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AMEX and defaults in self managed DMP
Just posting here to see if anyone had experience as to how quickly AMEX default? 2 payments have been missed and the interest is climbing rapidly so keen to know if anyone had experience of this? Many thanks
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Default Date Wrong but
Hi everyone, So, back in 2019 I took out 2 mobile phones with Sky Mobile, I had TV with them also. Now our Child sadly passed two weeks after her 18th unprepared for the costs of this etc I basically had to raise £5k and this meant bills stopped getting paid, the last payment was in April 2019 for the mobile, after a…
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First phone call from creditor
Hi Decided to do my own dmp with the advice off here, stopped making payments a couple of weeks ago to my debts. Just received my first phone call from Marks and Spencer credit card, assuming they are wondering why I've not paid this month's bill. I didn't answer, I could do with a stiff drink to get me through all this.…
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Lowell Conundrum
Hi all, I'm on a DMP through Stepchange & have been since 2019, two of the debts on that DMP were through Creation (Loan & Credit card), which were sold on to Lowell in March 2020. The loan had a default date of 3/20 but the credit card never had a default listed on it despite being sold on to Lowell - I In 2022 I sought…
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Lowell Letter
Good afternoon all, I've recently had a text off Lowell saying they want to contact me, calling up but giving them not even my name the lady couldn't tell me what they wanted to talk about (obviously.) I just wanted to know what Lowells was. fast forward to 3 days ago, I've received a letter (to my new address that I've…
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My DMP journey has begun
After weeks of worry, I have done it - stopped all payments to start my DMP. I don't feel calm as such, but I feel I have more of a plan. I'm scared about creditors visiting my property, being hounded, doing this all by myself and not using a debt management company, but I know I can come back here for advice. My basic…
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Advised to DMP
Ive been in contact with stepchange who have advised DMP. None of my debts have defaulted - I have just missed my first payment I panicked with Stepchange and asked for breathing space (expires on 4th August). Stepchange are asking for further details such as wage slip with address etc...so has not been setup on DMP with…
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New here, desperate to get out of debt
Hello, I have been reading these forums for a couple of months now, and have been so inspired by other people's stories. I am finally taking the plunge and starting a thread of my own and would be so grateful for any help/advice anyone can offer. A little bit about me: 32 years old Moved out of home when I was 19 and moved…
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Can I remove this CCJ?
I have a
County Court Judgement entered against me. The judgement was made on 9th December 2024. The total amount is £700 plus interest of £370. It relates to
a debt claimed by Southern Water regarding unpaid charges from 27/2/15 to 1/7/18. My wife and I did not move to the property
until 23/1/17. I separated from my…
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The Legal companies taking on Debts
I managed to achieve being debt-free after many years, many debts and a court case in which I was ultimately successful (all thanks to the brilliant solicitors I had on my side) I wish all those striving to be debt-free the same success that I have been fortunate to achieve. Apologies for this thread being perhaps a little…
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Small claims
My ex husband won in July due to bully boy tactics as the judge wrote on the order. I paid the amount in 3 instalments. The judge didn't award all of his claim due to not signing a document so couldn't use as evidence. Blow me down October I recieved another claim from him for the remaining amount the judge didn't order.…
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CCJ payments & expiry
Hi, I'm hoping someone can help as I can't find a definitive answer. I currently have a CCJ that will expire from my credit report in the summer after 6 years. I'm making payments to it and have a agreement in place (direct with the agent, not via court order) that will clear it off in a few years time. What standing is…
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PRA BC CCA
Hi all, I have posted about this previously but haven't received an answer about whether the reconstituted CCA BC have provided for PRA makes the debt enforceable or not. My account is on hold for another couple of days so I am eager to try and get some more advice on this. It may be that others just can't tell me whether…
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Default and Sold Debt While on DMP
Hi, hopefully this is the right place for this. To give some context before I get onto my questions - I've been on a DMP via step change since May 2022 and have made the agreed payments on time every month. The DMP covers 4 credit cards, all of which have been receiving at least one percent of the balance each month…
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Lowell debt help please
This discussion was created from comments split from: Lowell Do I still need to keep paying them for old debt.
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Irresponsible lending
Evening, just seen this post on a different forum. An interesting one that has caused some debate. The OP has been advised to post on here. Here is the post- Hi, Ive just discovered that mum is in a bit of a mess! She’s 75, widowed 2 years ago and for the first time is having to manage her finances. ( dad always did it) in…
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Dad living in debt due to inheritance fraud and heart failure diagnosis
My grandmother died around ten years ago to which my dad received some inheritance. We are unsure how much but know a decent amount (maybe £25k) was lost due to fraud at some point in this ten years; he's a proud man and not willing to let his children help him recover it. Now due to a recent heart failure diagnosis he is…
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Irresponsible lending?
Not sure if am allowed to post more than 1 thread so please delete if not... I have just posted my SOA on a another thread, outlining our awful position. Last year I was approved for a credit card with a 10K limit - mainstream lender. This was a shock as at the time I was not doing well financially - some missed payments…
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Debt repayments and (Scottish adult disability payment) PIP in Scotland
Hi Can anyone advise whether this is correct or not. I receive adult disability payment to cover my needs due to my disability. Am i correct in thinking that i add this to my income, but then show it as expenditure to cover my adult care costs? Thanks in advance.
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Submitting Budget & Payment Offers via letter or Credito
I’m new to all this and working on sending my budget and offers of payment. Speaking to my creditors, several of them seem to want me to submit my income and expenses via their own forms or in one case via their app. What’s the best thing to do - I really just wanted to send out identical paperwork to all creditors in one…
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