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Ccjs and Full and final offers
Dear all, I'm new to the forums so please be gentle with me 😀 Trying to keep this short but just want a bit of advice please.... I have a couple of old ccjs going back about 10 years which I have been paying regularly with minimal amounts per month. They no longer show on my credit files as they are so old. I am looking at…
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Clear SC or a HP loan first?
Good evening all, I have a question I'm hoping someone will be able to help me with. I have a Step Change agreement and a HP for a vehicle I bought in May 16. At present, SC is £180 per month, last payment due Nov 2019. The HP is £196.95 a month, last payment due May 2019 APR 37.6%. From the end of July this year, I'll…
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Debt collection letter from Arvato about 1&1 subscription
Hi, I received a letter today from Arvato wanting me to pay them 28 pounds something pence for a domain from 1 and 1. november 2015, i purchased a domain for about 99p, now they want 28 quid, i'm sure i cancelled it. The thing is, i'm 16 years old. Can I get them to remove the debt and just cancel my domain like I wanted…
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Council Tax Debt
Hi there, I've been poor with money for many years and being self-employed and partly on benefits too, it hasn't always been easy keeping an even keel. I manager much better these days but one thing I've slipped badly on is council tax arrears. Currently, I owe about £1,758 on two liability orders. It's £802 on last years…
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Full and Final by Phone
Hi, I have just chased a full and final letter I sent through to Paragon, I was told it had been taken over by Idem. They put me through and had no record of my letter so we went through my income and expenditure (quoting exactly what I have down with Payplan) and they accepted an offer of £6000 on a debt of £9800, which I…
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2017 - my frugal year
Brand new to MSE forums - don't really know how one works but I love reading the debt-free diaries of other people and over the last 3 months I've been setting myself targets. I think writing them down may well help me to stick to them. This year I am aiming to only spend on clothes when something wears out. Not spend all…
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Statement information
Hi, Please could anyone tell me if a company with whom you are in an arrangement to pay with should provide a breakdown of what you owe each month? I had to enter into an arrangement to pay with Argos at the beginning of 2015 where they stated my full balance was due. I continued to receive statements showing the payments…
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Advice required for Apex & Wescot
Hi all I have the following debts and wondered if the best plan of action would be to ask for a F&F settlement: Wescot-acting on behalf of HSBC £6130.05 Apex-acting on behalf of Capital One £2532 My questions to you guys is do I contact HSBC and Capital One with the offer? What do you think would be reasonable offers to…
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What is the best way forward
So here is the issue We have a mortgage at 3.7%, 2 years to go until remortage is due (7 years in total until the mortgage is paid off) With early redemption if we pay it off now £55K, Property value now £230 - £235K, Im the youngest in our realationship but close to 60. Currently we have debts of £30K :eek::o(credit cards…
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PRA Group (Loan Default) Advice
Hi, Been reading the forum for a few days but not able to get a clear picture in my head for my predicament and would be really grateful for any advice. My wife and I allegedly took out an unsecured loan (with a building society) for home improvements in 2008 and due to financial difficulties in 2013 we defaulted, with…
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Eternally in the red.
My self-employed income has been erratic for many, many years. I have relied on the peaks to clear what I now consider massive unsecured borrowings, mostly on credit cards. I'm forty this year and want to stop work eventually and have decided to tackle this head-on and hopefully be debt free within 5 years. I've bought…
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Introduction
Hello to all i was a member on here a long time ago and cannot remember any log in details but no matter as i have rejoined under a new name I have come a very long way since my last time here and have paid off over 50% of my debts My g/f has now moved in and so my household bills have halved which has freed up a lot of…
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Any advice would be helpful
Looking for some advice. Anything at all will help. My credit score is very poor so find it extremely hard to get anything on finance or even credit card to shift debts to 0%. I have capital one and aqua credit cards. I pay monthly to these but the balance never seems to get any lower. I'm left every week with no money due…
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Payday loan help!
Hi, I am struggling to keep up with my payday loan payments. I know it was stupid taking them out but now I'm struggling and can't keep up, it's been a vicious circle for me. I borrowed it so will pay it back but I can't afford the payments as they are at the moment, Any adivce or help would be greatly appreciated! Thank…
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2017 Debt Free Wannabe
Hello and Happy New Year Everyone, I thought after a long time reading posts on the forum that I would post and with this statement publicly declare my intentions; This new year, my resolution is to become better with my finances and become debt free. I have always went with the flow and spent money carelessly. I have a…
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Loan/mortgage/cc help!
Sorry to post a new thread, I couldn't figure out if that was the right thing to do or not! I'm after advice about my current situation - any and all advice welcome. I know my debt situation is not good... I have a mortgage through Chorley BS with 100K left on it, and around 25K equity in my house. I have a personal loan…
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HELP! Letter from American Collection Agency
Hi There, I am after some help on behalf of my wife who was very upset and distressed to find a letter from an American collection agency, AmerAssist for over $7000. The letter itself is a "Balance Verification" letter and specifically says "Unless you notify this office within 30 days after receiving this notice that you…
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Looking to get out of debt
IHi I wanted to pick your brains on my debt I've built up over the last 5 or so years since university. I ignored it for a long time which I regret now. I got with a debt charity called step change who pay my creditors a monthly fee of £230 per month of my total £4929. The problem I'm having is the companies have sold some…
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Lowell financial ltd. surprise letter!
Hello all! I'm new to posting here, here goes... I received a letter from Lowell Financial Ltd. stating they have bought a debt I owed BT for £152. I had an account with BT that I closed in June 2012, I telephoned and gave at least 30 days notice of my moving out date! I was unaware of this 'debt' until a few days ago! I…
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Where to start...HELP!
I'm relatively new to this site and been lurking for a while, but today is the start, the beginning...of the end... You've probably heard it a millions times before, but sheer stupidity as got me where I am today, with around £15k of debt between 2 loans and one credit card. I've been shifting from one 0% balance transfer…