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24k credit card debt - help, sanity check
Hello, I'm in dire need of a sanity check with regard to my debts, please ... I stupidly built up just under 24k in credit card debts over the last 7 years, and last year following a nasty divorce and the death of my parent I started struggling with making minimum payments. I was in denial for a while and I kept…
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Are these companies the same one?
As a silent reader here for over a year, I have taken the plunge and joined. Thanks to everyone who posts their questions and to all those who reply, you really help us silent readers. I have/had four really old credit cards. Paid these for many years, then did the usual robbing Peter to pay Paul for years and then had to…
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Huge Tax Bill - Very Naive - Need help - Struggling to keep head above water
Hello everyone, Please be kind because I know I'm terrible at finance and I don't know what to do. I just received my corporation tax bill and self assessment and I need to pay £14k by end of Jan 2025. This is just not doable in any shape or form. I'm self employed and last year I had a brilliant year! I had 7 clients and…
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PayPal Credit in default but no longer on account?
I'm helping my partner settle out some debts and his credit report shows him owing PayPal Credit but when we've logged into the account, there's no balance showing. How do we go about paying it off? I'm guessing the debt has moved to a recovery company but we have no idea who it would be.
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Help and advice regarding credit card payments
I am 64 years old and suffering ill health . When I was in well paid employment I did loads of balance transfers - I have 5 cards and my husband has 5 ( although his are manageable) . All my 0%offers disappeared - my employment has changed and all the cards are charging interest. I just manage to cover minimum payments but…
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Can’t get 0% card
Hi I want to pay my credit cards off quicker, but I’m unable to get a 0% card to transfer my balance as my card debt is over 70% of my card limit. Both me and my partner working, no other debts apart from mortgage, no missed payments, high credit score. Spoken to both credit card providers and neither will help by giving…
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Change 0% Credit Card even though over a year left?
I currently have two 0% cards I am paying off, they have about £11,000 split on both of them, but next summer when they both expire I expect to have around £6,000 left on them. I have seen MBNA have a 0% cards which runs 29 months with 2.99% fee. I am wondering if I should try to consolidate both those cards into this one…
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Talking to the bank about mortgage
I posted under another thread but told here might be better. A change in circumstance and income means mortgage payments are difficult to afford and we’ve burnt through savings. We’ve a renegotiation coming up so with higher interest rates we are worried what the total monthly amount will be as it’s already too much for…
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Overdraft called in - how does it work?
I am aware that bank overdrafts can be "called in" (pulled) at any time, so it is dangerous (and expensive) to rely on them, month in month out. What does this actually mean in reality and under what circumstances would a bank usually take this measure? (Barclays, specifically) Do they give you any notice, and do they then…
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Mis-sold Debt Between 2 Companies, That Are Now Pursuing My Client To Pay
Please note - this is a duplicate Post from another part of MSE Forums, as this location might be more appropriate for my post. ================================= I need advice/opinions on Mis-Sold Debt between 2 companies, as a result of a company admin error, that affects a third party (my Client). DETAILS: I am a…
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Took out three credit cards in two months and all are nearly to their limit already
Hi! I've gotten myself into a situation that has been bothering me and I feel quite ashamed really. Around three years ago, I went through a particularly bad patch in my life. I had a string of 'situations' that through no fault of my own led to some intensive mental health involvement and police contact. Unfortunately…
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BPO Hassle
ok Ill keep it short, i had a house which i moved out of about 3 years ago- prior to moving out i had a key meter that had been broken for three years- it stopped caring about the key and gave me free electric- i must of rang n power at least 20 times, they made tons off appointments to fix it and either did no shows or…
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I’m out of my mind with worrying about debt. Need advice
Hello, I’ve buried my head for too long because I have a son on disability and a daughter who has anxiety so don’t want to talk to them and worry them. I have just cashed my pension so have 10k but can’t spend on debts as my salary isn’t covering the bills. Worried about not paying debts in case letters and bailiffs knock…
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ACI-UK Limited
Lendable have sold debt to ACI-UK Limited anyone had any dealings with them?
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Argos Card CCA
My Argos card has defaulted at long last and have received a letter asking me to set up a payment plan with them. Anyone know if they produce CCA's if i submit a request? My account opened in 2016 or do I ride it out and see what happens next, Debt collection / Sold etc.
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Baillifs
Hi :) I was in a payment plan with Marstons and paying every month by direct debit, it was a CCJ. I've worked really hard to pay off my debt and this was the last one. Then, out of the blue, I had a baillifs calling card through my door. I called the number and asked what on earth was going on. After a short conversation…
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Final Settlement Query
Hi All, Ive found some really useful information on this forum about settlement offers for debt but wanted to ask for some help as feel like I’ve got myself confused on the wording used and want to make sure I get this right before proceeding. To briefly explain my debt history.. I have been on a DMP since 2018 with…
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Default notices started arriving - sanity check and next steps..
Hi I stopped paying my non-priority debts 2-3 months ago following the advice on this page and have my stepchange DMP calculated but haven't engaged it yet. I've recently had default notices saying I need to take action by early September from Tesco, Paypal and Halifax. Still waiting to hear from MBNA, Updraft and…
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PRA Group
Hi all, started debt free journey around 6 months ago and have just started getting defaults. Barclaycard has been sold to PRA who have just written to me this week. The account is around 13 years old. Is now the time to request the CCA or should I wait longer? TIA for advice.
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Idem
Idem are chasing me for a debt with picture Loans which they purchased, idem say they don't have the original paperwork from picture only copies, my husband died, the house was in his name only, I'm not on the land registry nor is the debt on my credit report, idem have refused to engage with the financial ombudsman, they…
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