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Tax Debt...
Probably the worst 12 months of my life. Pre warning this is as much for me to get it out and have a rant as it is to ask for advice. So sorry in advance. 12 months ago today, literally today. I got the keys to my house (Own). After splitting with the mother of my daughter I used my savings as a deposit and spent the rest…
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Advice please on clearing a secured loan that has been sold on from GE Money to Arrow
I am looking for advice. In 2007 I took out a 25k secured loan with GE Money. In hindsight a stupid thing to do. Personal circumstances with my ex partner forced me to to consolidate debt he had ran up in my name. He promised to pay and didn't, so I covered it until I lost my job in 2009. I was some time out of work and…
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Company House late filing and debt recovery
I posted on here a while back about debt company, Daniels silverman who were chasing me for a payment for a month I didn't use in a gym. They have stopped contacting me since, and I didn't end up paying. I setup a limited company last year with companies house that I haven't traded with yet since. I received a letter in…
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Pra Group
Hi guys, I hope this is the right place to ask this , I've been having a read and looks like I'm in the right place. In search of some advice as this has come a little out the blue - quick history, had a DMP with step change which I was under the assumption as all done and dusted as of 30/8/2016 This was due to me being a…
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Statute Barred Debt Lowell (Part II)
Started a new thread as the previous one has been locked. https://forums.moneysavingexpert.com/discussion/5749838 Yes, they are that stupid, and have now sent me County Court Papers. Advice on how to contest claim, under Statute Barred legislation?
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Struggling to get motivated.
Totally blown it this month already. I wanted to start budgeting on the 21st of every month as that is when I get my UC payment. I do well for 3 or 4 days and then I get ill and blow my money on things I don't need or things I think I need and definitely don't need. I am finding it very hard at the moment. I am struggling…
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Help with02 account
Finally taking my head out of the sand and trying to repay my debts, most of my debts have been passed to a dca and I will send off cca’s within the next week but I’m not sure what to do with the debt originally with o2 for £2k it is now with a dca but I know this doesn’t come under cca so what do I do with this one? Thank…
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Debt question
Dear All I have an old debt (£3500) from a credit card which I have struggled to pay off for a good number of years. This debt has been passed to a legal firm called BW Legal via Lowell Fin. I cannot remember the last time I made a payment on this card, must of been over 5 years ago.. A friend at work mentioned that if I…
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Quick Question
Hi! This is my first post so go easy on me! Just a quick question really, bit of background first though. I'm now trying to get myself out of debt around 18k ( I'll get round to doing a full breakdown later- not required for this question right now ) after my spending was getting a bit out of control and although making…
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DMP Newbie.....Questions.
Hi all I have started a self managed DMP using the Step Change & North East Derbyshire CAB websites. I have written & posted the holding letters to the non priority creditors, stopping all payments, requesting balances and interest rates reduced to zero. My priority debts I can pay and bring them back into credit / clear…
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Debt company sudden contact and court threat (C and H Group)
Hi all, I received a letter from a debt recovery specialist called 'C and H Group' which was stated as being a 'notice of court proceedings'. The letter claimed that the company had attempted to contact me a number of times over a total balance of £174 on behalf of their client. As they were unable to get in touch with me,…
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Telling Debt Collectors?
Afternoon good people, Do I need to tell the debt collector people (if a debt has been sold to them) I'm going to back to the original lender saying I'm disputing the debt with them. Thank you as usual.
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1stCredit/Intrum - account closed without paying?
Hi, So my credit card debt went to 1stCredit (now Intrum) which I've started corresponding with. I've sent them CCA request and they've told they need time to get it back from the original lender. Fair enough :beer: Today I've looked on my Equifax report and somehow my Intrum account is closed... What changed in April 2018…
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Owing PayPal money
Hi Everyone, first poster here. Currently having some problems with PayPal. Won’t go into too much detail, but I currently have a negative balance with them (around £150). It has been like this for around a week or so. They have been constantly calling me maybe 3 or 4 times a day this week. I called back yesterday and they…
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Just need to ramble and after some advice pls.
Hi there Seem a long standing member however not really posted. I have been a lurker but things are getting difficult and I need to sort them out. Having gone to bed at 2 and waking up at 5.. the mind won’t settle down and I have had enough! My partnership isn’t in a very healthy place and my finances are all over the…
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Debt/DMP Advice
Hi, New to this site and this is my first post! The wife and myself have finally decided to face up to our debt problems. I visited the step change website and filled out their debt remedy form and realised what a large amount of money we owe. £56k on unsecured loans and credit cards. This was a massive shock to us both…
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Please report spam
Can i just remind everyone, if you see an obvious :spam: post, then please, click on the REPORT SPAM button on that post. The less spam, the more help we can give to people. Thanks.
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Idem confuse me
[FONT="]I found myself in financial difficult back in 2004, although all the financial obligations date from prior to that, and I have been making small repayments to each ever since, which the CAB helped me to arrange. Even when requesting copies of the CCAs I did not stop any payments. I was hoping that the CCAs…
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CCA - clearly legible or not?
Hi all, I received this CCA today from a DCA in response to my ‘prove it’ letter. Would it be classed as ‘clearly legible’? I can’t read it all but I have shocking eyesight so I’m after opinions. If not, what reply should I send? I’m just a bit confused as I didn’t send a CCA request, I sent a ‘prove it’ letter, yet all…
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Does all debt drop off after 6 years?
Hi. I have 2 defaulted loans which occurred during a difficult time I went through around 6 years ago. I have never really had the spare money to repay them in full or offer partial settlement, and its not really impacted me since I haven't needed credit. They have been sold on various times over that period, i just keep…
