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Old 118 Card - defaulted in 2024 but not paid since 2020
Hi all, I had an old 118 Card (yes I know) back in the days when I was very debt spendy. I have been looking at my credit files lately so am uncovering this old horror. Bit of a weird one when I check the data on my file. Opened: Jan 19 - payments listed from April 19 to Mar 2020. Then 4 missed payments, then lots of no…
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Query about debt and PRA
Hi, I am hoping someone can offer some advice. I have 2 debts from credit cards one with Lowell and one with PRA, Lowell have offered a reduction of 70%. However PRA are not budging so would like some advice on how to approach this. I am a full time unpaid carer, I tried going back to work but it didn't work. School kept…
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Money Moral Dilemma: Should I stop lending money to my daughter?
This week's MoneySaver who wants advice asks... Of my four adult kids, three handle money well. But the youngest's money disappears at a startling rate. In the past she's borrowed from her siblings, but they got fed up and now it's me who lends her money. We agreed she'll pay me back when she's earning enough to do so.…
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Post default pestering to reinstate DD
Hi to all, I had two accounts with Lendable. Both have defaulted (Confirmed on Credit Karma). They (Lendable) are still sending me reminders, advising me that my DD is inactive and my scheduled payment is due in 5 days. They then advise that I should 'reinstate' my direct debit. I'm not sure if this is some 'crossed wires'…
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Ccj claim fir statute barred debt
I got a claim form for a debt thats statue barred. I didn't think they can do that.. what do I write on the court form.. It's 8 years now
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EBay DRS debt collectors. Please help
Last year I sold an expensive ring on eBay for £300. Long story short it was bought by a dealer that informed me within an hour of receiving it that it would cost £80 to resurface the white gold. Insinuating I should pay for it. I explained that there were many pictures and I was clear I had worn it for 14 years. They the.…
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Problem setting up a standing order
Now that I have some defaults, I thought that I may as well
start making some payments to my self-managed DMP. I spoke with Barclaycard, and they said that they would be
keeping my account ‘in house’ for the time being. I told them I would commence making payments. They ‘insisted’ on a budget form being completed – which I…
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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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