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Global Debt Recovery letter for deceased father
I recieved a letter for my late father from a company called Global Debt Recovery. The letter was addressed to him. My father passed away in Dec 2021 and left nothing behind in terms of assets. Furthermore, he had no connection to my address (never lived with me). Few questions: 1. How did they get my address 2. Should I…
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Deep in trouble, looking into releasing equity on mortgage?
Hi all, long story short, I am a recovering gambling addict (Sports and crypto). I have, in the past year alone, lost over £30,000, destroying my savings and turning me to loans. I have borrowed loans worth £24,000 and I have a few months of money left before I have absolutely no cash left. I have requested a pay rise from…
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can I email back the Directions Questionaire?
Hi all, I'm the defendant and I completed the N180 Directions Questionaire (small claims track). Can I email the DQ back to the court as a pdf? and also email the claimant with a pdf copy of the DQ? Thanks.
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CEO of cashfloat
Does anyone know where I could find the email for the CEO of cash float?
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What Small DFW Thing Will You Do This Week? 02/05/22
When we start out on the DFW trail we do loads of "big stuff" that makes quite a difference to our situation. These include having our lightbulb moment, cutting up the credit cards and cancelling Sky and the gym. But once we have done the bigger stuff, we often feel that we are not making the same amount of progress, when…
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UPDATE. Defended cc claim now court letter proposing small claims track.
Credit card debt for £1700 including fees.Got the ccj set aside and just lodged a defence at local county court. What happens next and what are the possible outcomes now? Thanks.
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Will having a DMP affect my job?
Hi there, does anyone know if having a DMP will affect my job? I am currently a legal secretary however I am going to complete a course to become a trade mark paralegal with the Chartered Institute of Trade Mark Attorneys. In the disciplinary procedure and requirements section it states : ‘all members must report to CITMA…
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British Gas Energy Support Fund
British Gas Energy Trust (BGET) has launched a new Energy Support Fund which will run in addition to their existing Energy Trust Fund. British Gas customers with fuel debt of £250 to £750 can apply for grants. The fund is aimed at ‘the most financially vulnerable British Gas customers who are struggling to pay their energy…
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Moving in the right direction
Hello everyone ! I am refering back a post I made a fairly long time ago, around 2 years ago - https://forums.moneysavingexpert.com/discussion/6102492/stressed-by-debt-but-have-a-plan-please-help-me-with-ideas-or-advise/p1 . It has been 2 years and thought of also updating the forum and everyone who has helped me with…
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Debt Advice
Hi, I was wondering if someone could help guide me in the right direction please. I have racked up roughly £21k's worth of debt and it has got to a point whereby I cannot manage anymore. Monthly I have minimal money left over and it has affected my mental health more and more every day (as I'm sure it has to everyone). I…
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Slight Concern
Hello all thank god for a website like this. So i have a CCJ against me since January, the court said i should pay £100 each month, i had problems for the first 3 months but this month i was only able to pay them £60, i contacted them before to explain via email, i said and the other £40 i would pay a week later, then from…
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CCA Request - Default
Hi All, I entered a DMP back in 2019, initially with StepChange, with the thanks of MSE I went self managed last year. I have CCA’d all of them and settled some. One of my alleged creditors, originally Vanquish, then Arrow and managed by NCO. I have stopped payment awaiting a response. NCO have written to me information…
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Power of attorney whilst in DPP
Hi there, I wondered if anyone could clarify something for me? My Auntie currently has my Mum listed as her main power of attorney but wants to also myself and my sister as back ups as such. I received the paperwork through the post and it states anyone declared bankrupt or in a protected trust deed cannot do this. I am…
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Lcs and eon
Hi everyone I received a letter from lcs about a property I have no connection with. I contacted them by phone but they said they need my date of birth to talk to me which I refused so they put the phone down on me. I sent an email stating I have absolutely no connection to the property and received an email back asking me…
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Simplybe charges
How can they get away with charging 69.9 percent interest rate, absolutely crazy. There should be some sort of law that they cant charge charge way over the top interest rate .
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selling up and moving abroad - moving proceeds offshore advice please
Hi, I'm in a debt management plan currently which isn't due to be reviewed until the Autumn, but I'm moving abroad (outside of Europe) in a few months and will be living as an expat for about 3 or 4 years. As a result I'm selling my house. I don't intend to do anything dodgy or run from my debts (and indeed the debt…
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Potentially statute barred resolvecall
About a week ago I received a letter from resolve call saying that they are working on behalf of arrow global, who bought debt from Shop direct (carval). I’m a bit confused on what to do. I don’t really recognise this debt. But if it was mine, it’s definitely older than 10 years old. What’s the right thing to do here?…
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Default Query
Hi. I have just found out that the date on a default had been changed from Feb 2016 to July 2016. Equifax informed me in February that it had been deleted (and it wasn’t visible) and now it’s back on with a new date. Can the bank do that? I have old credit reports dating back 2 years that all say February. I have queried…
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Will the debt reappear on my credit file
Hi there. I’m starting to self manage my DMP and making offerers. Some creditors are replying and advising the account will be marked ‘ partially settled’ which is fine, however most of the debt has disappeared of my credit report anyway as the default is over 6 years old so it’s dropped off if they mark It partially…
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What Small Things Will You Do This Week?? 25/04/22
When we start out on the DFW trail we do loads of "big stuff" that makes quite a difference to our situation. These include having our lightbulb moment, cutting up the credit cards and cancelling Sky and the gym. But once we have done the bigger stuff, we often feel that we are not making the same amount of progress, when…