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How do people stay positive
So as the title mentions when you seem to make all the right choices and seem to be getting a head then along comes something that puts you back!! if nothing to drastic but wife’s car failed mot basically best part of £600 I’m annoyed because was doing stuff to mine to ensure when my mot was due in jan hopefully won’t need…
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Flint Bishop N1 claim form received for debt I've never heard of...
Hi all. Looking for some help if you can please assist? We received two letters from flint bishop, regarding a debt of around £2500 from a tool firm, it came to my address in my name but it's absolutely nothing to do with me. Never heard of the firm or the debt. The third letter was a claim form N1sdt and indicates going…
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Acknowledging CCA
Sorry I have posted this question on an old thread regarding CCA with Ardent, however not sure if it's been seen. Ardent acknowledged the complaint of crediting £1 PO to account and refunded but still no mention of CCA and still hounding me every day with calls, emails and letters. In the acknowledgement of the complaint…
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Advice on spiralling debt
Hello 👋 really nervous to post but hoping for some advice please. I'm in a lot of credit card debt (£27k-ish across multiple cards). I've been in credit card debt before but never anywhere near this much - I had it down to around 5k pre-pandemic so more manageable, but a combination of poor mental health (which is ongoing,…
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Hoping for advice on which debt plan is right for me?
Hi everyone, I'm currently in £20,148.53 worth of debt comprising of 2x loans, 1x credit card, 1x balance transfer card, 1x store card and a vets bill, plus £633.06 owed to a friend, so all in all £20,781.59. Over the last 5 months I've been in contact with CAB, National Debt Helpline and now StepChange to try and find a…
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Notice of Appointment Letter from ACI On Behalf of Intrum
Had a letter today from ACI saying they are writing on behalf of Intrum who have instructed them to collect an outstanding debt owed to HSBC of £6,536. This is the first communication I have had about this debt in over 16 years. Do I need to send the Statute Barred letter to both ACI and Intrum? If a CCJ was raised say 17…
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Applied £1 CCA fee to account
Hi all, Started my journey about 7 months ago and starting to get defaults now. I've sent a CCA request Ardent Credit services for a next account that is now in default. I've had a letter back from them today saying they have applied the £1 to my account and not acknowledged the request at all. Where do I go from here? I…
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Restriction order
I'm sorry, I previously posted this under credit cards. Please help. I am in the process of trying to sell my property. There are 2 restriction orders logged with the land registry. One is with Arrow Finance and the other with Lloyds TSB. My solicitor has sent a letter to each to try to determine the amounts but didn't…
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What to do with bank account inc overdraft
Morning guys, I have stopped paying all current debts as planned but I'm unsure what to do about my bank account. There is a £3.5k overdraft on this account which is now over it's overdraft limit as I no longer have any money going into it and all DD's and SO's have been transferred to my new basic bank account. What do I…
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DMP length
Our current DMP for joint debt with my husband of around 28K based on our current budget paying out £100 a month will take us near on 30 years to pay off. We took out the DMP last year and intended to up it with our budget review this year, however cost of living crisis and our mortgage almost doubling that isn’t possible.…
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Newbie looking for help
Hi All, Thanks for taking the time to read my message, I have accumulated a lot of debt and I'm at the stage where I don't know where to turn to make a start on the road out of it. I am a single Mum on a good salary and I am overwhelmed with the debt management plans, Trust deeds, remortgaging options! I would really like…
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Moving direct debts to a different account for them to default
Hi all I am really new to this I’ve managed to rack up some significant debt (loans) and now feel I’m in trouble. i’ve read lots of threads on here and I feel relieved I’m not alone even though I felt so isolated. I was looking into getting a DMP, but then see threads saying that you should let your accounts default first,…
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Graduated in 2004 (Eng) - been ill and out of work since 2006
During 2006-2024 I was on sickness benefit and unable to work due to a long-term illness diagnosed early 2006. Since the beginning of this year my health improved after a change in meds/ lifestyle. I started working again in July part time (approx 12 hours a week) and I recently moved on to Universal Credit. I'm in a lot…
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Catalouge Default sold to Mortimor Clark
good morning all, i recently recevied a letter from Moritimor Clarke stating that they are going to apply for a CCJ on a simply be debt. i was in dispute with J D William (Parent Company) at the time and had a successful claim for unfair lending and balances reduced by the FOS but J D william wouldnt play ball with a…
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Bit of advice needed
Since getting my inheritance i've made a massive effort in regards to getting my debts under control. I've paid off £35,000 worth of debt and have the pictured remaining. Ive managed to get two natwest credit cards with excellent promotional offers and would like to know what the best next step is. Im thinking of. Im…
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Cabot financial
Self managed DMP. have debt which is now managed by cabot. I didn’t fill in an SAO when i set it up 12 months ago. They now have been in contact a few times saying i have 30 days to complete a review. I have no intention on filling in an sao if i can avoid it. Does anyone know if it’s necessary? thanks
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DRO
So after being advised by Stepchange that a DRO is the right choice my husband and I are going through the process individually with Money Wellness and I have to say that so far we are not at all impressed! It's all done online, which is expected nowadays I suppose however it is the most confusing system and when you try…
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Wright Hassall chasing debt from 5 years ago
Hi all, My dad recently received a letter from Wright Hassall about a balance of £5,368 owed to Cabot Financial. Although my dad wasn't very responsible with his credit, I don't recall him incurring this kind of debt so I was minded to request more information on this. However, when I logged in to the WH portal, it showed…
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Mental Health, Debt and Neurodiversity
Hello there folks, Third attempt at writing this... hopefully this will make sense to someone somewhere! I am 44, recently diagnosed as autistic and need some guidance on staying on the straight and narrow and was wondering how other people managed it? It has dawned on me following chats with my counsellor, StepChange and…
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Cabot Financial incorrect default date and subsequent CCJ
I did post this on the Legal Beagles forum but have had no replies, so I thought i'd pick the cranial collective here :-) NewDay applied a default to my credit file with an incorrect date. This complaint went through to the Financial Ombudsman who agreed with me that the default should have been applied in March of 2018,…
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