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How to deal with SafetyNet Credit...
So like others out there, we all received the email to say: Collections for outstanding SafetyNet and Tappily loans have now ceased with effect from 9 April 2024. For any customers who still had an outstanding balance at this point, this will be marked as partially settled on their credit file to reflect that the loan was…
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Starting out getting debt free - feeling scared
Hello, I posted on someone else's thread of becoming debt free and their advice for starting out and got some great advice including starting my own thread so here goes: Due to my own stupid money management I got myself into a debt spiral where I now can't afford my monthly minimum payments even though I have a full-time…
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eBay Debt Recovery DRS Text Message £9000!
I had an eBay account a few years ago and sold a high-value piece of jewelry for around £9000. I sent the item to eBay's authenticity center (mandatory for this value), and the tracking showed it was delivered. However, eBay later claimed they never received it. After an investigation, UPS said it was delivered to a…
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Setting up a different DMP with a different company… is it possible?
Hello guys my first post here and hoping for some help. I have had a debt management plan with Stepchange for a few years now but over the last few months after doing so well I have been a bit stupid and taken out more debts after panicing about my situation, which has now have set me back and I now have more money going…
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Debt Advice - Fresh Start
Morning, I have recently gone through a seperation and am now on my own with my children. I have a couple of debts and my outgoings are more than my income due to these and I am finding it rather difficult to manage. Sleepless nights, thinking about it daily etc. Then feeling guilty as i cant provide for my children as i…
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Self-managed dmp… do I need to give my budget to lenders?
Hi all, Long-time lurker here! Lots of great advice on these threads which have helped massively on this journey. Long story short - I am 26 and £27,000 in debt as a result of bad money management through uni, trying to keep up with an unaffordable lifestyle and wanting to furnish our house exactly how I wanted it. I have…
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Debt Journey Advice - Light at the end of the tunnel
Hi After some advice. I’ve been in an awful debt situation for the last decade or so, working hard to keep my head above water and always just managing! I’ve never missed a payment on anything and the mortgage has quite a lot of equity in it. my goal is to be rid of my credit card and loan debt and I’ve come into a good…
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Crippling Debt
Hey All, Looking for some advice on the below, I'm stuck and I don't really know what to do now I'm 2 weeks away from not being able to travel to work anymore as I can't afford the fuel without having food to eat. Monthly income : 3700 currently 750 in overdraft. Debts: credit card #1 £11000 (maxed) credit card #2 £5200…
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Lowell chasing me for a debt that isn't mine
Hello everyone :blush: I thought I would post here after reading so many of your horrible experiences with "Lowell", in the hope that one of you might confirm I'm not in fact going crazy. From the outset it is important to note a couple of things: I do not have, and have never had any debt. I am a registered vulnerable…
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Is monument bank ok
Opened a notice account with Monument Bank. Twice transferred money and twice the Halifax would not do it until I spoke to their fraud squad. The money is at last in my Monument account but when I asked if Halifax would require me to speak to the fraud dept every time wanted to send money to Monument I was told it was…
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Default date | Marbles (New Day) & Cabot
Hi all, Can anybody advise if the default date enclosed within this closed dispute response from Cabot is correct, as a default being applied 17 months after the last payment seems... ropey practice at best Dear [redacted] My name is [redacted], I have investigated your dispute and I hope to help you now by providing a…
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Recent issues with Lowell - wanted some opinions
This discussion was created from comments split from: Lowell Debt - How to find the date? Without resetting the 6 year rule..
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Credit Cards and Credit Rating...what's best?
Hi, I have recently taken out a debt consolidation loan with my local credit union as I was paying 39.9% on one CC and 49.9% on another. I have paid off the CCs quite a few times in the past but always run them up again. Really keen not to do that this time so trying to work out what's best to do without harming my…
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DRO
After debt advice I am considering a DRO which I was hoping to apply for once I have stopped paying my creditors and all have defaulted which I know takes time, however I owe £2000 to a family member and understandably they would like it back. The only way I could do this is to do a money transfer from one of my credit…
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eBay Debt Recovery DRS Text Message
I had an eBay account a few years ago and sold a high-value piece of jewelry for around £9000. I sent the item to eBay's authenticity center (mandatory for this value), and the tracking showed it was delivered. However, eBay later claimed they never received it. After an investigation, UPS said it was delivered to a…
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credit card debt
Hello guys, I am a long suffering citizen and have been since the bank bailout. I took out several credit cards 2 years ago because I had 2 daughters getting married. I do not regret the expenditure that brought memories. I am finding it difficult to service several cards with £7,000 of debt. I think I saw a message…
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The start of default road
Hello, I have now entered default with one of two CC’s that I hold (MBNA) the other being Barclaycard which has not yet defaulted. I have had a scout through this thread and seeking some advice on how to take my next steps and things to avoid doing. I read about people going self managed which sound better and to take the…
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Debt we don't know about? Is it even ours?
Hi My husband has today received a letter from Intrum saying that he owes more than £9000 and he has 'failed' to contact them. He's not taken out any financial products for around 15 years, so if it is relating to anything from before that time, it will be statute barred. He wants to phone them to find out what it's about,…
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Bristow and Sutor taken money from my credit card without my knowledge
I recently made enquiries of debt consolidation through clear score. I never signed up to anything or gave my card details out at all. Today I noticed that £400 has been taken from my credit card (the one where I have credit left)! I have reported this as fraud to my bank and will get a refund but just wanted to warn you…
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Mortgage or Student Loan
I could do with some advice on what I should pay down first. On paper it looks fairly clear but actually the renewal date on my mortgage is the thing that is making me so indecisive. I have recently come in to a lump sum so want to put it towards one of these from getting rid of my car (nowhere near pay one off in full).…
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