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Telling My Husband About about my DMP
So to cut it all short. I moved in with my boyfriend into our flat, we went through a mortgage and everything and that's when things started to go down hill. I got into quite a bit of debt, loans, credit cards and all that. I got into about £7,000 worth of debt which I know isn't terrible but I'm self employed and only…
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What is my best option going forward?
Hello all! I recently decided to make a change to my circumstances and want to be debt free. I’m not sure where to go. I have 3400 in credit card 7600 in a car finance, 1000 on store cards. 8800 in a personal loan. They were all very silly expenses I didn’t need but being young a dumb I just didn’t care. I looked at my…
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Dealing with Mortimer Clarke
Last week I received a letter from Cabot advising they were passing my debt from Aqua to their solicitors Mortimer Clarke, I then received a letter from MC advising they would be pursuing CCJ if no response was received. This debt has had no payments towards it, nor have I corresponded with any debt collectors regarding it…
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Tomlin Order - CCJ set aside but payment plan already in place (PRA)
Hi all, I’m in a really tough situation and could use some advice. Last year was terrible for me, with redundancies, poor mental health, and living in an awful situation. Over the summer, I managed to get an internship at a different location. During this time, PRA filed a CCJ claim against me at an address I wasn’t living…
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Possible DMP or Default and Wait?
Well tonight was the night I faced reality…..and the reality is I owe £62k across 6 credit cards and 2 loans. The monthly payments are killing me, and the interest on the cards means that I’m barely paying anything off every month. I was pretty sure a DMP with StepChange was my only option, but having read lots of useful…
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Husband accrued 50k debt without telling me
Hi everyone I can’t believe I’m actually writing this but it looks like there is so much help on here, I am hoping I can get help to make a decision. We have a mortgaged house with about 40% equity. 2 children both around university age so will need financial support from us, which I am desperate to give. My MIL was in a…
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Debt collectors
All, I urgently require some assistance. I have gone through some threads but cannot find what I'm looking for. So I've had a bad hand. Been going through divorce and custody since 2023 and in 70k worth of debt. Virgin sold debt to Lowell.Capital on tap sold debt to shire recoveries.Mbna/ Barclays are on Hold. Hsbc have…
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HELP! i’m a student in debt and im overwhelmed!
Hi guys,. i’m wondering if someone could help me please or give me some advice. i’m 22 from the UK and a full time uni student. I come from quite a low income background, my mum is a single parent who has only ever worked in jobs that don’t require qualifications, so when i got access to my own money i went a bit wild with…
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£55K debt
[font=courier new][b]Statement of Affairs and Personal Balance Sheet[/b][b] Household Information[/b]Number of adults in household........... 2Number of children in household......... 2Number of cars owned.................... 1[b] Monthly Income Details[/b]Monthly income after tax................ 0Partners monthly income…
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Newbie starting a self managed DMP
Hello, Newbie here 👋 I’ve been reading lots of posts on this forum to get to a point where I understand the self management DMP process. Still trying to get my head around it. Very alien as I pay everything on time but the monthly payments are unmanageable which results in more debt - ultimately robbing Peter to pay Paul…
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Email from a bailiff, is this a scam?
Had this email recieved this morning - sounds like a scam or scare tactic to me as surely if they issue a ccj the court decides if i can pay in installements and its not automic removal of goods? Do debt is noted, nor amount.... i paste the entire email excluding my name below. Any advice much appreciated, btw his email…
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DMP and CCA Help
Hello, Looking for some help with a DMP I started with Stepchange in the middle of last year when I separated from a partner and it changed my outgoings considerably meaning I couldn't manage the debt level I had. I can't fault them they helped a lot when my head wasn't in a great space and I wasn't dealing with the…
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Debt letter ?scam?
Hello after leaving cobtrolling ex n adult children over 12 yeares ago suffering depession due to death of parents n father inlaw within 8 yrs i left to be alone iwent to refuge then to rented place i had my belongings but no electrical items freezer , tv , kettle, about £900 I was paying off with my sick money , for about…
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DMP Help please.
This discussion was created from comments split from: DMP mutual support thread part 13 !!.
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Jersey
Hello, Sorry this question has been posted on the wrong thread! :( Please ignore..... Do you help people from Jersey? My loan is with a UK bank. I have a credit card/overdraft here.
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I have a few questions regarding CCJs/attachment of earnings.
This discussion was created from comments split from: Struggling with debt? Ask a stepchange debt adviser a question.
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Settling Debt
Hi All, I'm currently working with Stepchange for the last year and have agreed payments with my creditors, most of which have now been sold to a 3rd party. In the next few months I will be in a position to clear all of this debt, my question is, is there value in trying to negotiate a lower settlement figure as the debt…
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IVA Advice please
Hello everyone, I am in approx £40k debt (loan 26k and 2 cc = 13). I earn enough to cover the repayments each month but only just and I am left with not much to live with. If I continue it would all be paid in five years. I wish I could move the loan to reduce interest or just have a short break from paying to recoup even…
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How Long Before I hear back from StepChange?
I made an application yesterday. How long before I hear back from StepChange? I am just anxious and I am needing someone to talk me through this. I am on the process of opening another basic bank account or using either Wise or Monzo temporarily for my salary to go into because I am scared it would go into my bank…
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Anyone from Jersey Channel Islands?
I have been searching for days and days about how Jersey is different from the UK in terms of options about going to a self-managed DMP or having a company like StepChange. Lots of users have given me info and advice but they are not from Jersey. I have tried Facebook, Reddit, but haven't found anyone who's experienced…
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