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Help advice needed
I am getting these weird and assuming spam texts. I have had 2 from a firm called Harley legal who when I spoke to them said enforcement officers were coming round to collect goods if i didnt sign up to a debt management payment plan with a compnay (they happened to be able to transfer me to a firm who has no links with…
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Utility point Debt - EDF
Hello i was a Utility Point customer for energy when they went back at the end of 2021. I migrated my supply to Octopus shortly after this. The final ultility point bill is as issued by EDF, however the bill was incorrect. I received confirmation from Octopus that the meter readings UP / EDF used were not the readings that…
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Debt help!
HI all, I'd like some advice/help with my debt please. I`ve currently got almost £28,000 in personal loans and credit card debt. Ive not yet missed a payment but having recently changed job and taken a slight reduction in salary £35,000 to £31,000. I think if not this month it'll be next month that I start missing…
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LOWELL CCJ
Like others I've had a letter from Lowell re a debt from Hoist completely out of the blue. Firstly about a credit card which changed to joint account. There is a CCJ apparently dated Sept. 2013. I've contacted the bank who can't tell me anything cos the account was closed in 2011. I never had any info from Hoist or knew of…
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Advice needed re joint account
Hello everyone, I am in process of starting self managed dmp. I have joint account with my husband where we put money to pay all bills. Two of my debts which will be included in dmp are with bank I have joint account in (Halifax) Can Halifax offset money from joint account against my debts? Many thanks
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Advice for Link Financial/Wescot Needed
Hi All, I have a debt from close to 15 years ago via a Barclaycard. Total is around £15,000. I defaulted on it a long time ago and it eventually moved to Link Financial. Wescot are managing it on their behalf. Around 7 years ago, I agreed with Wescot to make a monthly nominal payment (£1). I’ve been doing this ever since.…
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Transferr My Wife To The deeds
I own the house 100%b and my wife not on the deeds. Can i put my wife on the deeds and will their be any tax or stamp duty we have to pay. Thanks
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Seeking advice for my disastrous debt
I started a thread elsewhere on MSE and somebody recommended I come and post on here for advice. In short, I have £68,000 in credit cards and loan debt - I know, it's a lot. This is personal debt that I've accrued through what I've realised is a trading addiction (if anyone can recommend a charity who can help with this…
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Joint account on dmp
Hi all. I’m currently in a DMP and am about to start my payments on the 1st April. However I noticed a comment in here saying I need to remove myself from any joint bank accounts? What is the reason for this and is it essential? As all of our bills come from this account and we like the bank we bank with. Is this…
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CCJ issued by County Court Business Centre...
I was trying to get driveway insurance today when buying a car, and was informed I have a CCJ???!!! i had zero idea about this. On investigation, I can see the amount I apparently owe, and the issuing court, which is now no longer operational. How on earth do I find out who this is from? I've exhausted all my search…
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PayPal Credit default
My PayPal Credit account has showed in my credit report for at least a month now as defaulted. However I’ve never received the default notice from them in the post and they are continuing to write to me and send emails seeking minimum payments? I just received another letter today saying minimum payment by 8th April? I am…
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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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dmp or iva
I am self employed and my income has been pretty steady for the past 2 years, I have £22500 debt from credit cards and a loan which so far i have been paying just the minimum on everything but it has squeezed and squeezed my income and i am getting nowhere. I have no savings as I was using them to top up my income when I…
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£30,000 credit card debt - living abroad - DRO
Good evening chaps, Background: MBNA Credit Card - £15,000 (minimum payment each month £450) Tesco Credit Card - £6000 (min pm £250) Halifax Clarity - £7000 (min pm £250) Two years ago I had to move to Czech Republic as my wife was pregnant and she couldn’t get visa to UK. So far I have been making minimum payments…
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Service Charge Arrears, Debt collection initiated
Hi Guys, Find myself in a pickle but trying to reassure myself that things hopefully aren't as bad as they seem, I come here seeking some advice... I've owned and lived in a new build property since 2019. Always kept up with service charge payments in the past, despite not always agreeing with some items on the budget and…
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24k credit card debt - help, sanity check
Hello, I'm in dire need of a sanity check with regard to my debts, please ... I stupidly built up just under 24k in credit card debts over the last 7 years, and last year following a nasty divorce and the death of my parent I started struggling with making minimum payments. I was in denial for a while and I kept…
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Can bailiff's take things on finance/credit?
I'm just wondering what country court bailiff's can take for a CCJ. Are they allowed to take things on credit/finance? For example Sky Glass TV (on finance with Sky) mobile phones/tablets on contract etc. I've tried googling it but the only information I can find is about cars on finance. Thank you.
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IVA or DMP long post
I’m looking at options and read some great advise on here but just wanted some advise based on personal experiences to help me decide I’ve avoided all the companies such as PayPlan ans step change so far as want to feel I know what I’m doing when. I start talking to them I have £34k debt .. my monthly payments are nearly…
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Lending stream/Credit report
Good evening I have 3 defaults remaining - 1 With Virgin Media (Due to come away in Jan 2025) emailed them my current issues at the time but not overly fussed about this one the other 2 with Lending stream however - One comes off in May 2024 which is a couple of month away which I won't kick up a fuss about being so near.…
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partner's bonus
hi all, My wife has been given a 25K bonus what is the best thing to do with it? Both 59 we have no mortgage 15k credit card debt 2k savings any help apricated Tard