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Struggling with debt? Ask a stepchange debt adviser a question
If you need help with your debts, this is the thread for you. This is a new thread, as the old one was getting a tad long. Trained advisers from StepChange Debt Charity are here and waiting to answer your debt questions. They're a friendly bunch so please don't be shy! There are three ways to get in touch: 1 - Simply post…
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The Debt Free Roll Of Honour
Update December 2018. We started this Debt Free Roll of Honour back in 2006 and since then there have been some fabulously inspiring stories, which you'll see if you read below. To read the most recent debt-free announcements click the double arrow above to head to the last page of the discussion Back to Martin's original…
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Charging Order? The myth
I feel that this is so important that I thought a new thread should be made to highlight the importance of understanding the law on Charging Orders and how many people are stuck with their property in the false believe that they have had a Charging Order put on their property. In particular the thousands of Northern Rock…
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DMP mutual support thread part 13 !!
Welcome to the DMP mutual support thread Part 13 !! Here you can find help in starting and running your DMP, self managed, Stepchange, Payplan and any other DMP all welcome here, but we do encourage you to use a free service, not one you pay for. There is help on getting interest and charges stopped, how to start with an…
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In Debt and Wannabe Debt Free? first Steps to take are here, please read, then ask questions.
This thread provides guidance about some good first steps you should take if you are in debt and want to get debt-free. It doesn’t matter how big or small your debt is, or whether you are comfortably paying your debts and looking for advice on where to cut back further or struggling to cover your basic needs - we are here…
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Reclaiming money back from various payday loan companies
Hi all just wanted to share some good news regarding payday loan companies..... From early 2011 until mid 2014 I too was caught in the payday loan trap, all my own fault may I add, I borrow the money and in the end paid every penny back, would estimate 15000 over the years maybe 20. Early this year I saw all the news…
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Pls remember Debt-Free Wannabe's for support and help not judgement
Martin (Lewis) made the following announcement a few years back. But the link in the stickies is broken. Anyhow, here is what Martin said: "Dear Money savers..... Debt Free Wannabe is one of my favorite boards on this site. It's also one which runs a delicate balance. Many people who have serious debts have hidden them for…
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DFW Sticky-Provit/Statute Barred Letters, Defaults, Mental Health Help and Guidance, all here.
Debt-Free Wannabe Sticky - Please read for links to important topics and help Hi folks :) This is the Debt-Free Wannabe Sticky where links to all current important tools and information will be posted. Links: (1) Those who are new to debt, and want to know where to start, check out these first steps :…
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Statute barred debts and the Limitation Act
Statute barred debts and the Limitation Act Statute Barred debts. A debt will be "Statute Barred" if there has been no acknowledgement of the debt by you making a payment or in writing within the relevant limitation period. The debt would then be legally UNENFORCEABLE, unless the creditor has already taken legal action…
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Self managed DMP - do I start repaying now?
Hello all Following the extremely helpful advice on this board, my personal credit card debt was no longer manageable (repayments of over £1k a month which I couldn't afford) and I'd run out of balance transfer offers, and all my cards were at standard interest rates so I stopped all my direct debit payments for my credit…
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Small wins that add up – what’s the best £1 you’ve ever saved?
I’ve been on my debt-free journey for a while now, and I’ve realised it’s often the tiny savings that make me feel most motivated. Yesterday, I switched my regular supermarket coffee for the shop’s own-brand version – saved £1.20 and honestly, I can’t taste the difference. Felt oddly triumphant about it! So, what’s the…
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Email from AIC. Help please
I recently wrote to AIC with a CCA request on a old Natwest Loan. I have received an email from them requesting the following:a. Your full name. b. Your last 3 digits of your postcode. c. Your year of birth. d. You agree to communicate with Allied International Credit (UK) Ltd via email I am not 100% sure how they got my…
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PRA Group
Hi I have a barclaycard debt with PRA group which has been going snce 18/02/2020 with them prior to this i had an agreement with Barclaycard for about 9 months where i paid an agreed monthly payment with interest frozen-£56 per month i have been paying every month since then and i have been lucky enough to have been…
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Old Debt Assistance
New to here, but something about CCAs peaked my interest. Back in 2016/2017, I racked up a lot of old CC debt and as a result, ended up in a bad situation so they all defaulted. They have obviously dropped off my credit card file now and as such, I got a mortgage earlier this year with no issues. Since they defaulted, I…
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Moorcroft partial settlement
Hi all, I have had many partial settlement offers from Moorcroft over the past year, haven’t been in a position to take one up before but I am now. Haven’t heard from them in a few months so made contact on live chat and they said partial settlements can only be discussed by telephone. Is this correct? Or rubbish? Thankyou
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Received 2 Messages From 2 Different Companies - Neither Of Which I Know About
Hey all, So the other day I received a letter from a debt company saying that they were taking over my debt for an Abbey National Credit Card. So this sparked a little confusion, as far as I am aware I don't remember owning any such thing in YEARS, and even if I remembered the debt, Abbey National hasn't been a company in…
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Lowell Letter (vague threat) - advice appreciated
Hello I’ve had the letter below from Lowell for one of my debts of c£12k. I have had the CCA back upon request (which looks complete, but I am double checking), and subsequently a few letters chasing. This is the first time they have mentioned a deadline to get in touch, which is actually less than a week from when I…
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In Debt - Reality Check in place!
So after a disastrous house and a wedding, I've managed to get myself into a bit of a debt hole and I realise now I need support (likely a DMP I guess) but I've put my fairly embarassing SOA below and any advice or help will be appreciated This is my personal debt and not linked to my wife - she covers lots of other bills…
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Please look at my SOA
This discussion was created from comments split from: DMP mutual support thread part 13 !!.
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Cabot and Lowell
I would really appreciate some advice as I don’t know the best way
to go about this. I have 3 debts I’d like to pay off. 1. HSBC loan from 2009. Went to Myling Europe (?) in 2014. With
Cabot now. £8515 2. HSBC credit card from 2009. Went to Myling Europe (?) in 2014.
With Cabot now. £1617 3. HSBC (loan or card?) from…
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What to do…
I’m in approx 70k of debt. I have been looking at a dmp and have mentioned this to my partner, however she is not keen. She thinks it may affect my position in regard to an opportunity with the company I work with. The risk as far as I can see it is if I get credit checked however that won’t be pretty without a dmp if…
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Starting a DMP? Help please!
Hi all, So I’ve been on with step change who have recommended a DMP for my debts. Here’s a list if needed: NatWest loan - £4500 Aqua credit card - £2500 Zable credit card - £1000 Very catalogue £800 Monzo over draft - £400 < although this doesn’t cost me anything so I’m not sure I want to include it as a DMP? Now I’ve…
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Affordability complaint with FOS - bank statements
I have 2 Newday Credit cards that I have taken to the FOS. I have been allocated my investigator and she is asking for statements for every time I was issued a credit increase. So basically 2 and 1/2 years of statements. What will they be looking at when they get them? I was always in my overdraft and the statements shows…
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Advice on my debts please
This discussion was created from comments split from: Struggling with debt? Ask a stepchange debt adviser a question.
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Capquest Letter of debt
Hello all, To start off i have i have been debt free to my knowledge for over 5 years and my experian report and others show i have no debt in my name, this morning i received a letter from capquest saying they where now holding a debt that they have transferred form capquest limited to capquest... i have no knowledge of…
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Barclaycard sold to PRA
So with the help of this lovely forum I've been making real inroads into my debt so far - Zopa card irresponsible claim upheld and removed from credit report, Updraft 2 loans irresponsible lending upheld and removed from my credit report, still need to pay them back, but interest removed and not reported so a small win for…
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Further Steps Notice unknown debt
Hello all, I was asked by my ex-husband to help pay an amount that he received a Further Steps Notice for recently. He has no idea why he has received this letter from HMCTS Norfolk (with Great Yarmouth Magistrates Court address), and has assumed it is for a CCJ for catalogue debt that was registered in 2014. He recently…
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Link - unenforceable debts and now a letter threatening legal action with Kearns solicitors
Have 3 accounts with link . Sent off for CCAs and received letters saying unable to comply and unenforceable. Continued to have letters so I sent letter saying ’ I have recently received reminders for payments for the above accounts. As per your letters from 4th feb,2025 and 9th dec 2024 you have confirmed you are not…
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Currently in a court process with UK Debt company
I have recently found out I had a CCJ issued in 2019, however I know nothing about it and have moved addresses. I have applied to court where the CCJ got cancelled and I have filed a defence asking for assigned deed , original signed information , transactions etc Also that I could also request a SAR . Is the time limit up…
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