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A muddle
Hello everyone, I could do with your advice. Sadly, I just lost my job - only recently moved to it and it really didn’t work out at all and we agreed to part ways, I am disappointed, and they were quite decent people, but definitely the right thing to do - the role was incredibly stressful to say the least and was not…
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Overdales Solicitors Refusing to accept evidance sent
I am at my wits end, 2yrs ago I received a letter from Overdales Solicitors, saying that I took out a credit card and used said card and failed to make payments! I of course knew nothing about this and thus contacted them to ask what it was all about, they said that a card was taken out in my name on a particular date and…
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A Muddle - Part 2
I think, by error - I posted in the debt free diary section and it should be in the debtfreewannabe section - would it be possible for it to be moved there please? Many thanks.
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Does a completed IVA need to be mentioned in a Will?
My father is about to make a Will. He entered into an IVA in 2016 which was completed in 2021. A certificate of completion was issued the following year. Does he need to mention this in his Will, and if so, would this impact his estate at all? Or, since it is completed, is it now irrelevant?
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DMP for £77k? I’m really scared…
Hi! I’m 30F. Looking for some advice on my situation. I’m so sorry for the long post but it’s taken me weeks to make an account and find the words to write down. I’m so ashamed and upset that I’m in this position I finally pulled my head out from the sand and looked into a DMP with Stepchange. I won’t lie it feels so wrong…
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Defaults
Evening all, quick question, hope this makes sense when you’re waiting for your accounts to default and some accounts default a lot quicker than others, what do you do with the accounts that have already defaulted but the others haven’t yet? Im worried that one of my accounts are about to default but the others seem to be…
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Token Payment Plan (TPP)
Apologies if there is already a thread on the above but I couldn't see it. Can anyone give any advice on the above? Is there any benefit to doing this? I feel like my situation will change for the better within the next 9-12 months (lump sum to pay back many/all debts). If I set up a TPP paying £1 a month, I'm assuming…
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Embarrassed of my situation and struggling to understand how I got here
So I’m 44 female mum of one teenage son I rent, don’t own a car, don’t go on holidays don’t have and savings I’m in nearly £30k debt and have just entered into a dmp my problem is I’ve always been in debt my parents didn’t guide me very well so I was never encouraged to save I kept thinking I’d eventually get out of debt…
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CRS keep texting me for Three Broadband which I stopped. Do I Pay?
A few months ago I got broadband from EE and therefore terminated my 4G Router from Three which was on a rolling monthly contract. I know you are supposed to give 30 days notice but I literally could not find any correspondance for them or how to contact them so I just cancelled the DD with my bank. I expected Three to…
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Debt advice agencies, whether to use and which one is best for me
So i am now at the point where all of my debts have fallen into default and its time to address and get payment plans set up..per the frankly amazing support on this forum i have quite a few..no judgement please, and they seem to be all over the place, some with debt collectors, others with the creditors and some have gone…
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PayPal debt
I have over £2300 in PayPal debt and I'm struggling to pay it because the interest is 21%. I don't really understand what the interest amount means, I just know my monthly payment isn't really paying anything off. I was trying to work out a way to pay it off sooner. If I paid for an example half of it off in a few months,…
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Online Support Required (Advice Welcome)
Good morning All, I am looking for some advice really, on where best to find expert advice. Unfortunately, I have racked up significant debt over the past 5-10 years. Whilst I am managing to pay it off, and still have money left over, I don't think I am doing it efficiently and there is probably a fair better way for me to…
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Do you owe Council Tax or benefit-related debts? Take part in interviews investigating their impacts
Hi everyone, I’m a doctoral researcher at a university in England where I'm currently conducting research into the benefit-related debts (e.g. overpayments, Universal Credit advances, hardship payments, etc.) and council tax debts that people owe to the government and local authorities. In particular, my study aims…
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Do CABOT have a claim against me?
I have an outstanding debt from 2013 for a little over £6000 to a loan company. I was in a lot of financial trouble at the time. And had a lot of letters and recovery threats arriving. At the time I buried my head in the sand and ignored many letters. I have since sorted my financial situation, or so I thought Although I…
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Have done DMP but due small inheritance
Hi everyone, I decided to go for the DMP that step change suggested and my monthly payment will be £119 down from £500pm on credit cards. I told the person I spoke to that I may get a small inheritance of around £6k in spring next year and she said I may be able to settle my debts (just under £11k.) Does anyone have…
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Virgin credit card removed from credit report help
Had 5 cards. 4 defaulted and all om credit reports and sold on virgin were the last to default according to letter but its been removed completely on CRs Lowell have been in touch as they have it now any advice on this one? Contact Lowel and make paymebts?
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Unexpected expense at the start of DMP
Hi to all, I stopped paying creditors in August so not too long ago.As stated in my previous post, I am just starting to get some defaults on the horizon. Namely NewDay/Pulse. PayPal credit have given me until 22nd November to pay my balance in full, so I suspect they might be next to default me. My intention is to…
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Capquest debt letter
Afternoon. Newbie here. In July I got a letter saying some company had brought a shop direct debt I have. This was from 2008. Now I don't remember this at all. The only shop direct I ever had was 2014. I needed up paying that off on credit card. Well today I got another one saying I still owe £300 and that some of the…
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Money Moral Dilemma: Should I borrow to help my husband pay off his debt?
This week's MoneySaver who wants advice asks... My husband of just over a year (though we've been together for seven years) has got into £20,000 of debt. It's not clear how, although he's a generous person. I own the house we live in, and told him at the start of our relationship I didn't want any debt in the house. I…
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Coast Finance / Welcome Finance - Secured loan
Good morning, needing advice here as going round in circles. I have an offer on my house and have printed off the orders against the property. I've managed (hopefully) to sort out the ones I knew nothing about and look like interim charging orders but left with original secured loan from Welcome Finance (2004). The copy…
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