-
Advice needed
Hi there First poster here, I am looking for some advice I am on DMP ,i owe roughly £20000 to 3 different credit card companies(between £1.5k to £4k each),2 loans,an overdraft and also a paypal credit account(£750).I started the DMP in April and I pay monthly £420-that includes the fee for the debt management company(I…
-
Boyfriends debt
My boyfriend is being the stay at home dad in our family, he got made redundant and couldn’t afford to pay his debts anymore. They are two credit cards. They wouldn’t accept the £5 a month each he offered so have sent it to a debt collectors. He has zero income. Can’t claim anything because I work and it’s only my income…
-
What information can a bank give Lowell
My debt with Lloyds Bank from 2014 was sold to Lowell. There was no agreement but Lowell obtained the full history of every transaction I ever made in the form of every statement. I feel this ought to breach some sort data protection rules, but as I'm not sure, I'm asking here.
-
Court tomorrow - please help?
Hi, Looking for some URGENT advise please if anyone can help. I will cut a very long story short. Basically my husband is due in court tomorrow for the 3rd time against PRA group who have purchased an old debt from MBNA. We fell into financial difficulties a while back and the last payment made to the account was in 2012.…
-
Advice on which debts to clear
Hi, I have a few small amount of debt I would like to clear in the most economical way possible. Ill try and post it so its understandable below. Car loan £1905 14% apr CC £800 0% until feb 2019 then 20% apr CC £1500 0% until 2021 Store Credit £600 0% until feb 2019 then 19%apr I should have £1000 to use by next payday…
-
Help with reducing huge debt (please)
Hi, Just after some advice. My partner has a loan to pay off a debt left by his ex. It’s under control and will be paid off in the next 2 years. I don’t have any information on his payments, but if I asked I’m sure he would tell me. The main issue is, that in top of his loan, car finance and the usual monthly bills he also…
-
Is this an enforceable CCA from Mortimer Clarke?
Received this in response to a CCA Request. They have said they are not required to send a copy which has a copy of the signature and that they are allowed to reconstitute a copy of the agreement. Then they ask me if I think it is enforceable and if not, to please explain why. Help please from people far more knowledgeable…
-
old debt still being chased
I have an old debt with HBoS which has now dropped off my credit file as its over 6 years old. Today i had a letter from a company called Resolvecall asking me to contact them regarding the outstanding debt which i have ignored because as far as im aware the debt has now been written off. Then five mins ago i had a man…
-
Lowell taking me to court, advice please
I received a letter from Lowell in May 2018 stating that I owed Tesco mobile some £1,600+ which I was baffled about because I have never had a contract with Tesco, I wasn't even aware they did contract phones. I spoke to a friend about this who had a similar experience and she advised me to do some search here and read…
-
Defaulted accounts query
Hello Just wondering if you could give me some advice please. I had £3000 overdraft with Lloyds, and a £10000 loan also with Lloyds. The payments became too much to keep up, so I visited the bank to advise. They suggested that I close the account with the overdraft and open a new one. They also advised that the loan would…
-
Radio 4 tonight - Debt killed my Dad
Jessica Hurst's story is here https://www.bbc.co.uk/news/stories-45581526 and here https://www.bbc.co.uk/programmes/b0bksgnc
-
Owe money to someone who I feel unsafe with
Hi everyone, I currently owe a ''friend'' £10,000 which i am paying £475 a month to repay, this will take around 22 months. I really do not want to keep in contact with this person, and i feel unsafe around them. I want to move this debt elsewhere and was wondering if anyone had any options. I cannot pay this debt any…
-
IVA vs DMP last minute doubts! Advice please!!
Hi All, I have £37K on credit cards and overdrafts which I stupidly acquired due to one thing or another (anxiety and depression not helping!), the last £10K of that was probably me trying to keep on top of all the other payments!! Anyway, I recently followed advice on these boards and spoke to payplan, who after being…
-
Advice Needed please
Hi All, After nearly 10 years of worry & stress, and the last 4yrs of paying into a Trust Deed - I am nearly there. Or so i thought..... Last week, i recieved a letter from my Trustee advising that they were going to discharge me - what a great feeling. The last 48 months, all payments successfully made on time The…
-
Start of self managing my DMP
So after a while and not a few questions on here and reading everything I can get my hands on, I have decided to go self managed with my DMP! Have been with StepChange for 3 and a bit years, but was having issues with repayment amount after a change in circumstances. So using Nedcab DMP process,to get me started,…
-
Moorcroft Settlement Offer Letter
Hi, I'm currently on a DMP with Stepchange and Moorcroft who are managing one of my debts on behalf of Arrow (from Virgin credit card) have recently sent me a Settlement Offer Letter which states that "If I can afford to pay £5000 in the next 45 days, then they will clear the remaining balance owed and close my account"…
-
Final Settlement Advice needed - stepchange ordo it myself
Hi I am currently on a DMP with stepchange (since June last year) I owe around £16500. (think I have paid off around £6800) I do pay as much as I can afford each month (around £460) as I want to try and clear the debt as soon as I can. I have now had a lumpsum pay out of £13500 which I would like to use to try and pay off…
-
I want to be Debt Free but I can't see the light
(Please excuse the layout etc of this post. It's my first one on here and I can't preview it or use HTML it would seem. Sorry, I did try but I can't) Hi all . I've been lurking on this website for a while and for just as long I've been trying to get out of debt but I don't seem to be making any progress so I decided it was…
-
Credit card interest rates
Hi I have been struggling for the last few months to pay over the minimum charge on my credit card. This is due to a lot of time off of work due to sickness which followed an operation in June & resulted in one month off of work which has meant for the last 6 months I've been down on my wage by hundreds of pounds & so has…
-
Moriarty Law
Hi I have received quite a few letters from Moriarty Law company saying I owe money to AOL now Talk Talk, from about seven years ago and i did used to have AOL internet then but i cancelled it as the service was not good and it was cancelled in a correct procedure ( cancel request mac code etc). I asked for proof of the…
