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Advice regarding DMP - court action
Hey all, firstly would like to thank you all for your help and advice, its really appreciated. My situation now is i have been waiting for my debts to default some have and they have been purchased by a DCA which i have agreed affordable monthly payments to, My NatWest loan is my largest debt totalling to £65,000, they…
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Which one do I do?
I would appreciate some help. Background In 2007 (or it might have been the year before) I got a credit card with M&S.To try to help with my debts that were starting to build, in 2008 I applied for a credit card with Halifax and they sent a card and then another card days later. I don't recall asking for a second card but…
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ACI and Verify chasing historic debt
The debt is from about 20 years ago - if not more and it does not appear on credit report. As I have moved around a fair bit, how can I tell if there aren't any CCJs related to the original debt. I have been on the electoral roll for at least 7 years and I have not made a payment or acknowledged the debt for well over 15…
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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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Help with moving CC balances
Hi All, I have a spreadsheet with all my current CC balances including their 0% end dates etc. A couple of cards still have room for transfers but would mean I have 2 or 3 different 0% dates on the same card. Is this wise or over-complicating matters? I'm not in any defaults and have 0% offers available to me but I just…
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In a bit of a pickle
I feel embarrassed stupid and upset that I've got myself in such a silly mess.. I separated from partner in 2022 I used £15k of savings plus about £9k of credit to purchase a static home for myself and son to live in...We were renting prior to our separation and I only worked part time, my ex paid the bills, I couldn't get…
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CCA Agreements Request Help - Full and Final Settlement offers
Hi I was wondering if you could help me with the following: I have been in a DMP for the last couple of years. All my debt has been sold to debt collectors. Could someone point out to a template on how to request CCAs? How and to whom do I send the postal order of £1? Do the postal order for £1 needs to be per debt…
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Going to court?
Hi All There's a credit card debt that will be statute barred in approx 2 weeks. The DCA has gone quiet. If they are preparing to take me to court, do they have to issue proceedings before the default runs out or get me in court before the default runs out? Thx in advance
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Personal Debt Advice - Credit cards with some complications...
I owe roughly £50k on 4 different cards. I've done this to live and pay rent because my business has tanked since the pandemic. I have not defaulted yet but i'm only a month or so away from this. I have nothing. No savings, no investments, no pension, and I rent. I've cleaned myself trying to survive the last few years.…
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CCA questions
Hi all, i recently sent a cca request to a creditor/collection agency. They have sent my postal order back saying it is not required and have also just listed balances of 2 accounts i have with then. 1 account is actually 2 credit cards they have combined as 1 amount, but when i check online it shows 1 amount with 2 sub…
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Stepchange help.
So here’s my story. Ex initiated divorce 6 years ago. I took on the family debt not thinking for one minute she would drag it out for 6 years. Been living rent free with my mum ever since. We finally get to court and the judge decides I have to pay all of the debt out of my share of the house. This isn’t a few quid. It’s…
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Any help or guidance welcome
Since about 2015, I've convinced myself that I can resolve my debt issues and have been a textbook case of spiralling into more debt, trying to clear the previous. Here is my SOA if anybody can perhaps offer some guidance. I've already been bailed out once by my dad, but after a period of unemployment, I found myself back…
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Barclaycard / PRA
Hi, I can see from reading through other threads that this is a well worn topic, but can’t see anything that quite covers my situation, which is… Had a Barclaycard for several years - was paying it off not using it, as originally it was a zero percent used to do a balance transfer. But when overall finances went south I…
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CCJ from 2012
So as titles say I got a CCJ awarded against me was going through a divorce ex wife wasn’t paying anything towards mortgage and basically had to pay it on my own which meant at the time had to pick between credit card debt or house. So don’t know how but the payment set out in the CCJ was to pay £20 a month which I have…
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Quick Query pls re: defaulting/not paying and contact with creditors
First post :) last month I reached a decision that action was needed over unsecured debts that have just become too much to manage. I scanned over the threads and have followed all advice and have stopped paying, had no contact with creditors and am waiting for default. I am wobbling a bit on the no contact with creditors…
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Lowell refusing to provide debt is mine.
Hello, I have asked Lowell three times since August to provide proof that a debt belongs to me. I have quoted the relevant legislation l from the FCA CONC 7.14.401/04/2014R Where there is a dispute as to the identity of the borrower or hirer or as to the amount of the debt, it is for the firm (and not the customer) to…
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Debt from uksearch Ltd that I feel I don't owe
Hi I've been given a water bill f9r a unit that I rent which I feel I don't owe. This is due to the fact that the company I rent off have said the utility bill I pay each month is for the electricity alone as they cover the water. I was sent a letter from business stream 2/10/24 saying welcome on board. I never signed up…
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Making a full & final settlement offer
I am currently in a DMP that will take 14 years to complete. A friend will give me money to make a full & final settlement offer. Should I make the offer through my DMP provider or go to the individual creditors myself?
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Finally a default!
Hi, we stopped paying credit cards in June as our debt reached 75k and was out of control. We have been waiting for accounts to default while managing our budget and building some emergency fund, albeit not as much as planned due to essential repairs. We had a text message today from Wescot saying they've taken over my…
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Debts & Defaults
Hi All, First time poster but long time lurker. I've been trying to sort out my debts for a long time but keep making excuses and burying my head in the sand, so posting on here now have some accountability. 'Luckily' all my debts are unsecured, except my mortgage which I am managing to keep up repayments on. Unsecured…
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Most recent: NST November 2025: NOWvember by grandmanerd
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