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Trying to make sense of it all
Dear all Firstly, I need to apologise from a previous thread and posts on here, at the time of making these I was not at all well and the medication I was starting was not making me act rationally. If I caused any general offence or upset anyone, I am truly sorry and hope that I can move forward on here and find some…
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Help with statute barred debt
Hi Could someone help please I took a unsecured loan on 2003, period of 5 y, paid for 4 years, something happened and left the country for 10 years , was some left on the loan when I left when I back I started a new bank and built up again every thing was fine till last week I saw my credit rating went down from good to…
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Debt Collection Fees/Charges for dropped debt.
Hello, Apologies if this is in the wrong place. I don't want to get into a long winded description here so i'll try and be quick. Around 10 months ago i received a letter from the land registry notifying me that a charging order had been placed on my house, this came out of the blue. Without going into too much personal…
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Judgement for Claimant (in default)
My partner received a letter today... a Judgement for Claimant letter, demanding over £500 to be paid in full. It threatens bailiffs. My partner suffers depression and I expect has ignored previous letters (and hidden them from me). He always buries his head in the sand with these sorts of things... So I don't know what…
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Debt collection rules
Hi all, I'm looking for some friendly advice please. I will try and explain as best as I can but if anyone has questions just let me know! As a stupid 18 year old I had a catalogue which I used to pay monthly along with payday loans and store cards etc. I fell ill in 2011 and began to default on most of my debts while I…
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Pay off car finance or Save for mortgage?
Hi all, I am a long time lurker of the forum and it has been a great resource for sorting my own poor finances out. In 2011 I moved out from my parents home to make it in the big wide world and with the new found freedom proceed to make a royal mess for myself financially. At one point was in debt of just over 22k with…
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The stress of debt is overhwhelming
Hi everyone, Me and my wife fell into alot of debt a few years ago after moving town and loosing jobs that were meant to be waiting here for us. We struggled for a few years, we have been in a dmp now for a year and things started to pick back up. Last April my wife gave birth to our daughter and so had to go onto…
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SOA on iPad?
I've just completed my SOA on iPad but can't seem to copy & paste it into a thread here. Anyone know what I need to do please?
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In a mess!
Hello, I was wondering if I could get some advice. I have got into a bit of a mess financially. I earn a good wage (36000ish) and so does my husband (20000ish) but we've got into a bit of a negative cycle. Over the years we have struggled at times...lots of childcare to pay out, wages weren't always this high, no savings…
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Token Payment and settlement offers
Settlement offer at 30% rebuffed is there a 'reconsider' template letter? Will Token payments stop all the phone calls and nasty letters? If creditor refuses token payment offer how can I set up payments anyway with no details? Would I need to submit an income and expenditure sheet before making these payments? After…
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Natwest student account - Unarranged Overdraft charges
Hello everyone, I am having a long check on my financial health lately, trying to cut spends, see if I have been ripped off or paid for something I shouldn't have. This includes looking over bank statements with my own bank, Natwest. I had a student account with Natwest from 2010-2015 and graduated in 2015. Throughout…
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Need advice re debt + benefits advice.
Hello, sorry for a long winded post. I need a bit of advice on how to approach this. I have run a thriving business for 3 years. My mental health issues (autism) have me struggle in a work environment but i did run a business from home repairing games consoles and PC components and for 3 years and BGA rework such as…
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24/7 moneybox
Hi all Don't normally post on forums and don't even know if I'm in the right section but asking for help as I'm pulling my hair out here... Just got off the phone with 247moneybox after having paid off a payment plan - earlier than planned as I did 2 jobs for a month and had the money to pay the last few £50 payments at…
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YNAB - you need a budget
Hi, I subscribed to the free trial of YNAB. Spent ages trying playing around with it. I'm not sure how this will work for me? It seems very complicated. Is anyone using it with success of reducing their debt?
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HELP - Part Payment Settlement Offer Rejected
Hi there I have just had a settlement offer for an old payday debt rejected by Asset Collections and Investigations. Debt - 397 Offer - 120 ' In receipt to your email, as previously discussed, the lowest settlement offer we are able to provide is £280.00. We understand this may be unaffordable, in this case the full…
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Attachment Of Earnings
Hi iam new and need help i have an attachment of earnings order that i feel should now be removed , but not getting any where , below is the email i have sent to Yorkshire Bank and the courts and no one has got back to me. I would appreciate any Help Thanks Tracy Dear sir, Madam, I am writing to you regarding a credit card…
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Nowhere left to turn and no options left open to myself
Hello, My debts have got out of hand and I have no idea where to turn to. Anywhere I try I get rejected. I have a house with £40K Equity in it and full time job with a good salary but my monthly debt repayments have gotten too much. I have total debts of £5K and anyone I speak to or try to ask for help on this I get…
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I spilled everything...
Good Morning to you all, Finally had the courage to start addressing my debts head on but only after an emotional breakdown with the better half on my debt and how much it had soared. Feel like a weight had been lifted afterwards and she is still with me which shows that I should have told her along time ago. I have…
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Clearing an old debt. Please advise
Hi everyone. So I have this old catalogue account which about 10 years ago (not knowing anything about how credit works) I said my my mum could use it to buy some clothes for my younger brother. Anyway 10 years and around 1k later the balance is now around £300. The account is charging around £10 a month interest, and my…
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Newbie help please - big bill!!
Hi - newbie here. Not a complete newbie to debt unfortunately - did get into a lot before which I was paying off successfully through Payplan and then I got my share of an inheritance and the first thing I did was to pay off the debts! Hooray! However - I bought a house (park home) outright with said inheritance money and…