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how to find my post
Whats a quick way to find my post?
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118 settlement amount / credit card
Hi everybody, I hope that it is ok to post here and you will forgive this post I am very nervous. To give some background I have had some major problems with my mental health which I think partly contributed to me making some really bad decisions especially around money management. About a year ago I decided I wanted to…
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Lowell chasing me for debts I don't owe
I would really appreciate help. Lowell have sent numerous letters stating that I owe money for accounts I held with Severn Trent and BT at a rental property I lived in 3 years ago. I sent them the "prove it" letter as I do not recall owing these debts. They have just sent letters back stating the dates of the accounts are…
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MMF & Moriarty law court claim
So I’ve actually received a court claim form today, short story is MMF have been chasing a debt from a PDL that I used to use about 5 years ago. Had letters like this before so just ignored them. About 6 months ago I started getting letters from Moriarty Law chasing the debt, after receiving a pre action letter I sent the…
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Full and final settlement
I'm just in the process of setting up a DMP after being in a token payment plan. I owe approx £18000 to several creditors. Due to the loss of a much loved family member ive found myself with £3000 via the disposal of the estate. Coincidentally 3 of my creditors have offered me full and final settlement. I could make these…
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Challenge is on !
I really really wanna clear my credit card debts and other small ones. I have 9k cc Table about 750 need to check In debts I want them cleared or as small as poss by dec 2019 Does any1 believe this is possible. I pay 200 per month on my debts more if i can ? I plan surveys and selling so far Im also training so can earn a…
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Hi looking for advice
Hi I wanted some advice for my cousin who’s not on this board so sAid I’d ask. He bought a new car on finance 2 months ago but has now been diagnosed with a condition which medically doesn’t allow him to drive. Is there anything he can do with this situation?
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Dealing with response from creditor
Hi, I received a pre-action protocol letter from a creditor (well, through FieldFisher LLP). I was a guarantor from a business loan, of £11k - the business has since dissolved. I replied saying that I acknowledged the debt, but I would need time to pay off. I sent a letter outlining all my other debts and expenses, and an…
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Help with figuring out when Statue barred starts (Overdraft)
Quick question could it be argued successfully that a formal demand is when the clock starts ticking on an old overdraft debt?
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What small DFW things will you do w/c 10th December?
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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Full & Final settlement options.
Hi I have been in a DMP with SC for a little over 2 years. I started with £22k debt and I'm now down to £10k. Both creditors defaulted me, one account is now with Cabot and the other is with HSBC repayment services. I owe £8k to HSBC and £2k to Cabot. Over the next year, I will be in a position where I can offer full and…
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Help please
Hi just after some advice. I'm on payment plans with 5 Creditors. 2 have defaulted me. Of the other 3: Next - I have been making £1 token payments for 5 months in a row. I missed a payment before this so they haven't received a min payment for 6 months. Stopped all charges and interest. Very catalogue - the same as next.…
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CCA Requests: Now or on Default?
Hello, When would you recommend sending CCA requests to creditors - just now (i.e. a few payments down) or upon default of the account and it is passed to a DCA? Also, I can't find a recent answer but is there a time limit on when a creditor has to provide a CCA upon your request or is it the simple thing that the debt is…
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Moriarty law / statute barred debt
Afternoon All, Sorry to bother you but I wonder if I could have some advise. My wife has received a letter from the above solicitors and whilst I have been unable to load the letter (personal data redacted). The salient points of their letter following their spiel and threats are as:- The particulars of the amount due…
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"Financial Control "
Hi! I hope that I'm ok posting this here. It's kind of a cry for help, but I'm really hoping that someone can empathise with my situation and, maybe, offer me some advice on how I can get out of this. I'd say I'm a long time lurker on these forums, but I'm more of a long time dipper in and out of these forums. I've taken a…
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Pay off personal loan 11 months early
Hi All I'll keep it brief, I took out a personal loan of 10,000 from Nationwide and have 11 more payments to make. The outstanding balance I believe is just over 3,000. I will call Nationwide on Monday to discuss but wondered if anyone here with experience with this sort of thing could tell me if there are any fees…
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Debt Collectors & Information Requirements
I have been recently chased for a debt from a couple of years ago. I have written back to the debt collectors and offered to pay a monthly sum I know that I can afford. They have written back saying they need me to complete an income and expenditure form before they can enter into a payment agreement. I have never been…
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In minus balance with bank, can i ask them to take it out of my next payment?
I have a minus balance of £150 on my bank account. Also I've got an incoming payment of about £200 this evening. I have a trip setup with my work this week which will earn me much more in the following week than i usually earn in a month back home. So its kind of an inconvenient time for them to take this payment. Can i…
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Payday loans debt spiral, need help
Hi, I feel that I need some advice before I make any decisions. Due to some financial problems since 2015 I took several payday loans, more than 20 and extremly high costs of loan got me to the point where I cant pay some bills. I was trying to avoid defaults so I was talking more payday loans to cover gap after another…
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Dmp to debt free stratergy
My partner is currently in a stepchange plan and has debt of circa 19k (from looking at her credit report) all are in default ATM so intrest frozen which is good. This is split as below. Wescott 7.6k Zopa 5.8k Pra 1.3k Capital one 472 Wescot 175 Studio 163 Tesco 155 New day 100 She pays around £196 a month so will be debt…
