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Court Judgement recorded against me
Good morning, I left the country when the Covid-19 happened as I could not survive financially wise due to loosing my job. 2 years later I am abroad and tried to log in on my credit score account and I can see that the following appears: "A Court Judgement, Bankruptcy or Insolvency was noted on your credit profile on…
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Defaulted account & paying it off
Hi all, I have a defaulted account against my name that is a result of an ex-girlfriend taking out a credit card in my name. I am currently in the process of disputing it with Overdales Solicitors & sent them a formal complaint about 5 weeks ago. I really don't feel like I'm getting anywhere with them though & have a…
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Fed up of dmp
Hi, I’m fed up of my dmp which has 42 months left to run….think I made the wrong decision…can I just go bancrupt or do I have to stick with the dmp?
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Trying to understand whether a Debt Relief Order is right for me
My situation is that I brought three cases against my local authority (A) in the last year after it breached my rights, and in each of them its lawyers lied to the court and persuaded it to order me to pay their costs, totalling about £16,500. I'm in the process of appealing all three cases, but that could take a year or…
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Self Managed DMP
Thinking of going down Self DMP route, as still waiting for defaults and advice from here is to setup plan with those that have defaulted. Question is following charity advice I am to do the formula so the biggest gets most and the smallest gets less, should I follow this or just offer all the same amount, then once some…
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PRA
Hi it’s PRA again !! Wrote to them sec 77/79 thanks to member advice. Got 2 debts statute barred but on the others they are being so harsh . Will not negotiate. Even checking if I’ve got a mortgage is this ok to do ? Any help would be appreciated especially as it’s Mental Health week ! Really struggling with this…
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Help with default
Hi all, been a long while since I posted on here, I’m back looking for some help as you’ve always been so good in the past at advice and pointing in the right direction. I took out an IVA in January 2017 and paid into it for 3 years before finding myself in a position to be able to offer and settle to figure in 2020 and…
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Linkfinancial
hello to all thank you for accepting here in this forum and I hope you can advocate me ! 4 years ago I failed to repay back my credit card due a long term illines ( I had cancer end 2019, treatment last until 2021). Due the nature of my rare cancer I decided to relocate to my native country to be closer to my family and of…
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Jacobs Enforcement Attended Mum's Address - Please Help
Please help, my disabled mum has just had a visit from Jacobs Enforcement regarding old council tax at a property I used to live at. I moved out of that property 2 years ago and as far as I was aware everything was up to date when I left. I don't live with my mum so no idea where they have got her address from but as I…
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Another one for Lowells
I am one of the many contacted recently about an old debt sold from Hoist to Lowells. I am certain this refers to an old defaulted overdraft from 2013. Being certain this was statute barred, I sent the standard statute barred letter, sending a copy via post and email.Lowells have since emailed to advise a payment was made…
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Lowell CCJ Advice - Help please!
Hi all, I'll try to keep this brief, I used checkmyfile recently to see my total credit profile across each bureau and it appears as though I have a CCJ which was issued against me in mid 2021. I was not aware of this CCJ until now as I only check my experian and equifax credit profile regularly, and this CCJ does not…
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Letter of Claim
I received a letter of claim, which I responded to in the correct time frame. I disputed the amount owed, sent in documents to support my dispute and gave them a proposed payment schedule in which I would be paying back only the money I owed. I asked for them to write back either agreeing to this, or with proof I owe the…
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PRA CCA request - statements received??
Hi I have posted previously about a CCA request I sent to PRA a couple of months ago. I have since received correspondence from them stating that due to the age of the account, the documents cannot be obtained from the original creditor and the debt is unenforceable. About a week later I have received another letter from…
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Worried Parent
My son got a credit card and didn't pay the debt. It was transferred to Intrum 2/3 years ago maybe more. They sent letters to settle but nothing else. He now wants a mortgage but finally has realised that this debt won't help and has asked for help from me to clear the debt which is around £2500. Before I make contact with…
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Full & Final Settlement Advice Please
Hello all, Im looking for some advice on offering a !!!!!!. I'm currently in a DMP with Stepchange. I recently inherited a lump sum which I want to use for a !!!!!!. The largest debts are managed by PRA Group and total £9000. I have asked for CCAs from the creditors and they have not been supplied. They sent generic ones…
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New bank account?
Hi all, I am in the process of setting up a debt management plan with step change. I read that it’s wise to open a new bank account for bills and my pay to go into. Is this only if you are in you are in an overdraft which is included in the DMP? Or do I need to do it even if I am not? Trying to avoid having to change all…
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New SOA
Following my last post on dealing with PRA I was advised to post an updated SOA so here it is Mortgage = £193.86 Rent = £251.35 Council Tax = £145.00 ( single occupancy applied) Water =£49.50 ( will go down now as I am now on my own on a water meter EDF = £165.00 Virgin = £30 ( recent new deal from when my DD was living…
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Defaults
My last default was December 2022...does that mean all my defaults will be removed from my file 6 years later, i.e December 2028? Or how does it work?
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Mortgage Overpayment Vs Savings?
Hi All. Im in a predicament, although its a good one, but I need help working out which is financially the better option. Im 37, have 3 kids, no credit cards, no other debt, no finance, no phone contracts etc. and im generally quite sensible with money. I currently have a £210,500 mortgage on a ~£500K house with HSBC (~42%…
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DMP so far
I made a post in Nov that I was planning to start DMP, and stopped payments same month. Most defaults are now in and so far have made 3 offers to wescot who have accepted a regular payment plan. I have not started an official DMP with a specialized company. Is it wise to or carry on self managing? I've Cabot contacting Me…