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Query on how defaults are recorded
Hi, I wonder if anyone can assist. A friend is trying to get on the property ladder but is plagued by defaults on her credit history. The debt has been paid in full. It arose due to non payment of a Tesco mobile phone bill. This was then passed to Lowell. Her Experian record shows three defaults. When she queried this, she…
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Capquest Settlement Offer
Just some advise On the 3rd July23 I sent a letter requesting a copy of the CCA, only contact I have had was a letter sending back the £1.00 cheque saying they do not charge for this. Today I have received a letter offering me a settlement figure but I need to log onto a portal to view this. 1. Should I ignore and wait to…
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Cabot CCJ
Hi I've received a letter from the courts from Cabot the particulars of the claim state the credit card was started 11/08/2015. It says a default notice was served without a date, checking my credit score via clear score the debt has been added but the history shows no data since the start of 2017. Would this debt be…
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Best way to default before DMP?
Have moved over to diaries but starting new thread for traffic purposes. All but confirmed DMP with payplan (DH). 5 CCs to 5 lenders Payplan have advised to move bank account before starting DMP Is it best to take all the money out of current account (move to new one) and let the CC payments default that way when there is…
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Help! Car insurance wants money back for total loss made
I received a total loss payment in march and then another one in mid may The one in may resulted in a £1.8k payment They said it's my final payment with the claim, ref number I received a email today saying the may payment was made incorrectly and they are looking for their money back by the end of August otherwise they…
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Where can I sit down and talk to someone and get advice?
Hi, I am in quite a bit of debt with a loan and credit card. I don't think I am at a level which requires an IVA or something along those lines but it will get to that level if I don't do something about it. I find interest rates, APR, moving credit balance to another and everything like that extremely confusing and I need…
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Sent Debt Proof letter but it was ignored, now ive been passed to collector.
Hello All, I sent a debt proof letter to people acting on behalf of AMEX (AIC) who I think ignored it (I have proof of delivery) and I've now been passed to NCO Europe for collection. Should they have sent it for collection? Do I have any recourse against them (AMEX or AIC)? Many Thanks in advance.
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Letter of Claim from Howard Cohen and Co Solicitors
Hi all I desperately need your help and advice as I believe this is only beginning of my problems :( I have just received a Letter of Claim dated 30.09.2020 from Cohen Howard & Co Solicitors advising that they were acting for their client, Hoist Finance UK Holding 3 LTD (ex Barclaycard) who intend to issue proceedings in…
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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 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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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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