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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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Newbie here - advice needed for clearing up our joint debt
Hey everyone, I am new to this forum so any help or advice will be more than appreciated. My wife and I have got ourselves into debt (just short of £50K) on cards and really struggle to make it all meet each month. We have not faulted yet but are currently getting deeper. Some personal changes are due (me a pay rise in…
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Advice needed please.
I’m think of going for a DRO or DMP. Just wanted to know a few things. For current debt do I state the amounts taken out, the amounts paid/current balance or total due with interest? Eg loan £5k, current balance £4,500, total due over 24 months £8.5k which do I write to StepChange? Currently I have informed two of my…
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Dissolved company charging order
I have a charging order on my property for £2666 There is no named liquidator to contact and the company is dissolved. I applied to the court to have they charge removed they have sated they can not because it has not been settled I need to contact land registry who have stated they also cannot as it has not been settled.…
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Defaults
I have recently had a default put on my credit report from marbles and possibly have another from hsbc next month, I called vanquish to today to try stop another default as my score has dropped from 900 to 233 with only one default so far so it’s wiped out everything I built up which isn’t great. What’s the best thing for…
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Old CCJ settlement discussion breaks down, what happens next?
I phoned the current owners of 2 unsatisfied CCJs from over 10 years ago hoping to settle at 10%. I had not heard from these people for several years. I have not made payments for over 10 years, if at all since the CCJ was issued as I had no income at the time. My offers of 10% were refused. I can understand that. I need…
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Debt questions around DMP
Hi All, I've had a good read on the forums and feel more clued up on what I need to be doing, so thanks for the knowledge shared. I do have a few questions though if some kind soul could help with. 1) I see most saying run your own DMP rather than someone else and understand why regarding defaults/building funds and…
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CCJ and debt default help.
Firstly, apologies as I've posted this on the CCJ forum and now realised that It should be on this forum instead. Can I delete that post? A few years back I got myself in a mess mentally and financially. I did what at the time was I felt my only option and buried my head in the sand. Fast forward to this year and I've…
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My partner's debt
Hi My partner has credit card debt of around £9,000, but it could be more. Whenever I bring it up, he gets extremely defensive & clams up. Even though he's previously told me that he's paying off £500 per month, whenever I ask him the balance on his card, the figure seems to be increasing. He just doesn't want to talk…
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Gym debt arc europe
Hi, I joined a gym, and you have to give 3 months notice before you quit, so I quit the membership and didn't go during that 3 month period. Obviously it adds up, and I now have 126 pounds to pay in debt for the 3 months, and I have been contacted by Arc Europe and told that if they don't receive the payment within 10…
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Just need reassurance really
Hi everyone, nervous newbie here. I was googling debt advice and came across this link and thought how nice it would be to hear stories of people who are in a similar situation to me, as often my debt journey feels incredibly lonely and isolating! I’m a married mum of three and my husband and I are currently in (inward…
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Credit File / Security clearance
Can any offer advice/knowledge? I have defaults that have dropped off my credit score. I’m in the process of filling out the financial section for security clearance for work. I really don’t know if I should mention these debts (as I’m still paying towards a couple but they no longer show on the credit file) or not. The…
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Debt Spiral - would love advice before the payment plan people call me in 2 hours!!!
Hi - I am definitely in debt spiral rather than crisis but it is not going in the right direction. All main bills such as mortgage and utilities up to date but I am personally in over £8k of debt due to a mixture of overdraft, pay pal credit, 3 credit cards!! and a loan. I have two part time jobs that are not bad paid and…
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Confusion over company debt with personal guarantee
Hi there, I'm wondering if anyone can clarify whether a debt can be owed both by a limited company and by an individual simultaneously. I ask this because I took out a loan under my limited company several years ago which had a personal guarantee. The business ran into trouble and was unable to keep up the contractual…
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What happens if you just ignore your debts?
Lots of posts here from people who want to get to grips with their problem and well done to them for making a start. I'm not in debt, I'm lucky, but I do wonder what happens eventually to the people who DON'T ask for help, just keep struggling on, making minimum payments, missing payments etc,? If they have an interest…
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Lendable Home Visit Letter
Hello, I have a letter for Lendable that says they will make a personal visit to my home to get back in touch with me. I had stopped paying the monthly amounts and not contacted them at all, hoping they would default first before I could tell them my situation. I'm thinking I write to them with my situation at this stage -…
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NCO Europe & Capquest - 15 year old debt
Hello everyone, I am sure this has been asked before but its now happened to me and I would love some guidance and reassurance. My previous relationship has resulted in a divorce, which happened 5 years ago. We are living in separate countries now. I was out of this country for a short while and am now at the lovely age of…
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HMRC letter
Hi Not sure if this is the right place to post this. I have received a letter today from HMRC for late filing penalties dating back to 2013/2015. This is the first time they have contacted me. I did run a business back then and had an accountant who dealt with all my returns. I am aware that HMRC can persue you for a long…
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