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ACI prove it
Hello, I have had some letters from ACI regarding a MYJAR account I have no knowledge of. I send them the prove it letter end of last week and today had an email stating: -------------------------------- Thank
you for your recent email. We purchase all balances in good faith that they are outstanding, undisputed
and…
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Debt Repayment
I currently have an overpayment of Housing Benefit of £8000 which i am paying off at £11 per week. My family have offered to help and we are thinking of offering a one off payment of half, £4000 as full and final settlement. Has anyone done this with their local council or any other debt?
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Dwp threatening letter?
I owe £149 to dwp for overpaid benefits. We agreed payment plan at least a year ago £10 a month iv now had three letters from them over last year asking me to call them to increase my repayments. Each time I return the letter with a note stating £10 is what we agreed and £10 is what il pay. Can they make me pay more?
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Getting in front of the spiral
So, I’ve about 20k debt in credit cards thanks to trying and failing to use 0% balance transfers and the interest is starting to starting to bite and the payments are taking up a lot of my income I want to work and get in front of it all, I reach out to PayPlan and they said because I can make the minimums with money to…
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OMG do I need some help here
I have reached a point where I do not trust a soul to give me the best advice for my situation. I have spent last 3 years coming up with options, speaking to multiple advisers, but I am now at a total loss. Here goes, my situation is very complex, it involves a disputed divorce settlement; a business liquidation; multiple…
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Does Council Need to give a reason for bill change?
After receiving several bills from our council this year the amount has now increased dramatically but no reason has been given to me despite me asking. I've telephoned and emailed but get no reply. I'm asking for someone to explain the increase - is that too much to expect?
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Help and advice for coming off a DMP
I've struggled with debt for about 10 years now and successfully went through a DMP with StepChange that saw me pay off loans and credit cards but feel straight back into the trap of taking on more debt (credit cards) that clearly I just can't use responsibly. So, feeling very ashamed of myself I went back to StepChange…
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Clearing Very debt
Hi, Anyone have any advice on clearing Very debt? The interest rate is 54.9% per annum, I’m meeting the monthly minimum repayments but I’d struggle to pay anymore than that. I’ve contacted them to see if there’s any way the interest can be reduced, would there be any way I could do a 0% balance transfer at all it might be…
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Help with debt
Hi, I’m in need of some help with how to reduce my debt and outgoings, I completed the form I have seen on other threads, however it won’t let me format for MSE for some reason? It just comes up saying “ The following section(s) contain non-numeric data which must be corrected before formatting your results, Assets. Use…
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DMP question on potential worse situation if DMP doesn't work out
I've been struggling with a 30k debt (2x CC's and loan) which I recognised and have tried to tackle on my own over the past year, the debt hasn't grown in that time but it has not reduced either because I earn almost exactly what my regular outgoings are and life just doesn't allow for a perfect month of zero spends when I…
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Un-served claim form
I've used MCOL to file a joint judgment against both an individual and his Ltd co.I know that this individual lives at the address that I've given to MCOL because I've previously submitted a claim against his company, but omitted the "Ltd" part, therefore the HCEO said that this was a "non-legal entity". I found his…
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Debt Advice
Hi there, Hoping anyone can help me as I've tried asking CAB amongst others and they all just refer me to someone else... I have some debts that I'm trying to work out how to consolidate to null some of the interest I am currently paying :/ I currently have: £1550 on a credit card and £2726.51 in a loan that I need to pay…
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Balance transfer CC or build up credit score for re-mortgage?
Hi everyone I am tempted to get a pre-approved credit card 0% balance transfer 18 months, which will cover all my other cards debt and will save me £100/month of interest. However. My mortgage deal is coming to an end in 5 months and will increase of about £200/month. My question is simple: should I get the card and save…
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Lowell finance
Discussing in other thread **Feel free to delete post**
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Email from AIC. Help please
I recently wrote to AIC with a CCA request on a old Natwest Loan. I have received an email from them requesting the following:a. Your full name. b. Your last 3 digits of your postcode. c. Your year of birth. d. You agree to communicate with Allied International Credit (UK) Ltd via email I am not 100% sure how they got my…
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Reduced Settlement Offers
Hi guys, posted here a lot as worried. I have £24K in debt, 1 is nearing court, the rest no action yet. With the rest, I have been getting "offers" that drastically reduce the debt if I pay now. Can I ask, are these worth going for? I cannot afford to pay, but if we arrange a reduced amount with monthly installments, is it…
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Debt help
HI, I’ve been with step change a few months and have about 4,700 pounds in different credit card debts and catalogues. I hadn’t included my overdraft into this plan and now I am worried after this time if they will let me add this into the plan. I’m worried about contacting them incase they stop the plan etc I am just…
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CCJ Dilemma - Please offer your advice
Dear Money Saving Experts, I am writing to you to ask for assistance and advice as I have found myself in a bit of an unfortunate situation. Long story, short. A couple of years ago, I was pushed out of a business I had co-founded with my ex-partner (legal dispute is still on-going). I found myself in a very difficult…
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Banksters are after me...
Hi all, brand new to this whole debt-busting lark, but I've been told you are the people to see. I've been lurking around some of the boards this last week or so and its done a great deal to assuage some of my fears. I feel I'm in a pretty good place to tackle this beasty, but I need a bit of sage advice on the best way to…
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Credit card debt
Hi I'm after some advice please to enable me to help a situation involving my dad and credit card debt. In a nut shell, due to ill health for 4 months of last year plus recovery, he has managed to total up £22,000 in credit card dept. I believe this was due to only making minimum payments and not statement balances. Whats…
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