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PRA Group - How to respond?
Hi, I received the attached text from PRA Group. After quick search I realise they are a debt agency. But this is the first I have heard about it as I have no debts (that I am aware of!!) Another thing to point out is that I received this not on my main mobile number that I have used for years, but on an O2 PAYG mobile…
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Any advice, got credit cards, loans, and more.
I'm not sure this is the right category for me as my situation would happily fit into 3 (or maybe more) categories. My situation is a little difficult in the short term and is definitely unsustainable as is, but it's also potentially changing fairly quickly. I'm looking for advice any sensible actions I could take to cut…
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Credit Card Arrears Scotland. Lender Wants Me to Fill Out Their Budget Planner.
I have built up approximately £14400 of debt spread over 4 credit cards, and an overdraft. In the past year I started struggling to pay the credit cards, and stopped paying them roughly 4 to 5 months ago. I am coming to the end of the ‘breathing space’ arrangements for the cards, and now have to setup some sort of payment…
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Handy guide to choosing a debt solution.
here is the Christians Against Poverty quick pros and cons to various debt solutions. ( zoom in) note the DRO fee is now free and the limit now £50000 and vehicle limit now £4000 thought this might be useful as a sticky
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Gambling and Debt Management.
Hi all. Long story short. I have had a gambling problem for many many years. Previously never borrowed to gamble and always paid my bills. However recently I have made a mess. Current debts £36k personal loans. One loans provided by current account provider that was aware I had a gambling problem for months and years prior…
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End of my tether
Hi all. I’m really struggling with my debt that is spiralling out of control. I’ve had issues with gambling in the past but am resolving this. I have 4 credit cards and a loan of £9k totalling around £23k. I’m also going through a divorce where I will be getting some equity but when is another question. I just get paid and…
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Trapped in Credit Card Debt
I have a debt of £12,250 across 3 credit cards. The interest and payments on them are killing me and then I have to use them again to cover costs I can’t pay so I’m in a vortex that never lessens. I checked my credit score here which is very poor and I have 0% chance of switching cards. I’m desperate. What can I do? I…
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No option to balance transfer
Hi I have about £8500 on credit cards, I desperately want to change to 0% balance transfer as I'm only making minimum payments and the intrest is just 🤯 however due to poor credit history no one is able to offer it to me. What's the next step .. do I try and pay off the highest Aprs first? Or do I pay off the smaller cards…
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Always on the back foot
Hello! I feel as though I'm in a never ending rutt and could do with some advice! My relationship with money has never been great and I am so desperate to make money work for me, rather than feeling as tho I am constantly chasing it! A bit of background: I live in a rented, 2 bed house in Kent (which I mention only because…
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Aci/my jar
Was wondering if anyone could give me any advice about a loan I took out with my jar, years ago, I'm being hounded by ACI for payment of £1212.40, I don't think the loan was as much as that, its saying that my account will be referred to TM Legal to commence legal proceedings against me or a home visit to verify it's me or…
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Advice regarding saving for a Mortgage whilst on DMP
Hello It's been more than 6 years since I started my DMP and my credit file now looks better. I managed to get some of my debt cleared too via a Partial Settlement using money gifted to me with some of my creditors but PRA Grp wouldn't accept, so I still have 7K of debt with them. I recently moved in with my partner and we…
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£127k of Unsecured debt
Hello, been following this for a while, and have numerous accounts that have stopped paying since end of January looking for accounts to default. Sadly the title is not a typo either. No defaults are on credit file yet, two notices of default have been sent for accounts with Natwest. Today I got a letter for each account,…
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Urgent agents say coming today
Hello, I’ve posted before and am managing my debts on my own debt management plan. I have a few loan debts and I sent my first F&F offer last week (yet to hear back). This morning I awoke to the message below which is to do with a debt I haven’t even been told has gone into default yet! I’ve rung the number on the text and…
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Voting address
Pardon me as I attempt to word this correctly. I stay in a four in a block. On my credit check it regularly tells me that im not on electoral roll but i recently voted however the address is different. For the purposes of internet stalkers i stay at 18a and always use my address as 18a but on some, like register of…
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Debt advice needed please!
Hi all, Appreciate there are hundreds of these threads kicking about but didn’t want to hijack. My wife and I are both in debt, collectively and individually, and after many months spent worrying and working things out, we decided, after reading this forum, to do what many others have and stop paying with the eventual aim…
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Taking Back Control
Hello everyone, I have just signed up here after finally making the decision that I can't continue the way I have been. I invested quite a lot in courses which ran up my credit cards and now I have a total of 10,500 owing. With my rent increase and fewer hours of work there has been an impact on me as I am left with…
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DMP or IVA?
Hi, So long story short I've stupidly racked up a chunk of debt on various things. I'm married but my partner does not work due to her English not being good enough just yet (This will change) and I have a step son but due to their immigration status we have no access to public funds, basically my salary is all we get.We…
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If I can do it - YOU can do it!
Back in about 2004, I joined this forum to try and deal with my debt problems. At the time, I never EVER thought that I would be able to sort myself out. It was depressing and it was almost all consuming. I had a job that wasn't paying well and my outgoings were pretty much all of my income. I would read the odd post in…
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Lowell chasing after 8 years
Hi All experts, I’m really worried about this situation and need some expert advice. My scenario is little different. I was in UK from 2010 Aug till 2015 Nov. Due
to some personal reasons, I didn’t renew my visa and relocated from UK in 2015
Nov. I had a Barclays credit card and when I was leaving UK, I was having…
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Emergency
Hi all, So I have been in debt for some time and doing my best to overcome it. However the last two months have been tricky, my Dad passed away and I had a lot of expenses before he died, then to top it off my son locked us in the house and I had to change the lock via an emergency lock smith which cost me £750. So the…
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