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Moving DMP provider and the gap between payments.
Hi, In November of last year, sadly before finding this forum, I took out a DMP with a company who charge a £50 monthly fee. They have been helpful, but since understanding I could have set one up for free, I'd want for that fee to go toward my debt. Whilst arranging a DMP has been the best thing I've done for myself, I…
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Looking for some help with my DMP
I've just received news that I might be in line for a new job role which has quite a decent pay rise along with it, which is a massive release considering I've been struggling for so long ! I have a DMP with PayPal plus, I have 4 creditors with debts I will post below in images, these creditors have sent me settlement…
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Incorrectly applied CCJ
Im in the process of clearing up some old debts/defaults from poor decisions in younger years. I found out one of the accounts was paying back had applied for a CCJ. complained the accepted they were wrong and actually paid me back what i had been paying. They did state they were applying to get this CCJ removed. Does…
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UK Search Ltd/Octopus
Good afternoon Has anybody had any dealings with the above? I had an email from them this afternoon relating to an account with Octopus that apparently I owe £281.54 on. This account is at an address I moved out of last September. UK Search say the issue is relating from the end of July to the 14th October by which point I…
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Link to thread on what issues MSE should be raising with the credit industry
https://forums.moneysavingexpert.com/discussion/6522435/credit-cards-what-issues-should-mse-be-raising-with-the-industry/p3
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How do you keep the motivation going?
Paid off two small debts, 5 to go, 3 credit cards of £2000 each & two loans. It will take me a while to clear the cards. How do you keep motivated :(
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how to raise money for full and final settlements offers
normally this comes from windfalls, like gifts from family. I don't have that, I know I have offers available, I've wrote to creditors. the only way would be to stop my dmp for many months( 4 to 9) and then use that money and hence take up some of the offers available on some of my creditors. then restart dmp for the…
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PRA - Statute barred
Good morning, I have made a bit of a mistake but hopefully not one which is going to cost me. I am currently in a DMP and have a Barclaycard account which is with PRA and receives a payment every month. PRA also have a QuickQuid account which I haven't acknowledged in well over 6 years. I received a phone call yesterday…
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Feeling helpless - mental health, redundancy, physical health
Please be kind. I can't categorise my thoughts very well as brain fog and anxiety. So I've tried to bullet point: * I've worked all my life, in professional role and have a mortgage with my husband. Two kids - teenager/nearly teenager * Two years ago I suddenly fell ill, was signed off on long term sick, told by NHS urgent…
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Default Notice
1)I have three Creditors one has issued a Default notice dated 11 March 24.(Creation Finance) Today I have received a letter stating full balance is required immediately do I now contact them with their pro rata payment and wait for the other two to do their default notices. 2) What is the best way to respond by letter…
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Link financial
Please can anyone help me as im unsure how to move forward with this but in 2007 i had a bad divorce and i can't be sure if i had a ccj on a credit card but link financial bought it in 2008 ive never acknowledged it or paid towards it as I've never been in a position to, i understand that if there was a ccj it doesn't…
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Bit of debt advice please
Hi Guys, I’m new to the forum and just after a bit of debt advice So recently I woke up and realised I’m 43 next month I have £22k of debt (2 loans, 4 credit cards(1 is only £200) and Klarna £299) and zero savings 1 of my loans has only £606 on it left and I plan on paying it off next week, this will free up £202 a month…
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Defaulted CC advice - statute barred?
Can someone advise me ref my partner's debts? I'm nearly debt free myself thanks to this forum (under another username but I don't have those details now) :smile: My partner has 2 old CC debts, one hasn't had a payment/acknowledgement on it for at least 8 years so I assume this is statue barred? He's been getting letters…
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Debt management plan uk
Hi all, new to the forum so hope I've posted this in the right place. Just taken the first steps in addressing my debt spiral and looking for some advice on debt management plans in the UK I'm 31M , married with 3 kids, in rented accommodation. I have debts that have risen to £13.5k across 2 personal loans and 4 credit…
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Struggling with payments and think I’ve made a mistake
Hi. I'm hoping for some guidance please. It’s been a tough couple of years. My partner lost his father, followed by the collapse of his business. He was in a dark place for a while. As a result I’ve been trying to manage everything on my salary. I’m self employed and I’m busy but of course time off, sickness, bank holidays…
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Overdraft and possibility of sudden removal
Posting on behalf of brother - ( I seem to have become everyone's financial adviser since getting into this site!!) Nephew is 34 years old and worrying about his overdraft. He has an overdraft of £2250 which he regularly uses up to his limit, but never exceeding it. He received a letter from the bank a while ago about his…
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Secured and Unsecured Debts - struggling to make payments
Hi All I was wondering if you could help me please? I'm currently struggling to make payments on my debts (mainly credit cards and 2 secured loans). I'm able to continue to make the payments for the secured debts, however the credit cards are starting to cause me some issues. From looking at the previous advice on the…
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Letter regarding debt we've never heard of.
Hoping this is the correct board to ask and that someone might point us in the right direction please. My husband received a letter from a debt recovery company saying he has an outstanding balance with Abbey National for over £4k. He hasn't banked with them for over 20 years. He had an account there with his ex-wife at…
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HMRC Simple Assessment 2018-2019 debt
Hi everyone, I'm currently in the process of setting up my DMP and have tasked myself with opening/filing/throwing letters I have recieved. I reopened one today, which I had forgotten about. In Dec 2023 HMRC wrote to me saying that I owed £505 in tax from a simple assessment calculation where I was incorrectly given…
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Newham Council introducing a new app for local residents to manage their bills
Hi all, I have seen on LinkedIn that Newham is offering local residents free help managing their bills with a new app called SuperFi, anyone seen this? Think this may benefit some people on this thread.
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