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Debt Question
Hi all, Firstly thank you for taking the time to read this. I have followed the steps on a DIY plan, so far I have cancelled the direct debits for the loans and credit cards to stop all payments. Based on recommendations I have ignored calls other than to state I want everything in writing and no more calls. I have had…
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Approaching 6-year mark but Lowell reapplying default to credit file?
Hi all, I am approaching the 6-year mark (thankfully), but the company, Lowell, appears to be attempting to reapply the default to my credit file. From reading, I understand that once an initial default has been entered onto a credit file, it cannot be re-entered or reapplied but I am concerned this is a loophole that some…
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What to tell StepChange
I suspect the answer may be “the truth”, but I’m putting off trying to get through by phone to SC as I think I might be dissuaded from my plan! DMP first payment was April and I paused it in May. Affordability complaint with Financial Ombudsman for 4 NatWest accounts, all passed to Moorcroft and I don’t want to pay…
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Lowell query re CCA
Hi - My sister has sent many CCA letters and some have come back saying no info can be provided so she has stopped paying (took a lot of persuasion to convince her it was ok to do this!). She has a debt with Lowell and shortly after she sent the letter (about 2 months ago) they wrote saying they have asked Creation…
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Repayments are greater than income - DMP?
Hi everyone, This forum is fantastic, I have had a read through several threads as I'm trying to decide what's best to do in my situation and it's given me lots to think about. I have £38,000 debt in total which is 6 credit cards and 6 unsecured loans. I've not missed any payments on any of these accounts and have no…
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Living abroad with overwhelming UK debt
I'm not sure my best course of action? We moved to Bulgaria two and a half years ago when my job finished in the UK. We'd previously bought a cheap house (£7000) in Bulgaria with the intention of retiring there. I'm now 60, so a few years off yet. We didn't have a house in the UK as I was a farmer manager and we lived in a…
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CCJ Consent Order from 5 years ago.
I have a CCJ from a £299 parking ticket in issued on 20/05/2021. I settled this CCJ in 2022 after a dispute process. I won't get into the details of the dispute but it was quite unfair in my opinion... During my house search, I realised my CCJ was marked unsettled. However this was wrong. I reached out to the claimant in…
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Dmp
Hi I’m 36k in debt I have spoke to step change they have suggested a dmp can anyone advise what’s the best way should I go with dmp or not thank you
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Mortimer Clarke Solicitors unresponsive
Good day I am hoping for some wisdom from someone - otherwise we will have to defend in court against Mortimer Clarke Solicitors This is situation: * We have been on a DMP with Step Change - it has gone well and we have 3 payments left to clear all our debt. It has taken 4 years to pay off all our debt. * One debt was…
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I feel a sense of achievement
Hi all So my husband and I have been taxiing a 5k debt thay was for our bathroom renovations. We have finally paid it all off after a year. It might not seem like much but we were paying down other credit cards that carried a balance and the 0npercent deal was eneding sooner. It was also our first time using a money…
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Anxiety Over Self-Managed DMP
I was asking advice here a few weeks back re self-managing my DMP. It’s newly set up with StepChange who took first direct debit in April. I’ve asked them to pause May as I had an unexpectedly expensive April 🤦♀️ and I haven’t yet built up an emergency fund to any great degree, which SC have agreed to. I was on the verge…
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Where is the support
I have been In a DMP since Dec 2023 and I don't think I've had any support from Sttepchange really They never reply to emails They never answer your questions So how exactly are they helping I've never have any advice They set up my plan I pay in every month And nothing else I had a big bill come in Aug last year so I said…
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British Debt Collection Company threatens with CCJ due to unpaid membership fees on German website
Good morning, I hope everyone is well. I do have a bit of a tricky situation and don't really know where I stand legally. I am German, but do live in the UK for several years. A few years ago I have signed up on a German website for dog breeders, which offers a Premium membership, which I had for the last 3 years. A few…
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Mortimer Clarke
Hey guys, so I asked Mortimer Clarke for proof of debt ownership using the prove-it letter provided on here & they sent the debt back to Cabot financial immediately without providing any proof. Does that mean they can’t provide it? Or do I now need to do the same to Cabot? I have other debts with other companies also,…
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Statute Barred Help
Hi all, I am new to the forum, and looking for some advice. I think I may have made a massive error, I received a letter from ACI concerning a credit card debt from TSB. It is from 2010ish and this is the first I have heard from anyone about it in approx 8 years. I have never replied or contacted anybody ever about it. I…
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CCJ advice required please.
Hi, A messy situation, but I'll keep this as concise as possible, as I respect and value the help you guys provide. I would appreciate your help please. Having gone through financial failure/divorce, loss of child, loss of job, severe depression, had to walk away from the UK in 2018 and moved abroad (South America)…
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Some advice would be much appreciated - DMP or not? Self-managed or not. Significant debt
Hello, It's taken me a lot of guts to write here. I have been wanting to for so long and just feel like I couldn't, therefore, this is a big step for me. I am currently in significant debt due to gambling of around £70k across loans, credit cards and PayPal negative balance across 11 creditors. Loans are with Zopa,…
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car finance arrears - help!!
Hey, dont know if anyone can help me please. I have an Audi q2 which I have fallen behind on payments with vwfs - ive missed a total of 10 payments from since march last year due to changes in circumstances. Ive had the car since feb 2022 and contract ends march 2026 Im currently working with step change to get my debts…
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Lowell saying not statute barred
I have had loads of letters, emails, texts and phone calls from Lowell since November 2024, regarding an old credit card debt The last payment on the account was Sept 2018 . I replied saying the debt is statute barred, however, they are saying it is NOT statute barred as the original lender issued a default notice in Sept…
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What happens if you can't afford to pay?
Hi all, After following the excellent advice on this forum regarding non-payment of unsecured debts to force a default, I am now at the stage where letters have started arriving from Debt Purchasing Companies. Originally, I had 10 creditors with a combined total debt of approximately £50k which have all slowly fell into…
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