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Ombudsman complaint on hold
Hi there, I received the email below today, in relation to 2 complaints against Virgin credit card complaints that were upheld by the investigator… Virgin didn’t agree, so it was escalated to the Ombudsman a couple of months ago. I’ve not paid anything in 12 months and both had defaulted but are no longer showing on my…
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Debt Management Plan
Good afternoon all, I hope this finds you well - sorry if i have not posted this in the correct place. I have broken up with my partner for the right reasons, however we had credit card debt which was solely in my name so now i am lumbered with it all. It's around £40,000. These are made up from several credit cards. After…
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Help after gambling
I’ve been a nurse 40years never needed financial help. Unfortunately I started gambling while on medication for Parkinson’s disease. A well documented side effect of these meds. Once meds changed I stopped altogether. But the damage to my credit score is done. I need my car for work, but my car needs work doing on it. It’s…
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Link Financial - payment plan?
Hi guys So my Lloyds Bank Loan finally officially defaulted and the debt has now been sold to Link Financial. I have set up a standing order for £15 a month to them which is all I can afford at the moment. They recieved my first payment and it's showing up on the online portal. Today I received this email from them, they…
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Self managed DMP advice/help??
Evening everyone. This is my first post here after reading only for months. I am intending on doing a self managed DMP & have already ignored my lenders for a few months. Today I received a letter with my first default from “Creation” which I have a loan with. I have copy & pasted the main part of the letter below and I am…
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Improved situation but still unstable income — best next steps? Self-managed DMP?
Hi everyone, I posted about six months ago after being been made redundant and my debt was mounting up quickly. At that point I was in a really difficult position, pretty much having to choose between paying debts or keeping a roof over my head, so I stopped paying most of my creditors. I did continue paying a few of the…
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ACI UK - Sent Prove It Letter - Still getting calls.
Morning All, Recently I received a letter from ACI-UK Stating that I owe £568 to HSBC. I have no recall of this debt owed and nothing is showing on my Credit Report. This could quite possible be from my youth some 20+ years ago now! I therefore sent a "Prove It" Letter via Royal Mail signed for 1st Class, of which was…
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Consolidating debts
Looking for advice before signing up for a personal loan to consolidate debts. Currently have 20k in debts on various 0% credit cards. Paying the minimum payment every month £350. All of the cards lose the 0% promotion period at some point this year so will have to switch them all which will of course come with a fee of…
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Self managed DMP
hi, I have 6 defaulted accounts that I make small monthly repayments on, and the interest has been frozen on all of them. I have been paying regularly for 4 years now. What happens after 6 years, are these debts wiped? Presumably if yes, it will take longer for my credit score to recover than if I had settled them? I am…
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Working towards reducing credit card debt advice
I will prefix this with I am unsure if I should be posting here or CC forum - please could it be moved if deemed to be in the wrong place? :) We have a bit of a stress-on as we are in a bit of a hole debt wise, not helped by my wife currently being on statutory maternity pay, us having welcomed a baby last summer (I also…
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Advise please letter from moorcroft
I’m in the process of starting a self managed debt plan just looking for some clarification on when to start making payments, I have stopped payments and waiting for defaults one debts had been passed to moorcroft and they have sent this letter as it states in the letter that a default has not yet been registered do I…
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Marston Recovery and Vulnerable person
my friend is a stroke survivor, from a stroke July 25. He still has full care support from the rehab team and 4 care visits a day. Prior to this stroke he was in a coma for 7 weeks from pneumonia, and also had a previous stroke where he was sent to a care home for rehabilitation. He has had an aggressive visit from Marston…
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Lost (Scotland)
I'm just lost just now. To give some background, I had a disagreement with my ex wife regarding child maintenance payments as I had both my daughters staying with me 4 and sometimes 5 overnights per week but paying £400/month. Long story short, she lied to CMS saying I only had them 2 nights per week, I refused to pay it…
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TPP StepChange
Hi All Over time, since my divorce, I have slowly been building more and more debt, mostly CC’s, short term loans, home shopping. I initially applied for a DMP with SC, but after some changes to my I&E, they say I don’t have enough funds to deal with the 23 (god 🙄) creditors. I only have £110pm available. So they have come…
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Debt and Job loss
Hi, Please no judgment, I am exhausted with worry and really dont need to be told how wrong I have been. Long story short- I have a senior job which pays well. Things have gone wrong in work and I think there is a real chance that I may well lose my job. Not a misconduct issue but more a performance issue in the business…
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credit card (aqua) selling to Link Finance
hi, I'm looking for advice. i have a credit card with Aqua, I've recently been sent an email that they are now selling my account to Link Financial Outsourcing. i know i have to wait for them to contact me within 60 days, however i have financial anxiety and questions. firstly, what does this mean? what can i expect from…
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Wife death - Please help with where to begin...
My spouse has passed away suddenly.. The house we live (+-£175k if matching the last sale on our street of a similar one) in is in her sole name with a mortgage of ca.£28k. She has a life insurance which hopefully will be paid off that will only cover the cost of the mortgage and funeral. Also she has a few debts,…
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Council Tax + Bailiffs. How to deal with this?
Apologies If this ends up being long but there is considerable context and history here. Background 2017 - I fell ill (cancer) and we had a new baby on the way. Pretty much ended in financial disaster. For several years we just tried to get by but ended up in this weird debt cycling with the council. The process is this.…
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New debt added to credit file from AGG - no idea who they are!
Hi, can anyone advise on what to do please. I am trying to clear off last few debts and rebuild my credit file and I have just noticed my transunion score dropped hugely so I was just looking at the report and it seems a new debt was added. It says September last year but I don't recall seeing it before and have only just…
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Consumer Choice
Hi Like most of us here im in a chunk of debt but starting to do something about.- Circa 35k Im self employed but the business is a partnership and i cannot risk this being affected in anyway I have spoken with Consumers choice about a DMP and who I have seen advertised all over the place and wondered if anyone has had any…
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