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Trying to clear 5.5k debt Inc SOA.
Hi. I was wondering if anyone could look at my SOA. I'm certain everything is cut down as best as can be. FYI: £830 rent includes my share of rent, all priority bills and food. Hence you won't see those other bits in SOA. I currently do not save anything for gifts, just buy as they come up. I'm trying to get a second job…
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DMP and the consequences
Hi all, I think I will be shortly entering into a DMP with stepchange. I’m just cautious as I’m currently renting a flat which isn’t the biggest space, I would be looking to move to another rented property in the not too far future but I’m just wondering if this would even be possible if I’m on a DMP? I’m also worried…
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Unknown Debt from 2014?
Hi all, Newbie here, just wanted some advice if possible. I have received a letter today advising that a Debt(?) of mine has been sold - From Arrow Global to Capquest. This was a surprise to me as it is a Debt I genuinely have no idea about. Even more stumped as I made a conscious decision to sort my debts and credit score…
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Help with debt next steps…
Hi everyone, Apols in advance for the long post. My husband and I have got ourselves into debt after years of over spending and unreliable freelance work. For the first time in decades, we are now both full time employed. I’ve completed the SOA below and just wondered if I could use the forums expertise to work out what to…
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Lowell - CCA
Hi All Long-time lurker, rare poster. Just after some advice on which direction to take when tackling a response to Lowell. They have taken over from Hoist, and now own my very old Barclaycard debt. Long story short, this is the final debt of over 20 I had from a period of dreadful financial mismanagement (payday loans,…
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Left Dubai in 2007 with unpaid debts
Hello, In 2007, I left Dubai with unsettled debts and am now considering a return next month owing to a compelling job proposition I've recently received. Prior to making this decision, I conducted a thorough legal check to ascertain if my name had been flagged by the police or if I was subject to any travel bans.…
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Loan or save
Hi there, I have a 2.9% loan with about 14 payments left on it (£2100 ish). I also have 2 savings accounts that I put into in lieu of pet insurance that have accrued in total just over £3000. The interest is 2.9% and 2.7% which is less that I though it was tbh! Would it be more prudent to pay off the loan (early repayment…
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Hoist/Lowells
Hi, Long time lurker, first time poster here. I'm after a bit of advice please. Lowells have contacted my partner regarding a debt. Lowells have acquired Hoist Finance and this debt was with Hoist. My partner sent a provit letter regarding this debt several years ago, and received a reply from Hoist to say the debt was…
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SoA - some extra eyes would be appreciated
Hi everyone, My sister called me earlier this week quite frantic following her lightbulb moment so we've sat down and created her SoA. I've got some ideas on savings (I've told her the brows, nails and disney+ are going to have to go) but I would appreciate any input anyone more experienced can give on this. It's not great…
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Providing budget breakdown to DCA
Do you have to provide a budget breakdown to DCAs when setting up a repayment plan? I have a few debts (CCA request pending) with PRA and Moorcroft. Do they need a detailed income and expenditure breakdown before accepting a repayment plan?
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In a deep mess and not quite sure what to do
Hi Everyone I am absolutely terrified at the position we are in. I have been reading through other threads and have done a SOA. (see below) Our debts are due to a multitide of reasons. General overspending, mental health issues ( wife), house repairs, disorganisation, maternity leave etc etc etc. There hasn;t been one BIG…
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Help with debt
We are 8.5k in debt on credit cards then owe one parent 3k the other 7k. i don’t even know where to start, credit card debt is on 0% interest. Help?
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Query on how defaults are recorded
Hi, I wonder if anyone can assist. A friend is trying to get on the property ladder but is plagued by defaults on her credit history. The debt has been paid in full. It arose due to non payment of a Tesco mobile phone bill. This was then passed to Lowell. Her Experian record shows three defaults. When she queried this, she…
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Capquest Settlement Offer
Just some advise On the 3rd July23 I sent a letter requesting a copy of the CCA, only contact I have had was a letter sending back the £1.00 cheque saying they do not charge for this. Today I have received a letter offering me a settlement figure but I need to log onto a portal to view this. 1. Should I ignore and wait to…
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Cabot CCJ
Hi I've received a letter from the courts from Cabot the particulars of the claim state the credit card was started 11/08/2015. It says a default notice was served without a date, checking my credit score via clear score the debt has been added but the history shows no data since the start of 2017. Would this debt be…
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Best way to default before DMP?
Have moved over to diaries but starting new thread for traffic purposes. All but confirmed DMP with payplan (DH). 5 CCs to 5 lenders Payplan have advised to move bank account before starting DMP Is it best to take all the money out of current account (move to new one) and let the CC payments default that way when there is…
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Help! Car insurance wants money back for total loss made
I received a total loss payment in march and then another one in mid may The one in may resulted in a £1.8k payment They said it's my final payment with the claim, ref number I received a email today saying the may payment was made incorrectly and they are looking for their money back by the end of August otherwise they…
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Where can I sit down and talk to someone and get advice?
Hi, I am in quite a bit of debt with a loan and credit card. I don't think I am at a level which requires an IVA or something along those lines but it will get to that level if I don't do something about it. I find interest rates, APR, moving credit balance to another and everything like that extremely confusing and I need…
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Sent Debt Proof letter but it was ignored, now ive been passed to collector.
Hello All, I sent a debt proof letter to people acting on behalf of AMEX (AIC) who I think ignored it (I have proof of delivery) and I've now been passed to NCO Europe for collection. Should they have sent it for collection? Do I have any recourse against them (AMEX or AIC)? Many Thanks in advance.
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Letter of Claim from Howard Cohen and Co Solicitors
Hi all I desperately need your help and advice as I believe this is only beginning of my problems :( I have just received a Letter of Claim dated 30.09.2020 from Cohen Howard & Co Solicitors advising that they were acting for their client, Hoist Finance UK Holding 3 LTD (ex Barclaycard) who intend to issue proceedings in…
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