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Debt-free wannabe

Archives for January 2019

What is this refund for?
Hi, Ive received three letters in the past few weeks in my maiden name with a cheque attached for a credit card interest refund for a smallish amount. I have been married 10 years and never as far as I know had a credit card with this company. I have lived at my current address nearly 11 years and certainly never had a…
Debt collectors rights to see your bank statement
Hi, Ok I'll make this short. Me and my wife have a mortgage shortfall of about £10,000. Its been passed to a collection agency. WE currently pay £5 a month, which is manageable, but not more than that as my wife is disabled and I'm out of work for ill health myself, and have since become her carer. So money is tight. We…
Recommended settlement figures for Collection Companies
Hello All, I got myself into a terrible mess in 2012. I have three outstanding debts relating to accounts defaulted that year. I have kept up regular monthly payments for 6 years and my outstanding balances are - Moorcroft - Lloyds Bank - £7k Robinson Way - Barclaycard - £2k Fredrickson - Capital One - £1.6k Any…
A little help transferring store cards onto 0% card
I was wondering if anyone could help me out here. I have a couple of old store cards that I wanted to put over onto a 0% card. They say that you can only put ones over that are Visa cards, but neither one of them are. OK I thought, I will pay them with a credit card that's going to go over too, so it'll all be over on the…
Full credit report best option
Ignore this question-see below for updated query about default dates and active accounts. So I’ve used the credit club to see my report. My score has gone down despite paying off more debts so I want to check my full report. Is Experian expert (30day free trial) the best option, is it easy to cancel during that time? Or is…
small claims
I split with my partner last year, and as he owed me around £4000- he agreed to pay me £200 per month. I set up a spreadsheet which he agreed to (all via email), but surprise surprise, he hasn't paid me a penny. The debt was made up of credit card (he was an additional cardholder on my account) and money I lent him to get…
Returned postal order PRA
Hi I sent off various CCA requests last week and just had an acknowledgment from PRA saying they don’t charge the £1 fee to their customers. I sent a postal order which has been returned. As i’ve already paid for it and it has their name can I do anything with it? 🤷!♀️ I’m not sure if it has been ‘crossed’ it was made out…
Chased for debt that isn't ours
Hi all, Following on from another thread, and based on a letter we've had through the post, I just wanted some collective thoughts on an issue. My wife and I received a letter through the post from a debt collection agency - Court Enforcement Services - addressed to my brother-in-laws girlfriend. Around three years ago,…
Joint debt
My wife and I acceued debt of £18,000 whilst married. We are now divorced. Conveniently the debt is all in my name. How can I make her take responsibility for her share of this debt?
What's the Minimum payment (eg £1?) you can you give a Debt company (Intrum UK finance limited)
When you owe a debt to a debt collection company, (Intrum UK finance limited) what is the minimum monthly payment you can give them to them a month if you cannot afford to give alot? £1? 1) if you give £1 can they reject it? 2) If you set up £1 a month by direct debit (with your ref number), and you pay it monthly, are…
Advice please re old debt
Good evening 6 years ago I Owned a house that was rented out . A tenant moved out and at the sane time I was ill . Sadly I ended up having the house repossessed . The mortgage company Northern Rock sold the property via auction . I heard no more until a month ago I received a letter saying there was a shortfall in the…
Under what circumstances do you do a CCA request?
I see plenty talk about CCA letters, enforceable and non enforceable. But how do I know if it's something I should get doing? Thanks
I wanna do it but not sure if I’m in the right or not
So my dad got me in debt with a talk talk WiFi bill. He took it out in my name but he paid for it so all the bank details on the account are in his name. I received a phone call from Lowell, and they explained this debt to me. As you can imagine I was pretty upset that my own dad has it in him to get me into a large amount…
Help pls re response to prove it letter.
Hello, I sent a ‘prove it’ letter to a dc company who had contacted me regarding a debt I don’t recognise. I sent it via email and have received a reply asking me to confirm my DOB, any previous names, previous addresses for the past 6 years and current address. Do they really need all this info to avoid a data protection…
What to Pay Off ..Almost there
Hi there, I have been looking for advice for repaying my debt, I understand paying off the highest interest & snowball but this is my situation. I am self employed hence the business loans My debts 3k Credit Card - Interest Free for another 3 years 8.7k Loan - 5.20% (£325 per mth)(1.5 year left) £22,146.73 Funding Circle…
Partial settlent
So today wescot have accepted a partial settlement. I had a loan with natwest in 2012 and defaulted in 2013. I have been on a dmp since and paying £10 a month to wescot. A few weeks ago i emailed wescot offering a partial settlement. After a few emails wescot agreed to it and stated that natwest will only accept…
Need some guidance on responding to bwlegal
Hi all, I received a letter of claim today from BWLegal threatening a CCJ if I don't respond within 30 days. They name their client as PRAC Financial, and the original creditor as The Money Shop. I genuinely can't remember taking out this loan with The Money Shop, or owing them money. The last time I set foot in The Money…
Link Financial
Hi everyone, I’m new to this, so bear with me. I had student loans with SLC from 96-99. So 3 in total. Between moving house and all manner of life, I didn’t defer from 2011-2017. I got a letter to deferat Easter 2017. I put it to one side and thought I would deal with it after Easter as we just got the news that my dad was…
DMP and Next Steps
Hi All, Just looking for some advice, I`m currently on a debt management plan which started around 2009. I still currently owe around £7000 across 3 creditors. I finally got around to checking my credit file and it has no history of these debts. I have a little bit of money around £2000 from an inheritance and would like…
Husband left me with debt
Hello, I split from my husband 2 1/2 years ago. Just over £10,000 of credit card debt was in my name and he hasn’t paid a penny of it so far. I have increased this to £15,000 being silly and just continuing to live as I was with 2 paying the bills. Being a full time student on a bursary, I am now really starting to…

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MSE News

Ofgem proposes new 'no standing charge' Price Cap – but Martin Lewis warns vulnerable customers need to be opted in or it won't work
Ofgem has today launched detailed proposals for a major shake up to its Energy Price Cap that dictates the price over 80% of homes in England, Scotland and Wales pay for their energy bills.
Lloyds, Halifax and Bank of Scotland to cut overdraft rates for millions but hike them for others – here's what's happening and full help
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Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
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Martin Lewis: At last a chance to fix Council Tax flaws impacting millions – debt collection, difficulty challenging your band, discounts and more
Major flaws in the Council Tax system in England could finally be fixed in future, as the Government has launched a wide-ranging consultation to review hideous debt collection practices, the difficulty of challenging your band, the overly complex and horribly-named Severe Mental Impairment discount and more. MoneySavingExpert.com founder Martin Lewis, who has long campaigned on these issues, shares his response and analysis.
Energy complaints to be dealt with more quickly and Energy Ombudsman to get new powers under Government plans
If you have a complaint about your energy firm, it may be resolved more quickly in future, as the Government has announced a raft of proposals to strengthen consumer protections in the energy market. The planned changes include giving the Energy Ombudsman new powers to force firms to comply with its decisions – but it's still very early days. Here's what we know so far.
Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
Around 2.7 million more households, including 900,000 families with children, will become eligible for the £150 Warm Home Discount this winter, as the Government has confirmed it will remove the existing 'hard to heat' eligibility criteria. The extension has only been confirmed for winter 2025/26, with further changes possible for future years.
Base rate held at 4.25% – here's what it means and when it might be cut next
The Bank of England has held the base rate at 4.25%. Below we explain why, when it might be cut, plus what it means for your mortgage and savings.
Applied for South West Trains 'boundary fares' compensation? Act now to claim it
If you applied for compensation from South West Trains before the deadline in January 2025, you now need to provide your bank details to the claim administrator so it can be paid to you. Here's what you need to know.
Winter Fuel Payments to be reinstated for millions – Martin Lewis explains how it'll work, what it means and if it's an improvement
All State Pensioners in England and Wales will receive a Winter Fuel Payment this winter, though those who earn over £35,000 will see it clawed back through the tax system. It means nine million pensioners will get the £200 or £300 top-up. Here MoneySavingExpert.com founder Martin Lewis shares his instant response and analysis, and we include answers to your key questions.

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