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Found 4 results

  1. Can the terms of a repayment mortgage contract that was a fixed rate for 5 yrs be altered during the 5 yr fixed term to a SVR? Does a fixed rate mean the amount to pay each month would remain the same for the 5 year term and not go up or down? Would that be a breach of contract if it's altered? Is it lawful? When mortgage interest is charged daily, how would that appear on a mortgage statement, each month or once a year? Thanks
  2. Hi there, I've got 3 credit card debts which were all defaulted in 2011 (various dates). Total debt is £8000ish. I've been paying £1 a month to them all for the last 5 years or so and to be fair they haven't given me any problems due to explaining my ongoing long term mental health difficulties and financial hardship. I've changed address in the last 2 years and not updated my address with them but continued paying the £1 a month to all. Start dates for them are 2000, 2005, 2007. One debt is still with Capital One, another (Virgin MBNA) shows as Arrowglobal o
  3. Hi, In 2014, I filed tax returns for 2008/09, 2009/10, 2010/11, 2011/12 and 2012/13.... Yep, I know I was stupid but at least I'm clearing my conscience and paying them every last penny (last £30k to pay in a few days time through family loans and selling a property). On a self declared basis, I owed them £38,000, now £48,000 with charges for late filing. Until I filed, they had no idea how much I might owe them, they never sent any estimates etc, just letters saying I needed to file. They seem happy that the amount I've filed for (done by an accountant on my behalf). I was told tha
  4. Ok all Have been assisting a friend with this. DWP Debt Centre contacted friend in Dec 2012 stating old social fund load hasn't been paid repay debt. They repaid this debt some 5yrs ago and obviously after such a length of time doesn't have all the paperwork but does have some and 3 letters from DWP stating thank you for payment of £XXX. Now the classic DWP state they mean nothing as DWP own thank you for payment letter isn't a receipt. Gets better one of the letter they have from 5yrs ago matches exactly the recent letter to pay the same debt but from a totally different
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