debt with BC, the credit card doesn't have any annual fees to it, neither am I planning on using it. The available credit on it is 13.5k Now - here's my question 🙂 In September I have around 9k of debt that will need to…
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50k on credit cards all out of 0%
I’m in a bit of a pickle now, I am making and affording the minimum payments each month over 6 credit cards and there’s about 50k balance across them all, ought 1k split amongst them all. Is there a good idea to start to get these consolidated? The interest is probably outweighing the minimum monthlies. i am self employed…
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LOWELL / ALL OF A SUDDEN CONTACT FROM LOWELL
Hi, :) So in 2015 I was 18 and took out a phone contract, the phone broke and I stopped paying. Young and naive. Debt ended up going to Lowell. I was paying £10 a month or something then stopped. Can’t remember why I did. but it ended up with me getting a CCJ. I didn’t attend court or anything as I never knew it was…
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Advantis
My son has had a letter from Advantis yesterday about legal fees debt , this court case was nearly 13 years ago he has no contact with anybody since and no letters , out of the blue this letter was put through the letterbox yesterday ,My question are have they any right to pursue this debt as it's 13/12 years old Does he…
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Step change Dmp
I have just started a dmp with stepchange. I have a loan with zopa and they have said they are gong to keep adding interest to the loan. Do I just keep paying token payment to stepchange? I read on their site they may pass the debt into P2P ltd. Will they agree with the dmp payment. Has anyone had dealings with them?
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Credit cards default
Hi Guys, I have defaulted multiple credit cards totalling 25000£.zopa(3000£),natwest(9000£),halifax(2500£),llyods(3500£),Aqua(3100£),fluid(2000£). I have missed 2payments and might be on 3/4 it goes to default. I don’t want to enter into IVA or get CCJ”s.I lost job 2months ago and struggling financially. What are my…
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Debt Collector / Bailiff For Partner
Hi My partner is in a dispute with a former friend who says they are owed money and has logged a claim with the courts. It's nothing to do with me but the former friend is messaging me to say that it will go to a debt collector which won't be nice for me. I just wanted to check the situation if it gets to a stage where…
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Wescot refused Full and final settlement offer
So the story is Being paying a minimal amount to wescot for 6 years for a Santander overdraft Santander has recently sold the debt to Cabot but wescot is still managing this. I've written to wescot offering a full and final settlement. They have written back today saying there isn't a settlement available on this account…
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Creditor…
Hi all, last year I lent a ‘friend’ £800. They needed it for their rent as had been short paid apparently. This friend then didn’t pay back in the two weeks and further went on a road trip with their partner in the uk at Christmas. Still no payment and have been informed they have filed for bankruptcy. Being made redundant…
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Capquest Help
wondering if i can get some advice . I received a letter in Dec 24 for a debt that i can’t remember and in my maiden name that i’ve not used for 18 years however i sent Arrow and Capquest a recorded letter to ask them to prove the debt is mine. i later had a reply from capquest only telling me to contact OPOS . I sent a…
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Self Managed DMP and First House Purchase
Hello I have gone through many threads but have been unable to find an answer to my question. I am 30k in long term persistent debt with payments of 850 a month on a 29k income. It is only over three lenders. Basically I am being crippled by my debts without enough money for food or heating. So far I have not missed a…
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Being chased for a debt from 2007
I have just had a text from Lowell and it looks like they are trying to call me too about a bank loan I had with HSBC. I genuinely do not rmeemebr
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Wescott final settlement - letter or email
Hi Just about to offer a final settlement to wescott, Do I email them the offer or do I write an actual letter? Which is best Thanks
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Pay off CCJ or not?
This discussion was created from comments split from: DMP mutual support thread part 13 !!.
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Lowell - Offering settlement to mark as closed on credit file?
Hi - I had some wonderful advice here a couple of years back, and I'm hoping for some help figuring out best steps forward again. Back pre-pandemic, I had defaulted debts totalling about £9000 across 4 collection companies. 2 of those companies agreed to close and write off my remaining debts around 2022 after my advisor…
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Mortgage Shortfall - Landmark Mortgage (Previously Northern Rock) - c.£37,000.00
Hello All, My mother recently received a letter from Landmark Mortgages regarding a shortfall of c.£37,000.00 that occurred following the repossession of her home in 2015/2016. Within the letter they state they first wrote to her in March 2016(which she has no recollection of) to let her know they sold the property. She is…
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PayPal Negative Balance
Hi all, i am hoping for a little advice. I have a PayPal account, tied to a gmail.com account, that i have not used since around 2016 (checked through my emails and the last paypal receipt is dated 13/04/2016). Recently i switched my Broadband supplier using a switch and connect £150 offer via CityFibre. The deal was to…
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Starling refused account
Hi, I have opened a starling account with no issues. However my husband was declined. I was quite surprised as he has a good credit rating so am unsure why it declined. He has a Santander account with a £700 od (which is maxed out.) I am unsure whether to apply for another basic account with someone. Or whether to approach…
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What small DFW things will you do this week? WC 24 February
When we start on the DFW trail we do loads of "big stuff" that makes quite a difference to our situation. These include having our lightbulb moment, cutting up the credit cards, and canceling Sky and the gym. But once we have done the bigger stuff, we often feel that we are not making the same amount of progress, when in…
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