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11 letters and the replies start coming
Please read all of this--- myself and wife are now at the point where it's a DRO or bankruptcy or creditor write off in order to clear consumer debts.£22,000 . ( had to stop our self managed dmp cos I dropped to a lower paying job for legitimate reasons) we wrote letters last week to our 11 creditors, showing income…
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Council Tax Debt
So I'm writing this about my 73 year old mother. She is in serious Council Tax arrears - about £8500. She has made absolutely no attempt to resolve this matter. A liability order has been obtained. Enforcement officers have called at her address but she hasn't answered the door. She has no assets of any value that would…
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DMP - Scared about the future.
Hi all, I have read many forums and wondered if I could ask some of you for advice. I started dating someone from work at the beginning of the year (we have been friends a long while before) just as I entered a DMP. He doesn't know about my debt or my DMP (I didn't feel the need to tell him so early on). I was renting a…
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Resolvecall
I got an email from resolvecall a few weeks ago on behalf of Jefferson capital Acquisition saying I owed £230 but if I paid £115 then the matter would be closed. I was out and came back home this morning to a letter put through my door saying they had called and to contact the asap. I don't actually know what the debt if…
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Unmanageable credit card debt, defaults, mortgages and DMP
I've found a few threads focused on DMPs but none that mirror my circumstances and was hoping for insight and advice. I've tried other forums but got little from it other than criticism and pedantic comments on the explanation of my situation which just resulted in me deleting my post. It looks like the people here on MSE…
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Full house of defaults
I know it’s nothing to be proud of but it’s taken almost a year and a new job to be able to get to this point where everything has defaulted and I now have standing orders in place to repay my debts (aside from PayPal who haven’t contacted me since default and PRA who are still looking for my barclaycard CCA) Some of the…
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Prioty Debts
Currently managing own DWP, but been hit with high untilty bill (Gas/Elec) due to reading issues. My question is i am aware this a prioty debt but would my creditors play ball if i ask to reduce payments to clear this for 6 months, anyone point me to any FCA rules to use.
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House ownership and debt
I’m 50 years old from NI and I own my home with my wife
(50/50 and no mortgage). I am also £30K+
in debt and I’ll be starting to pay this back soon (maybe £150+ a month). This will obviously take considerable time to pay back, and
I’m worried about leaving my debt problems for my wife to deal with should the
worst ever…
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Pay off debt with emergency fund?
Hi all, Question around debt repayment- I currently have a personal loan of circa £5k left at APR of 5.68% with payments running until Mar'26. I have roughly the same emergency fund in a high interest savings account paying 5.2%. My question is, should I use all of this or most to pay off my personal loan? This will be my…
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Advice please (in laymans) please
Morning All, I have 2 outstanding credit card debts in my name and am with Stepchange, I have recently just lost my husband so I'm presuming I will still have to pay them off but would/could Stepchange go to them to see if they will come up with something else? I know the above does not probably make sense so sorry,
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Settlement on 6 year old account, credit file impact?
I have been paying a PRA account for over 6 years. The account has dropped off my credit file some time ago due to age. I now want to make a settlement offer to clear the balance (c.£1400). My question is, if I do so will there be any impact upon my credit file? Will the account re-appear here for another 6 years? Or, will…
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Resolve call trying to chase 20 year old debt
Had a letter this morning from resolve call about a debt from 2011, it was a phone contract that I ended up not paying as their was a dispute with Vodaphone and myself at the time, long story short old contract had about 5 months left went into store asked could I upgrade early, was told yes and the old contract would be…
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34 months paying debt that is now proven not to be mine - reclaim nightmare begins
I have been verbally challenging a debt collection company about a PayPal working capital loan I set up when I worked for my ex husbands limited company in 2018/19. I resigned from the company in 2020 to peruse my own career. In 2021 I was inundated with calls and letters from Wescot collections (Wescot) who have verbally…
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Marston
I had a bailiff turn up at my mams house which I do not love at. I have no fixed address at the minute. But they turned up today at mams with and enforcement warrant. For a parking fine £425. I’ve offered a payment plan. But they will not accept . I’ve asked them for 14 days to pay it as I’m waiting for my monthly pay. But…
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Zopa default - anyone with experience?
Hi there, I have just received a default from Zopa after not making any payments for 4 months, the loan is now showing as ‘in default’ on ClearScore and ‘defaulted’ on the Zopa app. My question is do I now make contact with Zopa to arrange repayments or do I wait it out still with no contact until they sell the debt on?…
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Safe Bank Account
Hi everyone, can someone please confirm that Santander is safe if you have debts with NatWest? Many thanks
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Budget help please?
Hi, can anyone tell me if my budget is ok? If there are things missing, can you let me know. My wife pays for a lot of stuff so that’s why it will not appear on here. The reason the travel cost is so high is that I commute from Liverpool to Leeds for my job 4 days a week and I won’t be able to change that until September…
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Brighthouse/caversham
Hi, I am trying to sort out my finances now I am sober after 11 years in addiction - I’ve successfully contacted and arranged payment plans with 2 out of the 3 accounts which are on my credit file - however I am struggling to find one listed as ‘Brighthouse/Caversham Finance’ for £452. I know I had an outstanding debt of…
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PRA Group - Help
Hello need help dealing with PRA Group. I had 4 accounts with RBS (all taken out around 2008 ish) I'm pretty certain they were sold to some company (can't remember who) and then sold again to PRA Group. I have quite a few mental health problems and have not worked for a number of years. I also have not paid anything to PRA…
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Do you have a debt with Brighthouse ?
Brighthouse (Caversham finance limited) went into administration in 2022, after the rent-to-own company collapsed, the administration was managed by Grant Thornton. As part of this process, a number of client accounts were written off, resulting in them no longer having to be repaid. However a credit management company,…
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