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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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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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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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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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NEW POSTERS LOOKING FOR DEBT ADVICE - READ HERE FIRST BEFORE POSTING ANYTHING !!!!!
People post on this board looking for advice on many different debt topics. However its sometimes difficult to post in the right place, so, if you are wanting general advice from our panel of regulars on your debt issues, and how to go about solving them, you create a new thread using the big red "create new" button, top…
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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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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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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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CCJ Advice
Hello all, looking for some advice on a CCJ we recently found out about (hopefully this is in the right part of the forums for this, please let me know if it would be better elsewhere!). In a nutshell, we discovered in Feb that a CCJ had been taken out against my other half for debt accrued on the ground rent on a flat he…
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Waiting for debts to default before entering a DMP?
Hello everyone, Over the last two years, I have been absolutely reckless with credit cards, which seems to have been caused by personality changes from several different anti-epileptics drugs I have had to take. I am going to have to go into a debt management plan with debts totalling around £20k as I am now on a low…
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Advice and help with £28k debts
Hello all. Long time lurker here. I've read and taken in a lot of advice from all you lovely people and have finally decided to admit to myself I need help and advice. To cut a long story short; I've had some form of debt since the age of 18 when banks threw credit around for fun (40 now, time flies). 2009 moved in with ex…
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Need help getting out of debt cycle!!!
Hi, I'm new here so apologies if this isn't the right section to post this and thank you to all the knowledgeable and helpfull people that contribute to this forum :) . Over the years I have accumulated this debt and I have just borrowed and borrowed to cover the monthly payments and it's caught up wiyh me and can no…
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PayPal debt through gambling
Hi all, I've been getting into debt with PayPal for approx 2 years now through my compulsive gambling. I know this has happened to others but I thought PP cracked down on this. I think perhaps you can't spend as much as previously (thank god) but it still can amount to a fair few hundred a month. I've always been so…
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Please help £75k debt!
Hello everyone, I found this forum and have been reading different stories the last couple of weeks because find myself at breaking point, 35/M I have a history of gambling addiction which is the root cause and for the first time in my life ( it has been approx 2 months where i feel in control of it and honest with it to…
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Disability & Unsecured Borrowing
To lay out the facts. Aged in 50s, forced to leave work last year due to declining health and stubborn employer. Live alone, I have recently been placed in the support group for ESA. Only 3% of people ever return to working from this group. it's highly unlikely I will be one of them, given my health issues (physical). I…
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Cabot county court claim form received, advice on how to proceed most welcome.
This discussion was created from comments split from: DMP mutual support thread part 13 !!.
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Help DMP not DRO or IVA-should this be in benefits?
63 year old lady Please don’t judge me being on benefits since my health massively deteriorated over past 5 yrs plus and work issues etc Debt credit cards £9k Car asset paid for - Parkers estimate private £4740 - £5920 (needed as long term Ill health and severe mental health,live out in country very little transport, many…
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Self-Managed DMP - First Contact/Payments to Creditors Advice
Hi there, Just after some brief advice having recently embarked on a self-managed DMP due to a big change in personal circumstances and large uptick in outgoings due to needing a second address. Am in the process of half a dozen loans/credit cards being defaulted, sold, managed by third parties etc, having stopped all…
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PRA Group- Barclaycard debt
Hi My husband had a debt with Barclaycard for £13k that was sold to PRA Group in March 2020. He has been paying PRA via direct debit £20 per month, he was for a while before B/card sold the debt to PRA paying £20. He didn’t have to change direct debit details or anything, this just continued once PRA took the debt on. My…
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Final Settlement /Any Advice
Dear all debt-free wannabes, I’m seeking advice on approaching Full & Final settlement offers with my creditors. Here’s my situation: I have been with PayPlan since 2019 and have paid a total of £40,000 so far. My remaining debt is £6,708, with an estimated completion date of 30 March 2027. My current monthly payment is…
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Resolve Call/Cabot Letter
I am currently receiving letters for a historic credit card debt from 2008/9 and the debt balance I do not recognise - It appears it has grossly increased while being passed around. It then went to court and I represented myself in a local sheriff court in 2015 with the help of a CAB lay representative due to not…
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Lowell /resolvecall
Hi i have a statue barred debt, I sent a statue barred letter to lowell and they just kept coming back with discounts via letters I never responded, I have been having text off resolvecall and today a letter do I send a statue barred letter to resolvecall Thank you in advance for any advice
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LC Asset 2 S.A.R.L money claim on unenforceable debt
Good afternoon, Trust everyone is well :-) Question pls- I have received the attached Claim Form regarding a very old Barclays debt and wanted to double check what my response should be before I say the wrong thing. In July 2022 I asked Link Financial to supply the original credit agreement and they confirmed that they…
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DMP & CCAs - going self managed?
Hoping for some help / advice please! Been in DMP with payplan for 2.5 years. For 5 credit card debts. 3 are showing as in default and have been purchased, 2 are showing as up to date: £4448 (now link) - opened originally 2016 £4072 (now PRA) - opened originally 2008 £2221 (now PRA) - opened originally 2021 £4133 (MBNA) -…
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Please help! Advice needed re: IVA
I really need some quick advice. I think I’ve got swept away with the idea of an IVA with PayPlan as that’s what they recommended. A meeting took place yesterday with PayPlan and my creditors to vote, and they said it can all go ahead. Have I reached the point on no return? I don’t think it was the right thing for me to do…
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Need help with debt and credit cards, really don’t know where to start and what to do!
Hi, I’ve come here just for some advice and help with how to manage my finances. I’ve made some really poor financial decisions which has left me with multiple credit cards, high out goings with small not much disposable income and I’m really trying to rectify this anyway I can. I’m trying to avoid going through the IVA…
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Debt write off due to serious mental health - any success stories?
Hi. I'll start by saying, I'm not looking for any medical advice, as I have a full psychiatric team assisting me… Six years ago my mental health deteriorated, ending in me getting divorced and eventually being signed off work. After the divorce, I was left with the family unsecured debts (which were all in my name) of…
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High Court Writ - looks completely fake, is it?
Hi there - I have received an email from a company called HCE Recovery with the subject 'High Court Writ of Control' It is demanding full and final payment otherwise their High Court Enforcers will be visiting for full payment. The debt is genuine - but I have a payment plan with them, so not sure why they've sent this.…
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