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30 day notice of intention to court proceedings
Hi, As the title says, I have received a letter advising of a DCA's 30 day notice before issuing court proceedings. This was re. payday loans taken out in 2018. The payday loan company itself provided a redress of the whole amount, however, due to insolvency, I got pennies to the pound, (roughly £36 got refunded to me).…
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persistent debt letters
Hi We are at the start of our DFW journey. My wife and I are on the same page and she knows about all of the debt. She suffers with anxiety and in order to support her, I will deal with the day to day money stuff. We have agreed to have one sit down conversation each month to look at the figures etc. My issue is persistent…
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Can we avoid a DMP?
Hello Everyone, We are in a bit of a mess. Years of not looking at what we are doing, along with a few disasters has left us in a sorry state. We are at a stage where we have to get this sorted. We are both in our early 40's and we don't want to enter our fifties with this mess. If possible we would like to avoid a DMP or…
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Can I use my excellent credit score to ease the burden on wifes awful credit card debt?
Hi all, (if a moderator is reading this - could you help change my username? Apparently I cannot edit this!?) It's been a painful 24 hours working through family budget, cutting spending and supporting my wifes fragile mental health. To cut a long story short, we are a family that is spiralling in debt. We overspend by…
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Reconstituted CCA
If a reconstituted CCA is valid, then why aren't more creditors doing this instead of sending invalid CCA or stating they can't find the original? Surely it shouldn't be too difficult for them to recreate one, or am I missing something here?
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Credit Card debt v Savings
I'm not sure if this is the correct place to post this, if not please delete :smile: I have a CC debt of around £4k with John Lewis at 24.49%. I currently pay a minimum of £100 but usually more. I have around £2k in savings with M&S at 2% interest. Is it better to just use the £2k to reduce the JLPC or keep the money in…
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PRA Group advice
Hello there, Nervy lurker seeking some guidance on the infamous PRA group if possible, please. I’ve read other threads but they don’t seem to quite fit what I’d like to settle in my mind. I hope it is ok to start a new thread. I’m in the process of becoming debt-free (having made so many mistakes in dealing with the debt…
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Run out of options on 0% transfers due to the high interest rates, what do I do with my debt!
?Hi all, I have been running up debt on 0% credit cards since about 2015 when I returned to work after 2nd child. I think my total debt is about £10,000 or slightly more but it is spread out amongst various 0% cards. I also have overdraft but that is all currently 0% as well and I am saving up to pay back my HSBC overdraft…
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Lowell
Hi all, I need some help, I'm not sure what to do. I've received text messages for the last few months from Lowell. They have my name and number correct, but they keep saying they've sent me letters which I've never received. The latest text says Hi (Removed by Forum Team) xxxxxxx, it's Lowell. If you don't contact us, we…
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Bleeding me dry!
Hi, So I’m having a bit of a problem and reached out to see if anyone had any advice. I have recently finalized a divorce that we ended up settling through a court. This has been a very hard endeavor as the greed took over what could have been an amicable settlement. Anyway, in the end I paid him £55k and court costs and…
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Question About TPP
Hello, I have been on a TPP since last September. I want to renew. I would like to stay on the TPP for the maximum amount of time possible. I hit a snag with the budget review. I have 4 agreements, of which I am still within the contractual agreement. I haven't defaulted and this will not happen. I have 5 defaulted…
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On DMP - advice needed
Hi, I currently have a DMP on 8 accounts (interest frozen) - I have sent CCA agreement requests for all and am hoping I'll get a positive response for at least some of the debt to render them unenforceable. As it stands, my DMP will finish September 2031. In the event all are still enforceable, I need a plan. Currently, I…
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Spouse in Hospital
My spouse is in hospital with neuro condition. Cannot really comprehend anything. I'm being chased for debts, tax credits overpayment, Council PCN and other debts. Some have threatened bailiffs. What are my rights in this? What should say to each creditor, I've told them about hospital and sent all hospital documents, but…
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Employment screening
I am currently in employment but am worried that if I enter a DMP it will cause problems with the in employment annual screening. Is this something that would show up? Thanks
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MBNA old debt now with Lowells
Hi please excuse the long story but I need some experienced advice please. I have a very long MBNA debt, probably 12 years or more. I have a Tomlin order and have religiously paid £100 via 4 x weekly payments of £25 a month. The debt has gone through many debt collection agencies, including but not only Arden,…
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Debt Help Please
Hello All, I have been in debt for many years. After talking to StepChange, they have told me that my debts are affordable, to stick to a budget and keep pushing on. I thought I would post here for a bit more advice. After I pay off the minimums each month I am left with a bit of cash, but I feel like I'm in an endless…
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help with paying credit cards
Sorry if this is the wrong place to ask but my situation is that I owe 12k on credit cards (long story) 2 credit cards. 8 on one and 4 on the other. I can get 6k together, do I pay the whole of one off and 2k onto the other or do I split it. I'm struggling with the repayments at the moment and cant keep up with them. Also,…
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Resolvecall and Statute Barred Debt
HI, looking for some advice re. Resolvecall and a Statute Barred Debt which dates back a good 8-9 years. Had been receiving countless phone calls which were all ignored alongside letters when a week ago I emailed them the standard letter stating that I admitted no liability and didn't intend to make any payments etc. They…
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Droyds debt company
Hi can anyone tell me how to contact droyds please? I’m so sure they owe me money now but cannot find any contact info for them . Thanks
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Time to make a change - Debt-free wannabee!
Hi Everyone, I have been in 2 minds about whether to sign up to this forum & submit a post but after seeing the level of support and genuinely useful positive comments / information I have decided to give it a go. I have managed to accumulate a large amount of unsecured debt over the years. This has been due to several…
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