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PPI and CCJ loan help!!!
Hi everyone, just wanted a bit of help if possible... I got a loan with co-op around 10 years ago for a business venture and was what is apparent now 'mis-sold' ppi which I didn't need as was self employed. I paid the loan monthly yet around 6-8 years ago (not sure) I requested my ppi back through all the proper channels…
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I did it - but it is not for everyone
I will try to keep this brief, but hopefully it will give some of you food for thought. Last year, I put my flat on the market. It sold quickly, as I expected, and I walked away with just under £40k. I cleared council tax, credit card and loan debts. Although I now have a very healthy bank balance, years of struggling to…
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MSE News: Devastating impact of mental health problems on personal finances revealed
A major new study has found over 70% of those with mental health problems believe their condition has hit their finances...Read the full story: 'Devastating impact of mental health problems on personal finances revealed' Click reply below to discuss. If you haven’t already, join the forum to reply. If you aren’t sure how…
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Monday 13th June - What Small Debt Free Wannabe things will you do today?
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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21 year old DWP debt
A friend has just started to receive mail about a £1700 debt from DWP. They have no recollection of the debt due and due to its age, what it was supposed to be for. Can a debt this old be upheld? It claims to be from overpaid job seekers or something like this. We have no other information as yet, but the person has…
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Likelihood of CCJ/Charging Order whilst on DMP
Evening everyone, Being on a DMP, I worry about the possibility of CCJs and Charging Orders, however whenever they are mentioned on this forum it seems to relate to either mobile phone contracts or when people ignore their debts. So what I would like to know is if anyone on here has received a CCJ or Charging Order whilst…
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Single DMP Joint loan
Hello, new one here. I hope I'm posting in the right place. I have a DMP for myself. I have been on one for about 2/3 years and an estimate of over 15 years left to pay it off.. My husband came on a loan with me before the DMP (so I could get it). He gets monthly defaults on the loan and is keen to settle this, to clear…
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virgin media default on credit file
Hi, I have recently started the process of purchasing a house and have come across a default on my credit file from virgin media. The reason I want the default removed is because I never received a letter or an email informing me of the missing payment. The direct debit never came from my account, it came from a group…
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Unsure how to proceed with lowell
Hello, I'm hoping for some advice on how to deal with Lowell. Long story short, over the last 3 years has been chased for 7 different debts for accounts that he has either been incorrectly linked to or that have been set up/taken out without his knowledge (ex partner). Of these debts, i have managed to have five written…
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Credit File Question
Some items appeared on my noodle report today. 1 A car loan has finally appeared - I am fine with this as its all up to date but they have caused address to be linked which I never lived at. (when I updated my address a while ago they had the wrong address listed, its correct now) I filed a dispute on the site to get it…
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Small overdraft, struggling to lower it
I don't have a great deal of debt but I find myself overdrawn every month which seems to go round and round and I never seem to build up a buffer. If I could build up a reasonable credit in my current account I would be fine. What I have just done over the past week is move bank accounts from a Santander 123 account (I was…
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Consolidating debt with personal loan
Hi all—I return to these forums after a long break. You were all extremely helpful some years ago in advising on a debt. I look forward to more excellent advice! After some years of education, and training I've entered a well paying graduate job. This has given me breathing room to begin shifting some accumulated debt. But…
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CCA follow up letters
I did post in the support thread but obviously got missed I CCA'd my credit cards mid April. Two 'sold on' debts wrote to me and said they're trying to gain correct info from original creditor. Letters dated April 19th. Chequers cashed Two have cashed cheque but I've had no contact Two have not cashed cheque and not…
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Really Urgently Need Some Advice Please....
Alright guys, please bear with me if I have actually posed this in the wrong section, but a lot of it has got to do with a serious debt that's in my name..... Also I consider myself a private person and hate the whole world to know about my business. So as you can see I am here as a last resort blabbering about my…
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Scottish Power / past due - I've never missed a payment
I have had multiple years of issues with SP... none my own doing either! The issues arose as despite only having 2 meters... there were 8 account numbers. I had 3 accounts online for 2 meters... all open. They had 2 systems, the new one they spent millions on and sone accounts were closed on one system but not the other. I…
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Capquest Statute Barred
Hi All, Does registering on the Capquest website restart any statute barred debt? I have received a letter this morning chasing an account owed to Arrow Global, who I have never heard of. The letter says to see more details I need to log on to the Capquest portal, which I am reluctant to do. Any help gratefully received!…
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Unwanted letters
Hi all Sorry if this is a bit off topic but couldn't work out where to put this thread. I moved into my present house in October of last year. The previous tenants (owners) have their own business and after some 8 months I am still receiving some of their post which recently has only been frequent letters from Companies…
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Sat 11th/Sun 12th June - What Small Debt Free Wannabe things will you do today?
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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Starting out to clear £30k debt
Hi all finally dragged my head out of the sand and making the changes necessary to start clearing this lump of debt, i was wondering if anyone knew of any exel spread sheets for monitoring the debt monthly ? its all on Credit cards ive seen a few for budgeting but wondered if there was one available specifically for…
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Idiots at Moorcroft Debt Recovery
Hi I have 2 accounts with Moorcroft Debt Recovery for £913.49 and £1674.64. I got in trouble I admit that and now I have to pay, I have no problem with that it is just the way that I am treated by these jokers. I was off sick and forgot to pay 1 of the accounts. So a few days ago I get a call on the land line which I share…
