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Letter Received from DCBL
I'll start at the beginning. We moved into our current house in January 2022 We have, this morning, received a letter addressed to an unknown person from DCBL regarding approx £2k of parking charges which were mostly dating back to early March 2020 (pre-pandemic). The location was a city in England a long long way from…
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DMP 9k owed - Need help
Hi all, I am currently on a debt management plan, I'm 29. My financial situation has occurred due to being stupid with money but also due to some unfortunate circumstances beyond my control. My personal situation is that I'm not in a relationship, I don't have any family members who I can rely on/answer my calls and my…
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Debt over 6 years but Cabot saying not statute barred.
Hi I sent a statute barred letter to Cabot financial for a debt that was well over 6 years but they have continued to hound me by letter and even telephoning my parents who I no longer live with. I have had a reply today and one part says: ‘Legal proceedings were then initiated on 8 July 2015 under the reference xx (they…
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How do you know if debt has been sold?
Apologies, this has probably been asked before but can't find the answer on the DMP thread. How do you work out if a defaulted debt has been passed to a collector or has been sold? Thanks!
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Owe 6k to Amex - Can't pay - Please help!
I made the mistake of getting an Amex, started off being able to make the payments and then things took a turn for the worse. I currently have around 6k credit card debt with them and have ignored all communication as I simply can't pay and am clueless as to what to do. It seems they've passed on the debt to a solicitor…
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" Resolvecall " Is this legitimate ?
Just got an SMS from ResolveCall saying something about " your account has been passed to us for a home visit, to prevent please visit xxxx " Should I Log in and check this out ? I have no loans or borrowed money at all.,
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Best way to pay off remaining debt
Hi , I had total debts of £13,000 across five credit cards I have got this down to : Santander £700 standard interest Barclaycard £5000 % interest fee for one year I don’t want to pay any interest My plan is to transfer both to an interest free balance transfer card and pay them off for as long as I can get interest free…
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Advice
Hi, I'm not sure if i am writing in the correct section, but i have around £3-5k of debt. I have tried to get a lump loan of £5k to pay of the debts and then ill only owe the lender but as my credit rating is low (due to my younger days) i am unable to obtain any loan or get a credit card. I have tried everything. I am a…
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Is it too late to send a CPR 31.14 after recieving a directions questionaire from County Court?
Lowell have submitted a claim against me for a debt that defaulted 10+ years ago and I have never made payments or contact to any collections attempts so it is statute barred. I submitted my defence thinking that would be the end of it, but now I've received the directions questionnaire and I'm concerned the burden might…
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Timeline for Self Managed DMP
Good afternoon again… I have another question. This time regarding the timeline
of preparing for a self-managed DMP. Am I correct in my thinking that the steps for me to commence
a self-managed DMP are: 1. Stop
paying my creditors – cancel all DD’s (save for an emergency fund) 2. Ignore
phone calls, letters and emails from…
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Debt passed to debt collectors
Hi eggbox, Its been many years since i last visited. Ive been informed by hsbc that they have sold debt to mfpd ltd This is in relation to a type k restriction. Restons still control the account. Ivehad many years free of wirry and hassle. Hiw does this new development affect me? Thanks
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Threats from Cabot over 10 year old debt
I defaulted on a number of accounts 10 years ago and am still paying these off. One of the debts was bought by Cabot. I have never missed a payment. This week they sent an agent to my house to try to persuade me to up my payments and have threatened me by saying that if I don’t they will put this on my credit file. Can…
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Charging order? The myth
Does this thread still exist. Can anyone give details how to contact eggbox?
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Resolvecall and unknown debt
Letter received a week ago ( in my maiden name ) for a debt for £2900 I don't know about. It's not on my credit file and my maiden name is linked to my credit file. Is there a way of seeing ALL historic debts? Anyway they also snuck a card through my door today saying they had called. I was sat looking at the door when…
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DMP Journey - Posisble spanner in works
I started my DMP last Autumn after reading numerous threads on here (which proved extremely helpful). It’s all going well and on the road to being debt free in a few years. However, there could be a potential spanner in the works and hence my new post. I’m a guarantor for my niece on her rented property. The contract…
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Salad money court threat.
Hi has anyone had a salad money loan? I have missed payments and now that have said they may take me to court? They haven’t gone through a debt collector agency yet, should they go through a debt collector agency first before court?
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Income and expenditure
I have been referred to Money Wellness by Step change to look at DRO or bankruptcy. I am in a deficit on the income and expenditure but when going through the expenditure it is coming out I am in a surplus with Money Wellness. They said it is because of my childcare costs. My average childcare cost is £400. Some months…
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In quite a bit of debt, advice needed!
Hi guys, So my situation is as follows: In my early 30s. I am in around £40k worth of debt. This debt is a mix of personal loans and credit cards. This main chunk of this debt was caused from a medical incident abroad which I got a £20k loan to cover. I've never missed a payment on anything in my life, but this large loan…
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IVA Completion Certificate Time Limit
Hi. My IVA is the type where I offered a one-off lump sum & it was agreed by my creditors. This was 5/4/24. I paid my money straight away (to PayPlan). I contacted them today, re my completion certificate, as the 3 months completion period is almost up. Apparently one of my creditors hasn’t returned their paperwork yet and…
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DMP - Different default dates
Another question. My apologies. When I discontinue paying creditors, I understand I do nothing by way of engaging with them until the accounts are defaulted. What happens in the situation whereby some default after say, 3 months and others don't? Thank you again for your very valued advice.
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