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CCJ applied without my knowledge
Hi there, I wonder if anyone can help me? I had a dispute from Vodafone from 2007/2008 about a bill that wasn't right. It was for about £400. I then moved to Dubai early 2008 until 2014. Upon returning I found out that the debt was sold on in 2015 to Lowell Portfolio and BW Legal, who then went to court and got a CCJ…
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Best way to deal with 28k high interest cc debt
Hi everyone. I have accrued just under 30k debt on 7 separate credit cards over the past 5 years. Each card was initially on a 0% deal but over the years these have run out and I haven't reduced the debt. my problem now is I cant get a new card due to my high proportion of credit utilised on the cards I have (95% at…
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Wescot 50% settlement. Will they sell on the other 50%?
Hello all. Today I rang westcotts to settle my loan they've been managing. (It's been Dmp for over 6yrs!) After talking at length I eventually managed to get a 50% settlement figure from then. (Verbally only they won't send a letter) So since then I've been reading up on this kind of thing and I'm now concerned if I pay…
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Reduced my credit limits - Big mistake
Hi, I would like some advice please. Over the last 4 years I've been steadily reducing my credit card debt with 0% cards, switching when the offer ends etc. About 9 months ago, I was reading an article online, and misread the advice. I thought it said that having high available credit limits was a detriment to your credit…
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Advice Needed Please
Hi All, New to the forum so apologies if this in the wrong place or anything is wrong. I currently have a student overdraft due to end this year, using upto the £2k limit with Santander. An halifax credit card near the £1k limit and a loan I foolishly took out for a car with £11k remaining with Tesco. Also got a couple of…
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Moorcroft
I have had a letter from Moorcroft, which is essentially threatens court actions unless I increase my payments, which I am not in a position to do. The debt is still with the original creditor and Moorcroft are collecting on their behalf. From what I have read, you tend to get ccj's from companies who have bought the debts…
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DESPERATE - advice on HMRC debt
I have also posted this in employment, jobs and training. Hello everyone, I've joined as I'm desperate to solve a serious situation. Due to various factors including depression, it has come to light that my mum has been self-employed for 7 years and has not declared this to HMRC. It's been incompetence, rather than…
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Help with SOA and DMP
Thanks for reading my post. I have accumulated quite a bit of debt through poor money management and a period of online gambling. I have sought help for this and have not placed a bet since 1st November. I am now needing to sort out my money situation as I have realised there is a life worth living outside of the online…
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True cost of living- how do others manage?
I'm not sure if this is the right place- our monthly costs have been going up and up and we've realised that we've been spending more than we earn each month masked by the use of credit cards and an overdraft. We are lucky and earn a good income but still seem to have basically nothing left once monthly bills are accounted…
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dealing with robinson way dca
had a debt with barclay card defaulted. they sold it to mkdp llp who have sold it to hoist portfolio (robinson way)..debt for 3816. the debt is almost 5 years old have never entered into any sort of repayment plan with any of these companies.this has sat on my credit file gathering defaults every month.went for a rental…
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problem with DCA satisfied default
I have been in talks with lowells to try and get the satisfied default removed from my credit file . they emailed today to say they refuse to remove the satisfied default and asked what I am going to do with the other 2 defaults on my credit file?! I have never mentioned any other defaults to them so i would like to know:…
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Payday Loan Interest claim
Hi I have recently decided to complain to a payday loan company about a loan I had in 2011/12, I borrowed £200 and over the course of a year paid £60 interest only every month as a rollover payment, resulting in paying over three times the amount in interest alone. The initial debt was passed on to a debt collector, In my…
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Help
I have a credit card with £1900 balance and also catalogue at £3900 trying to clear them and it doesn't seem to be making a dent in it because of interest. Can you help please
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income/expenditure and debt advice please?
Hello, I currently have a large amount of debt (10k I reckon) and its causing me a lot of anxiety. Here is a breakdown of my income and expenditure, if anyone is kind enough to give me any tips, I would be most grateful! Looking to shave costs where I can and hopefully pay off some debt! Not very clued up with all this…
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Debt cleared in 2014- now different debt collection agency chasing for same debt?
Hi there, I hope i've posted in the right section. My husband defaulted on payments for a mobile phone contract back in 2013. Personal circumstances at the time resulted in this, but there was never any dispute of the debt/ amount owed. The mobile phone company in question sold the debt to a debt collection agency, BCW,…
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Bank loan from 2006
Hi, don't know if anybody can help, I took out a £4000 loan with mbna in 2006 and made my monthly payment of £113 for a year i then went onto pay 63 payment to my debt management company which paid them £24 per month until September 2013 I have now been taken to court by the solicitors on behalf of the DCA I agreed I owed…
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Stuck between a rock and a hard place.
I got myself a bad credit rating early on, foolishly running up a lot of bad debt as a student. It took until my early thirties before I was offered any kind of credit at all, even a high interest credit card. As I reached my mid thirties my rating was slowly improving, I was earning more and I began to have delusions of…
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Guarantor advice needed!
Earlier this year my husband (stupidly) agreed to stand guarantor on a 5k loan for a close friend. Things started off well but then the friend made a direct debit indemnity claim to reclaim ALL the payments he had made so far. This left the loan heavily in arrears. To cut a long story short he has since been sacked from…
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Can somebody give me a little advice about 15k worth of debt?
I would really appreciate a little advice on my current situation. I'll try be brief. I found my mum dead in her flat 6 months ago and went into shock which lasted for a good 5 months. I'm seeing a therapist and thankfully have not succumb to depression. I was left with the funeral bill (region of £3k) and a couple months…
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DMP & credit rating - Debt free wannabe
Hello all. I am thinking about entering a DMP with step change, so far I have checked one credit file and can see this: Vodafone - £1,752.18 - active IDEM (aqua card) - £399 - defaulted TMOBILE - £80 - defaulted Should i check other credit files? Is it worth entering a DMP? Is this going to affect my credit rating further?…
