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How to manage clearing our debt
So hopefully nearly at the end of our debt story…but need advice. been with stepchange 10 years ….8 to go. We owe 26k . We are in a much better situation with our mortgage now paid off. Our income is less than our last annual review But obviously we have no mortgage now🥳 therefore more money left over each month. we have…
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Paying off secured loan
Hi, I currently have a secured loan with Barclays Finance where I am paying quite a chunk per month, the secured loan is due to finish in 2026 when it will be fully paid. I am currently trying to find ways to reduce my monthly outgoings as I have other debts which I need to clear and have taken action with these. My salary…
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Old debt - advice
My husband has received a letter from a solicitor- Nolan’s- requesting payment of an old loan that had defaulted 5 years ago. We don’t recall getting any letters before this - this letter is quite forceful stating if we don’t pay (£12,000) within 7 days they will issue a decree which will last 20years! The previous week my…
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Help with Settlement of Debts!!
Hi My current Debts. All debts passed 6years on Oct 2023. Mortgage in India -£14000 ( interest bearing 11%- So currently focusing paying this one) Below debts are on TPP. HSBC : £8152 Defaulted in Oct 2017 ( Not paying anything since Feb 2023 - No interest ) ( HSBC claims this is closed, but on my credit report is still…
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Helping someone in financial trouble
Hi all, I'm trying to find a way of helping someone with nearly £8k on credit cards with approx 30% interest and very much paying off the interest all the time which is £300 or so a month. My own personal credit rating is good and I am eligible for good cards and loans but I don't want to jeopardise my own situation and…
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CCJ help please
I recently found out on a credit check that I have a CCJ from during the covid pandemic that I knew nothing about. I have spoken to step change and the citizens advice and have paid to find the case number etc. I now need to find the creditor as I have no idea who it would be. I have been told to call or email. I have…
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Moorcroft vs PayPal - who should I be paying?
Until recently I was on a DMP with StepChange but ended up voluntarily after advice on here. I'm now sorting out my payments with providers myself and it's mostly going smoothly. However, I've come across one major issue. I was in debt to PayPal Credit but this seemed to have been passed over to Moorcroft Debt Recovery.…
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credit files
I have accessed all four credit files via check my file . All the information is correct . 2 CJ BOTH fall off my file next year last in june, 6 defaults come off 2028. I have no desire to access credit again My home is secure will not be looking to buy/rent anything .I do and have started a saving pot for emergencies ie…
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Multiple Lowell Accounts - F&F Offers
Hi, I have 6 account with Lowell. All defaulted around the beginning of 2020. I want to make F&F offers and have downloaded the template sheet. Should I send one letter with a low ball offer on the total for the 6 balances or should I send 6 individual letters for each account? What is everyone’s experiences with Lowell…
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Prac/bwlegal & british gas
Hi all, Has anyone been contacted about outstanding money owed on a british gas bill for the years 2017, I was already paying another energy supplier for that year. I havn't had a British Gas account for over 20 years. So I know this is a scam. How can we stop these parasites from praying on us.
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Default Notice - Help!!!
I'm panicking as I'm finding very conflicting definitions of this online! Basically I took out a new car insurance policy with 1st central which I paid in full. For whatever reason when using the comparison site, it hadn't registered a claim I'd had and the annual milage was incorrect. 1st central then sent me an email on…
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How to pay!!!
I am negotiating with Lowell and Lantern and UK search how do I pay or how do people suggest? I've been told NOT to set up a DD as that can be changed by them, My bank says a SO cannot be altered, I am being asked to register and create an account online and I can make payments online by debit card, can and would they take…
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Success
I just wanted to say a huge thank you to all the resourceful help this website gives i had very old debts mostly of 20 + years and thanks to advice given on here and how to go about sorting it out, they are all closed even a CCJ I am not saying it’s good to ‘not pay’ they were very old debts which had been purchased…
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credit files recieved two court judgments and 7 adverse credit ie defaults
Start 2 cj come off file Jan, July 2024 both being paid both finish march 2024 as such some light at the end of the tunnel. Next defaults one is for Lantern debt company, however, the same debt was defaulted by the original company, and Lantern is collecting and currently negotiating a payment plan how can I have two…
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CCA request update
got 2 updates this morn in post, one is tesco bank ( for my tesco credit card debt) which returned £1 cheque stating it is no longer needed when doing a request, that is all they wrote. the other is moorcroft debt recovery, for one of my RBS debts( rbs credit card), they returned my £1 as well, stating not needed, and said…
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Email addresses for debt respite scheme letters especially MBNA
I'm trying to help my son with debts he has run up during a three month period of deep depression. He has entered a breathing space moratorium under the debt respite scheme and needs to send DRS letters to his creditors asap, as he is still being bombarded with texts and calls, which are making his depression worse. He…
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App/website for budgeting
Hi all Can anyone recommend an app or website (preferably free) for budgeting please? I have no clue about spreadsheets and have been doing it on paper for a few months, but it's doibg my head in as I get my pension on the last working day of every month but my part time job pays me every four weeks. Thank you
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Moriarty Law/Thames Water
Hope this is the right place as ever! I recently posted regarding ML chasing me for a debt which didn’t make sense. It was for Thames Water which didn’t make a ton of sense as it was from after I’d left the property. They’ve now came back to me with all details from TW saying it is running up to Feb 2019 (id left the…
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Richburns debt collections
This discussion was created from comments split from: Ombudsman Services verdict favouring me, still utility company harassing me! What steps to take?.
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Deceased Husbands Debts.
Hello, I posted this question on another board and have been advised to post again here and maybe seek advise from "Sourcrates". I am the sole beneficiary to my husbands estate and the executor. He has left 2 debts totaling to maybe £10000. I have been granted probate and the estate is only made up of the house we are…
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