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Help with Lowell please
Wife is being harrassed by Lowell for a Capital One debt, that has now gone from £200,to £400 with court costs. Debt is over 9 years old.After being advised.I have sent them a total of 3 Statue barred letters.One by recoded delivery. They totally ignore them all .They dont even acknowledge recieving them. Wife recieved an…
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Today is a good day.
I had a debt of £5,462. I have paid off today £1,972. Leaving me with only £3,490. Closing the credit card before the interest free period was due to expire next week. :beer: I just wanted to share my experience so far.:money:
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Reston Solicitors
4 years ago I was made redundant due to fraud making the organisation I worked for insolvent - at very short notice, with very little savings and it took 7 months for statutory redundancy to come through.. i went to Citizen's Advice Bureau regarding my debts credit cards, shop cards etc - and they set up a payment plan for…
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Letter from Westcot - Co-Op Career Development Loan
Hi everyone I've just got a letter from Westcot advising that they've taken over my career development loan debt. I had been paying it off at £90 per month through Stepchange for almost a year and thought everything was in order. This letter (and two automated calls to landline and mobile) is the first I've been made aware…
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What small DFW things will you do w/c 12th November?
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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Settling a credit card
I’ve recently come into some money that I’m hoping to pay off some credit card debit with. I want to call them and see if they will accept a lower amount, the debit is newly 2 years old and I’ve only paid off £100 on £3.5k, never missed a payment, just kept using the card! My only fear is that me and my girlfriend are…
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Quick question?
Do virgin money(savings) have any links with other banks/lenders? Thanks for any replies
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Rundles - Council tax debt
Good afternoon, I've just received a letter from Rundles in which they are announcing the "removal of your goods for sale at public auction". They also mention that they previously attended our property and identified goods, with a view to taking control of them. First of all, the outstanding debts were on my partners' and…
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My light-bulb moment, need help
Hello everyone, I recently had my ‘light-bulb’ moment in life. I’m looking for a bit of advice. I feel so ashamed and so embarrassed by my situation. Here’s a little bit about me: I’m 32 and in £6,175 worth of debt. I have mental health problems, in particular depression, generalised anxiety, social anxiety and OCD and…
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Utility Warehouse & Churchill recovery solutions
Hi, I got a call from Churchill recovery solutions on behalf of Utility Warehouse and I'm a bit worried, I'll explain the situation: 2 years ago I moved into a flat in Glasgow from Spain, the flat utility bills were with Utility Warehouse before my flatmates and I moved so we continued with them; I didn't have a bank…
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Cabot Texting Me Now? What Shall I Do?
Hi there guys; So, as a lot of people will know on here, I have stopped paying Cabot Financial my monthly instalments (as of April 2018) via "Step Change" (I rang and instructed Step Change to cease all payments) as Cabot STILL have NOT supplied me with the original Credit Card contract/credit agreement, and have written…
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Credit card balance transfer
Sorry, I feel I'm spamming this forum today a little but I'm hoping someone can help. I currently pay £118.31 to a Curry's store card (called YourPlan or Creation Consumer Finance) at 19% interest. The balance is currently £1,770.10. On my credit report it always falls under credit card, so I'm wondering if it's possible…
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Wescot Help
Hi all, I'm just looking for some advice on dealing with Wescot and perhaps to hear from others who have dealt with them? As a bit of background, I took out a Career and Development loan in 2013 for my Masters. You start paying back the CDL after you finish the course, which I did December 2015 and my payments began from…
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Have you ever hidden a debt from your family?
How did you deal with it? How did you talk to your family about it? What tips do you have for others who are hiding debt? #TalkMoney This thread is part of a Hub post aimed at helping people new to personal finance start a conversation on it. It’s aimed at newbies, so please be patient with anyone posting on here. We’re…
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Claiming Money Owed
Hi, I recently won a set aside judgement (against a parking company) and the court ordered the claimant to pay the defendant (me) the court fee (£255). 1. The original claim was completely baseless. I have proved to the court that I didn't own the vehicle or even live in the country at the time of offence. I've had to…
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Stepchange have cancelled my plan - advice needed
Hi everyone, I am needing some advice as I am panicking badly. I had a letter from step change out of the blue to say my plan was cancelled. I believe a direct debit was missed and it was a shock to me as I thought the direct debit had been collected. SC have my email, they have my telephone number. I don't get why they…
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N245 advice
Hi, Long time lurker (and on CAC) now need some very valuable advice. Long story short, personally secured a debt of £18,140 as a company director making me personally liable. This has now gone as far as a High Court Writ of Control. I can afford £150 a month given circumstances now as that business failed, and I had to…
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Cabbot financial help
Help .. my debt management plan have left me in the lurch was supposed to be debt free after 5 years, NINE YEARS AGO !.. now they’re not trading and the largest of all my debts is the last remaining and still stands at 17.6k �� The debt was originally a loan and an overdraft which I believe were merged at…
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How to change the pre-action Conduct for debt
Hi All Can someone please advise me how I would go about getting the Pre-Action Protocol for debt changed. As things stand now a debt collection company can take an aged debt and take you to Court to obtain a "back door CCJ" by sending the paperwork to an address you were at 15 years ago, even if the original owner and…
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Hoist Data Protection Issue GDPR
Hi All I recently started getting a whole load of letters from Hoist number 1 2 and whatever, it seems they own or acquired Robinson Way and now own the right to continue to harass me for my aged debts, well good luck to them on that. Then they wrote saying they had failed to send me statements for 5 years but were doing…
