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I have been offered an IVA..
Hi, earlier today after the dreaded look at my online bank account I decided to try and find some help online, I got as far as a debt help website where I entered my details and received a phone in under a minute of giving my details. The girl I spoke to was great and took down my details, how I got into debt etc and then…
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Barclays trading as Monument up to date (2022 ) contact details.
I have an old restriction on my property relating to a Monument credit card debt. Solicitors named in restriction said they no longer have any file and suggested I contact Barclays. No one I have spoken to at Barclays can help. All I want to do is pay whatever I owe so I can have restriction removed.
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Becoming debt free
Hi, we are in roughly £30000 in bebt on mostly credit cards. This has become a slow spiral of debt over the last 10 years, and the current cost of living is not helping. We desperately want to be debt free or at lease reduce our monthly payments to give us the relief to stop spending on credit cards each month. Most of our…
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Disposable income
Good evening everyone, this is a bit of a nosey question….. after all essential bills and minimum debt repayments, how much do you have left. After years of financial management I am just getting to grips with budgeting!
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What Small Things Will You Do This Week?? 17/10/22
When we start out on the DFW trail we do loads of "big stuff" that makes quite a difference to our situation. These include having our lightbulb moment, cutting up the credit cards and cancelling Sky and the gym. But once we have done the bigger stuff, we often feel that we are not making the same amount of progress, when…
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Cder group
I have cder group chasing me for pcn fines Is there any help here
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BBC debt article
https://www.bbc.co.uk/news/uk-wales-63285820 Anyone know why she didn't do a DRO? The article said she went bankrupt on CAP advice for 28k debt But we learn at the end of the article that she receives UC as well as her earnings - at that level it should not have been difficult to get her under the £75 surplus rule. Even…
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Worried about arrears and defaults on a dmp
I have 28k in debt and had my first missed payment mark on my credit file, this was due to not paying the minimum payment amout, I'm on a dmp with Stepchange and paying as much as I can, do I just wait until it defaults? Does this then get passed onto a debt agency?? Wouldn't an IVA be better, is it normal to keep paying…
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Links between financial institutions
Hi, With my oh about to default on his debts for the first time I’m wondering if there are any links between his creditors and his building society that we should be aware of, incase they try to take money out that they shouldn’t? If they can even do that.. He banks with Nationwide and owes money to Barclaycard, capital…
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Removing a charge on a property
Hi. Trying to get charge lifted on my property. It was a secured loan, since repaid and am hoping to complete on my sale if the property on 28/10. Alliance and Leicester (now Santander) say they sent necessary paperwork to the Land Registry on 6/10 to get this removed but Land Registry have no record of this. I’ve been…
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Stepchange to Self Managed - F&F Question
Hey there, I haven't been on these forums for quite some time, the last time I posted I was drowning in £34,500 worth of debt and absolutely lost. This forum got me out of that hole, and I currently have just over £6,000 to pay back. So if anyone is currently reading this and is losing sleep over their debt problems,…
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Posthumous Council Tax rebate
I have recently successfully challenged my Council Tax band so will be due some money from when I moved in. They have backdated this to 1993 and my grandmother paid the council tax from 1993 to 2014 - is her estate due a posthumous payout for the overpayment?
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Overdales Solicitors / Lowells
Any advice on what I can do in this situation please. I noticed I had a default placed on my credit record from Lowells, after I put in a dispute to the credit reference agency, I started getting letters from Lowells about a debt they say I owe. About a month ago I had court papers from Overdales Solicitors. I've put in a…
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Refinancing
Hello! I wonder if someone can help, myself and my partner are both self employed, both running limited companies and both doing well up until recently. My business is badly effected by the cost of living issue we currently face in the UK. Over the past few years I have used debt as a way of financing growth for the…
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The end is in sight for me now, never again...
Just starting to feel so good about paying off my debt, I have to say and agree with others on here, when you see that debt number decreasing over time what a feeling it gives you. Me personally, following a divorce in 2015/16 I ended up in a really stupid position, wanting everything immediately for my home whilst…
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Missed payments, defaults and credit score with DMP
I have a debt of 28k and have been on a debt management plan for a few months now, recently I had a missed payment come through on my credit report, even though I'm paying off a certain amount it wasnt enough or the minimum payment, should I ignore letters? Could I call my creditors to expand? Will this now continue and…
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Debt Management Plan Review
We are on a Debt Management Pkan and have just remortgaged. Our mortgage payments have doubled and we can afford them as we’re both self employed and earnings are actually increasing. I’m worried about the DMP now, as our income and outgoings are quite different. I’m thinking our creditors may well pick this up from our…
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Debt company has my contact number but it’s not my account
Hi please could anyone help. I am received relentless texts and calls from past due credit for a debt that is not mine. The account is in the name of a man that I know from schools. He is not relation, never been partners, never lived with him. He’s given my number and I don’t know why. Anyway I have called them in the…
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what if there is no money left for DMP???
Hi have had a DMP for almost a year and currently paying about £360pm. What is worrying me is the cost of living crisis. We have been manageing fine with the payments but our mortgage (interest only tracker) has gone up £200pm, which my wife has paid for. However if interest rates do go to 6% as predicted then that will…
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To much to deal with - help
Hello to keep it short basically I ran and built a successful ltd company recycling business until i involved friends and family, I lost that now as got depressed from life and stress , my ex partner with 3 kids together cheated on me I tried to stay for a few years but couldn’t , I met a lovely girl now and hope soon to…