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Looking for a little guidance to start my journey towards becoming debt-free.
Hello, I’ve been reading the advice on all the different threads about this, but there’s quite a bit to digest! So, I thought it might be best to ask a few questions about my own situation so I can create the best plan for me and mine. I currently have a little over £60k of unsecured debt caused (mostly) by some…
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Moorcroft partial settlement
Hi all, I have had many partial settlement offers from Moorcroft over the past year, haven’t been in a position to take one up before but I am now. Haven’t heard from them in a few months so made contact on live chat and they said partial settlements can only be discussed by telephone. Is this correct? Or rubbish? Thankyou
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Starting a self managed DMP
So after browsing the forum for months and finding myself in a terrible cycle of just about meeting minimum payments but then using credit again just to live, I have bit the bullet and decided to sort my life out 🤯. I get paid tomorrow so have cancelled a few direct debits and will not pay my usual unsecured debts. So am I…
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Email from AIC. Help please
I recently wrote to AIC with a CCA request on a old Natwest Loan. I have received an email from them requesting the following:a. Your full name. b. Your last 3 digits of your postcode. c. Your year of birth. d. You agree to communicate with Allied International Credit (UK) Ltd via email I am not 100% sure how they got my…
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AA Loan sold to Antelope Loan
I previously had a loan with AA and was making monthly
payments without missing any payments as well as additional payments in order
to save interest and pay off my loan quicker. When extra payments were made with the AA I was able to see
the interest that I have saved as well as see the new end date of the…
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Old Debt Assistance
New to here, but something about CCAs peaked my interest. Back in 2016/2017, I racked up a lot of old CC debt and as a result, ended up in a bad situation so they all defaulted. They have obviously dropped off my credit card file now and as such, I got a mortgage earlier this year with no issues. Since they defaulted, I…
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Received 2 Messages From 2 Different Companies - Neither Of Which I Know About
Hey all, So the other day I received a letter from a debt company saying that they were taking over my debt for an Abbey National Credit Card. So this sparked a little confusion, as far as I am aware I don't remember owning any such thing in YEARS, and even if I remembered the debt, Abbey National hasn't been a company in…
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Self managed DMP - do I start repaying now?
Hello all Following the extremely helpful advice on this board, my personal credit card debt was no longer manageable (repayments of over £1k a month which I couldn't afford) and I'd run out of balance transfer offers, and all my cards were at standard interest rates so I stopped all my direct debit payments for my credit…
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Lowell Letter (vague threat) - advice appreciated
Hello I’ve had the letter below from Lowell for one of my debts of c£12k. I have had the CCA back upon request (which looks complete, but I am double checking), and subsequently a few letters chasing. This is the first time they have mentioned a deadline to get in touch, which is actually less than a week from when I…
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In Debt - Reality Check in place!
So after a disastrous house and a wedding, I've managed to get myself into a bit of a debt hole and I realise now I need support (likely a DMP I guess) but I've put my fairly embarassing SOA below and any advice or help will be appreciated This is my personal debt and not linked to my wife - she covers lots of other bills…
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Please look at my SOA
This discussion was created from comments split from: DMP mutual support thread part 13 !!.
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What to do…
I’m in approx 70k of debt. I have been looking at a dmp and have mentioned this to my partner, however she is not keen. She thinks it may affect my position in regard to an opportunity with the company I work with. The risk as far as I can see it is if I get credit checked however that won’t be pretty without a dmp if…
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Affordability complaint with FOS - bank statements
I have 2 Newday Credit cards that I have taken to the FOS. I have been allocated my investigator and she is asking for statements for every time I was issued a credit increase. So basically 2 and 1/2 years of statements. What will they be looking at when they get them? I was always in my overdraft and the statements shows…
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Capquest Letter of debt
Hello all, To start off i have i have been debt free to my knowledge for over 5 years and my experian report and others show i have no debt in my name, this morning i received a letter from capquest saying they where now holding a debt that they have transferred form capquest limited to capquest... i have no knowledge of…
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Barclaycard sold to PRA
So with the help of this lovely forum I've been making real inroads into my debt so far - Zopa card irresponsible claim upheld and removed from credit report, Updraft 2 loans irresponsible lending upheld and removed from my credit report, still need to pay them back, but interest removed and not reported so a small win for…
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Further Steps Notice unknown debt
Hello all, I was asked by my ex-husband to help pay an amount that he received a Further Steps Notice for recently. He has no idea why he has received this letter from HMCTS Norfolk (with Great Yarmouth Magistrates Court address), and has assumed it is for a CCJ for catalogue debt that was registered in 2014. He recently…
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Link - unenforceable debts and now a letter threatening legal action with Kearns solicitors
Have 3 accounts with link . Sent off for CCAs and received letters saying unable to comply and unenforceable. Continued to have letters so I sent letter saying ’ I have recently received reminders for payments for the above accounts. As per your letters from 4th feb,2025 and 9th dec 2024 you have confirmed you are not…
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Currently in a court process with UK Debt company
I have recently found out I had a CCJ issued in 2019, however I know nothing about it and have moved addresses. I have applied to court where the CCJ got cancelled and I have filed a defence asking for assigned deed , original signed information , transactions etc Also that I could also request a SAR . Is the time limit up…
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Debt Managemt Plan query
Hello. I've been in a dmp for a number of years, paying all my disposable income into it which amounts to about £140 a month. My situation is potentially going to change and my disposable may go as high as £1000 a month. Obviously I want to increase my dmp payments accordingly and start clearing this debt, but, do I 'have'…
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New DMP
Hi all, So my DMP with Step Change is up and running....not heard directly from any of my creditors so assuming they have accepted the proposals - I pay my DMP and crack on with life. Getting myself into a sensible budget, changing my mindset and getting myself out of this mess which I created through my own stupidity. I…
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