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Non-responding DCA
(Hope I am posting in the correct place). A few months ago I received a debt letter threatening County Court action ASAP from Moriarty Law for a debt I didn't notice?! I've recently started paying off debts I racked up as a silly youngster, but this isn't one I know. I got onto live chat and asked them to explain what it…
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29 and in £38,900k debt. Should I take out secured loan please?!
As the title suggests, I’m in ALOT of debt due to stupid mistakes. These are all unsecured debts and a HP agreement. Currently these are costing £810 a month, including priority debts inc mortgage is £2100 (my wages exactly) leaving no money to live on. I’m going through freedom finance secured loan, however I’m having…
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Council Tax - Court Summons - I have paid.
Council Tax - Court Summons Today I received a court summons letter for not paying enough council tax. But it doesn't make sense. I am on a Direct Debit and I can see all payments for this year going through on my bank statement even the one for this month. I haven't had any reminder/warning letters and I always make sure…
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We need to talk about debt advice (again)
Debt advice is in crisis - and facing more cuts https://wearedebtadvisers.uk/news/we-need-to-talk-about-debt-advice
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Life after a debt recovery plan
I had a debt recovery plan which ended in 2013 with partial settlements. Thankfully, I no longer have debt issues and am very much back on track. However, I recently received a letter from a debt collection company informing me that they had taken ownership of my account and they asked me to send proof that the agreement…
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I need help
I have a home essentials account with a balance of £1876.20. Minimum monthly payment is £80, I’ve been paying £100 to try to clear the amount but I’m being charged £45 per month interest. I have applied for 0% transfer fee credit cards but I was unsuccessful. I also have a studio account with a balance of £186. Minimum…
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SOA- Working through the debt to get ourselves a mortgage.
Hi everyone, Please can someone look over our SOA. The plan is to clear the debt quickly and be mortgage ready. My partners parents have kindly gifted us 17.5k for a deposit. House prices are cheap around where we live and I can get a lovely home for 140k. Can I have some advice on how this budget looks? We do have a lot…
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Do you think I need to change my bank account?
My creditors are barclaycard, MBNA, Virgin and PayPal. I’m hoping to start a DMP and my bank account is Halifax. Do you think I need to switch this? Thankyou
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Below £1000 pcm outgoings challenge
By my calculations this is around 24 months off. My committed outgoings or bills are currently £1301 a month, I have a loan to clear which is £263 per month and another commitment which is £36 a month, both will be gone in 2 years, I'll need to then cancel something or find something to take it below £1000, despite…
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DMP and savings advice: what to prioritise
Hello! Newbie here! To cut a long story short......due to COVID job loss and a string of unlucky life events I found myself in quite a bit of credit card debt 3 years ago. I decided to contact StepChange to start a debt management plan which has been a great relief and got me back on track. I'm now in a much more secure…
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PRA Group/ Intrum. Advice on Full and final settlement Offers.
I would be so greatful if anyone could offer me some guidence on 2 debts that have been hanging over my head since 2005. One debt to intrum £3368 & one to PRA group for £7983. According to the letters i get from these 2 creditors , The Intrum debt was for 'HFC Bank' originally, the PRA group debt was for 'Halifax/Royal…
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debt collection letter formal demand
HI I have a debt collection letter apparantly for an unpaid electric bill. It is addressed to "the homeowner" obviously dont have my details on file. Can i ignore this? i mean if they dont have my name then they couldnt register a default or even court papers since they dont have my details? is this correct or can they…
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Statute Barred Debt Settlement
Hi. Today I have received a letter from Lowell for a 10-year-old debt that from the wording suggests its Statute Barred (we will continue to contact you ...) I'm not proud of my financial past (I was young and stupid, but I want to be responsible (my 5-year plan is to get a mortgage once inflation/interest rates have…
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Debt collection letter, help needed please
This is long and I don’t know where to start as I’m quite overwhelmed but I really need to do something about my debt. Firstly please don’t judge me, I really didn’t plan for any of this and I’m just looking for a way to get my life back on track. I recently got a letter from a debt collection agency for a debt that I…
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TAX CREDITS OVERPAYMENT
I have been overpaid. tax credits by £2282. How do I go about paying this back? Will they accept £50 a month or will they want all my surplus income? Please advise....
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Help! How can I get myself out of this hole?
I'm almost 30 and one way or another I've got myself into a bit of hole of unsecured borrowing. It started off with my car and then I needed some very expensive dental work doing so financed half of it. Then my boiler needed replacing out of the blue and I had no way of paying for it, so took out a loan. I then replaced my…
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US medical bill passed onto Debt collector
Hello, cut a long story short I had to visit the ER on my holiday to the states. I received no treatment/X-rays/scans ect. A doctor literally just ‘checked’ me. I had travel insurance and after 40 minutes I was discharged and the bill was going to be sent to my travel insurance. Basically, turns out my insurance was not…
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Old CCJ 8 years old from a 15 year old debt
Hello I hope someone can help me. I have been contacted by a debt company about a debt amount of 1300 from many years ago (15 plus) . I sent the statue barred letter back and they say there was a ccj issued in 2015 (so 8 years ago). I got advice and was told to ring my local county court and ask if it’s enforceable . The…
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Charging Order monies being chased
Hello. This is my first post and hopefully I am in the right place. I had two charging orders (land registry search says Interim Orders) in 2010. These followed on from ccj for credit card debt which I buried my head in sand about at the time. House is jointly owned but debt in my name only. Have had no contact regarding…
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Old Settled Hoist Debt
I had a debt which was bought by Hoist in 2020 and I settled the debt in the same year. It was originally an RBS overdraft debt. I'm trying to contact Hoist again regarding some errors on my credit files but all the emails I send bounce back with an automated reply telling me the account has moved to Lowell and to contact…
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