-
PRA Group threatening me with Solicitors (Scotland) - Now with added Sheriff's Citation(s)
I have two defaulted Barclaycards which have been with PRA Group since early this year. Earlier this year I was advised by @sourcrates and others on a course of action. I sent a letter stating that unless they could provide proof of a CCA I would not enter into any further correspondence. I stated that I was aware that…
-
New DMP
I am in the process of starting a DMP with StepChange due to juggling a high level of debt. My question is how will this affect my husband, we have a joint basic bills account with no overdraft and no joint debt. All of my debt is personal debt from loans and credit cards and I really don’t want to have to tell him about…
-
Tackling £31,000 of Debt
Hi there, I hope this post is in the right place? I would like some help. I really want to start tackling my debts. I am 27, self-employed with a rough income of £2500 a month. I had some issues the last few years, struggling with depression and addiction. This led me to borrow a lot of money that I didn't really…
-
Help - need advice on car lease
First time poster here in need of some friendly advice. My VW car lease is becoming unaffordable for me. It’s a contract hire lease and is £564 a month. I’ve spoken to VW financial services and despite being just over half way through my 4 year lease term, the early termination quote came to an unaffordable £8.6k. What’s…
-
At breaking point
Hi all - I am finally facing my debts head on and want to take meaningful action. I'm at my breaking point, my mental health is suffering and I have never felt anxiety or stress like this before. I'm looking for some advice on what the best option is for me. I have completed a SOA which is showing a monthly deficit - will…
-
BW Legal Letter of Claim unknown OVO energy debt
Hello, I'll keep this as brief as possible but greatful for any advice and help we can get. Just returned home after a short break away to Scotland - our first holiday as a family ever and found this letter on our return. BW legal, letter of claim on behalf of JC International Acquisition LLC with the original creditor…
-
What should not be included in a DMP
Hi all 👋 I am in the process of sorting out my creditors to eventually do a DMP. This will only be my first month of not paying, to await defaults. However, there are three payments I am unsure whether to pay or default on. The first one is Zilch. Like a credit card but I had to pay a fee to spread by installments rather…
-
CCJ support
Hi, I'm supporting my brother-in-law who has received a CCJ (judgement for Claimant - in default) and is currently unable to pay it. He has mental health conditions and generally very bad mental health, so hasn't been able to deal with this himself. I'm working on getting a Debt and Mental Health Evidence Form (DMHEF)…
-
Update- Simple Procedure Notice of Claim Form 6a (Scotland) Help please
Hi Everyone, Not been around for a bit, but today I have come home to a Simple Procedure Notice of Claim (Form 6a). We are in Scotland. Original debt is to MBNA - £2591.47, it was bought by PRA group and Brodies is the solicitor dealing with the debt. I have requested the CCA from PRA group, first letter they ignored,…
-
53k in debt and finding ways of helping
Me (40) and my wife are currently 53k in debt, across 9 creditors. we currently rent. Paying all the monthly loans and min payments on credit cards and a catalogue leaves us very little money as soon as we get paid. Most food shopping will go on credit cards to make ends meet and I’ll also eat into my overdraft. it’s a…
-
Persistent debts built up, 0% periods ending on cards mean its unaffordable - DMP
Good evening folks, I did post in the DMP thread but figured this is possibly worth having my own thread for, so here goes. This month is when I finally stepped back and took stock of my financial situation. Total unsecured debt is circa 70k across a couple of loans and numerous credit cards. I've been managing fine until…
-
Brodies on behalf of PRA
hi guys, I have received a letter from Brodie’s on behalf of PRA (barclaycard debt) stating ‘notice of court action consideration’. I did a CCA request to PRA in 2023 and I’m still waiting…just double checking this letter isn’t anything to worry about? Says court proceedings may be taken against me if I don’t pay by 10th…
-
How much emergency funds to keep momentum?
Hey there, long time lurker on this board. Without posting war & peace my partner and I found ourselves in around £80k of combined unsecured debt by the end of 2023. This was a mixture of existing debt from silly spending habits, house renovation and then failed fertility treatment which really turned it into something…
-
Help! £54K debt, DMP process and defaults.
So I have the following debts: Virgin credit card: £9646 (interest free period expires next month) Lloyds credit card: £6464 (paying standard interest rate) Santander: £5098 (paying standard interest rate) HSBC: £6198 (interest free period expires next month) M&S credit card: £ 3143 (period expires 6 months) Halifax credit…
-
Lowell threatening with 4 months until statute barred
I defaulted on a credit card in July 2020. Lowell have bought the debt and have been ringing, texting and sending letters. Today I got a letter saying if I don’t get in touch by 1st April they will send a field agent to my address. How likely is it that they’ll do this with 4 months until it’s statue barred please? What is…
-
Next Steps...
Hi I have followed the advice from the forum, and stopped payments to my creditors… I have now started receiving letters mentioning giving notice of default. Do I now proceed with setting up a DMP, or do I wait to receive the actual defaults? Thank you for your help
-
Dcb Bailiff
I had a dispute for a debt of 9k being claimed. The debtor approached small claimed court. The claim form stated that Particulars of claim will be served within 14 days. I acknowledged the claim and was under the impression that I had to wait for particulars prior to challenging it further. To my surprise the ccj was…
-
Defaults have begun: self-managed DMP
Hi everyone, This is my first post, so apologies in advance for any newbie mistakes. I’ve been following this thread for a while now and have been taking on board the advice shared here. Like many others, I found myself stuck in a cycle of growing debt, with interest payments becoming unmanageable; all stems from a…
-
Debt collection help
I have received a couple of letters from Moorcroft with the following paragraph; We have been trying to contact you to help you pay back your outstanding balance, but your account remains, to date, unpaid. We can confirm that in order to prevent the registration of a default in relation to this account our client will…
-
Letter from Cherry Godfrey
Morning all, like many I am 6 months into waiting for defaults with the plan to start a DMP. None have defaulted yet although I have had a couple of notices. One of my loans is with Cherry Godfrey and as they are a mainly off shore outfit, they seem to operate a bit differently. They have gone down the route of trying to…
A place for MoneySavers to share their journeys towards debt-free living.
9.1K discussions
1.8M comments
Most recent: Cancer, cash and carrying on by ohdearhowdidthathappen
Today at 7:54AM
Forumites help each other push down their debt by setting challenges and encouraging each other to achieve their goals.