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ACI debt collectors
Any advice, I have been contacted by ACI about a debt with HSBC, last contact was a good 20 years ago. I sent a statute barred letter today they replied saying that they would decrease the amount I owe from £6000ish to £1000ish, they say I have 7 days to reply from date on letter 4 of which have passed due to them sending…
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Improving credit score advice
Im wanting to try and improve my credit score I have about 10 months left on a loan which i am overpaying to pay off as soon as i can so that I can then start paying more off my credit cards which are mostly at 0%. My credit score is low as I'm utilising alot of my credit - at the moment im only paying minimum payments on…
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Parking fine
Hi sorry, me again. I've just received a letter from dcbl for £170, for a parking fine from may 2019. It says I have 14 days to pay or they will recommend it goes further. I dint have that kind of money, any advice would be great.
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CCJ for ex-landlord's council tax. Help filling out an N244
Hey hey, Got an email from a debt collection agency that had a CCJ attached to it with an old and wrong address. This is for an alleged council tax debt of 1,200, relating to student accommodation I rented in 2022, long story incoming: I've lived in this room in a 4-bed flat in Wales as a student and was exempt from…
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I'm sick with worry and need help please
I’m struggling with money again, and I don’t know
what to do. I feel completely lost. The worry is eating me up inside—I can’t
sleep, I feel sick, and it’s so overwhelming. I need help, but I don’t
even know where to start. I am awful with money, and I always have been. I was made bankrupt
back in 2010, and discharged…
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LOWELL CHASING FOR AN OLD CCJ FROM 2013
Hi can anybody help. Lowell have crawled out the woodwork and are trying to claim an old Vanquis credit card. I sent them a prove it letter which they just sent me a very small breakdown of figures. I then sent them a statue barred letter to which they replied because it was a CCJ it is enforceable and not statue barred, I…
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Overdales letter confusing
overdales letter, does anyone understand the terminology they are using. I'm not sure what part warrant balance is and the meaning it's satisfied, and what it means remaining judgement balance. Thanks Ian
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Notice of default sums
I am about to go into a DMP, well I will be when my credit accounts default. I started missing my payments this month so the ball is rolling. I have received a letter from PayPal today titled Notice of Default Sums. Saying £12 has been added to my account etc. Just wanted to check this isn’t a default? It’s come in pretty…
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Please help me with this mess
Looking for some advice if possible. The long and the short of it is, my wife got sick a few years ago and had to stop working this was supposed to be temporary however it turned into something a bit more long term due to complications and that then meant there was a shortfall in wages to bills and I effectively plugged…
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Help with where to start with this mess
I think with the start of 2024 - i need to finally acknowledge things are not ok and seek help with where to start clearing this mess. Below is SOA; [font=courier new][b]Statement of Affairs and Personal Balance Sheet[/b][b] Monthly Income Details[/b]Monthly income after tax................ 1800Partners monthly income…
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Self managed DMP HELP
This discussion was created from comments split from: DMP mutual support thread part 13 !!.
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Debt write off for mental health
Hi all has anyone managed to get debts written off due to the impact it is having on your mental health? If so, what process did you follow? Did you need to submit evidence to them as well or just you just write a letter explaining the affect it is having on your day to day living thanks a lot
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ACI notice of appointment
could someone share some light for me please? I’ve had a letter stating lifestyle loans have instructed ACI to manage my account. I’ve only missed one payment, does this mean lifestyle have sold my loan onto ACI, it’s all a bit confusing. also when I go got DMP do I give them the ACI account or lifestyle loans? thanks…
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Great 'ways To Cut Back' Hunt
MoneySaving's about cutting your bills without cutting back, but sometimes it's necessary to tighten the purse strings. This can be anything and everything. So let's use MoneySavers collective knowledge to form the greatest ever checklist of ways to cut back. If this is good, I may publish the results as an article :) What…
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Lowell o2 fraudulent debt
I want happy with o2 as their practices triggered my autism, I made a complaint about how they treated me as an autistic person and we agreed I would pay the full remainder of the contract up front so I could not have to deal with them I could stop using o2. So I paid in full on my debt card for the reminder of the sim…
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Looking to reduce debt and interest
Hi all, not got massive debt apart from the mortgage but my situation is I have two loans, one with Tesco which has a balance of £3.5k and another with nationwide which has £1.2k. The Tesco loan has an interest rate of 4% and the nationwide has an interest rate of 7%. my income is £2,900 per month, I’m currently paying the…
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Stepchange terminated DMP immediately hounded by PRA
I am seeking advice on how to proceed with PRA and StepChange. The
person details of why and how I got into this situation are irrelevant, but the
following details are. My debt was contracted in the UK before the Pandemic, and I would
like, in the future, to return to the UK. StepChange has conducted all aspects
of my DMP…
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Debt Advice please
Hi, I am after some advice. Long story short, income has dropped, outgoings high inc credit cards. I am considering options at the moment, but am concerned about the effect on my credit file in the long term. Several payments on 9 credit cards are late, behind with priority bills and currently looking to make arrangements…
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TIP: Treat annual expenses as monthly
Not sure if this has been discussed before but thought I'd share anyway. Earlier this year I started to treat my annual expenses as monthly ones. Dividing the expense by 12 and saving that amount each month. Now I know my subscriptions, insurances, car service etc are all covered. Gutted it's taken me this long to start…
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Tax arrears
Hi there - I apologise if this is in the wrong place! Basically my wife owes 42k (including about 7k in fines) to HMRC in unpaid taxes - this figure jumped considerably during covid as we were unable to support our household as I was out of work, we just fell behind with payments. The amount is in her name but it is of…
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