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Leaving the country owing money?
Hey guys, Asking on behalf of a family member as unsure what to do. So one of my cousins may be in a sticky situation. He has recently moved to Canada on working visa for 3 years I believe..but strong chance he will remain on permanent residency. He paid off most of his debt here to the tune of about £12000 from personal…
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How to deal with CCJ
I've recently been made aware of a CCJ against me due to a search on my credit file after declined credit. The CCJ was sent to an old address for unpaid ground rent on a property I rent. I thought I had notified the owner of the freehold of my change in correspondence address, however it turns out that I have informed the…
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Dealing with PRA
hi everyone I posted a while ago about going self managed withmy DMP and was advised here to ask them to write off my debts. I wrote to them and did this in May but hadn't heard anything from them so I emailed them last week to ask again. They have now replied saying that because they have never had contact with my vis…
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Dirty DC Tricks
Hello please advise on this... Credit Card debt was put on an interest free plan by the bank who later made some kind of an arrangement with a finance company who subsequently sold the debt to a DCA. I received notification of this from the original creditor back in September 2022. Since that time I have not paid anything…
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What should I repay first?
I have a current mortgage of only £22,000 remaining at a cost of £219 per month. I also have a loan of around £6,500 costing £200 per month and two credit cards of about £4,000 each (one costing £250 per month as it is in arrears and the other costing approx £100 per month but decreasing). I am due to receive approx…
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Worried things are going to get very tricky!
Hi everyone! Having read through these forums for a long time, I know one of you may be able to help give some guidance. Firstly, for context, the SOA breakdown is solely my income and expenditure. I am married and my partner and I split the bills including groceries. The IOU to my partner is for a loan he took out to pay…
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CCJ Set aside?
Hello, I have a CCJ on my file that was issued in 2019 and this was for around £1000. I did not know about this CCJ, as I had moved houses and it wasn't until doing a credit check I discovered this, once I realised this (two addresses later), I paid off this judgement. I have read mixed things online, about if I can have…
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Possible Scam Email
I’ve just revived a very odd email which to me doesn’t look right but when it comes to my debts I panic. I do have outstanding debt but this is being dealt with. Has anyone else received the below: This is Calvin from the Credit Investigation Department. Hope you are doing well. I just would like to tell you that we have…
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Credit file entries
I paid off my Barclaycard on 21st June from my retirement lump sum and also paid off my car loan on 21st July. They are still showing on my credit file with balances, how long does it take for credit file to update to show they are now clear. Also I have an intrum balance on there which is not enforceable as they cannot…
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Help with job and ccj
Hey people, I really need some professional advice. I have been offered a job at a Fintech conditional of background checks. It is a job in the commercial department with no financial responsibilities. There are several checks but the one that worries me is the credit check. I was issued a ccj 3 years back due to not being…
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DPP or DMP
Hi all, I am in Scotland. Awaiting defaults and looking to start a DMP or DPP. I appreciate the DPP will give protection but I find a formal plan scarier than an informal plan..can I ask for thoughts on this please? I am a home owner (mortgage) Does the protection of the DPP make it a better option? Thankyou
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Advice needed - DMP
It's taken a lot to build myself up to do this so hopefully I get everything across ok .. I've had debt problems for a while, was starting to get a grip on it when I finally started a new job after being unemployed for 8 years, but then...I messed everything up. I had emergency surgery last January and was told I would die…
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pay credit cards or debt collectors first?
Hi all, Im looking for some advice, I have got £7k worth of credit card debts which im managing to pay off, but i also have have £1200 worth of debts with a debt collecting agency. I have a payment arrangement with them to which im paying and am up to date, but every month they are registering a default on my credit file,…
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Query re: expired default
I have a default which expired back in May after 6 years. I was on a payment plan for it but voluntary not CCJ etc. The original default doesn’t show on any of my credit files now. Once this expired it was my understanding I was under no obligation to repay any money as the time frame passed. I checked my account with…
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DMP exhaustion
Hello all, just after some advice really as becoming drained and exhausted with dmp. Basically I amassed £35k worth of debt back in 2019 on credit cards from living beyond my means after divorce. I have been in a DMP with Stepchange since then and have managed to get the balance down to £16.5k however my monthly payment…
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ELI5: DMP Self-Managed
Hey wise ones, *For context, I am in Scotland* Please help me understand the process of starting to manage debt yourself. I was actually advised to take a debt payment plan (DPP/DAS) by Business Debtline. I called Stepchange and went through the whole rigmarole of appointments/budgets again only to be told three weeks…
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Paypal Credit Postal Address?
I require this in order to send off a DMHEF. Thanks
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Son's debt and how to help him
Hi - I really need some advice having sat up since 3am worrying silly about my son. He was 18 last year and on Monday me and his Dad discovered he has over £20k worth of credit card debt. I have known for a few months that something was wrong but he completely denied it to my face, and sadly I have had to invade his…
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Paypal Credit Debt
Hi, I have a Paypal credit account which has fallen into arrears over the past 6 months the total balance is £1294 (670 of this is made up of charges and interest). At the moment I can only afford to make payments of potentially £50 per month but I cannot seem to speak to the correct person to ask about this. Every month…
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What happens if creditor is my employer
I want to start a DMP but one of my creditors is a large credit card company and also my employer..although I don’t work in this department…I have been trying to keep up the repayments on this card for fear of jeopardising my employment but the interest is killing me. Can you please advise what the repercussions may be of…
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