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Debt company chasing me
Hello everyone, fantastic website. looking for advice regarding a company called Shoosmiths who have sent me a letter regarding £1700 on an unpaid credit card. I stay in Scotland and they are threatening me with all kinds of actions, eg wage arrestment,freezing my bank account etc. I suffer from severe mental health and…
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Debt free
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Getting free of Debt collectors
a few years ago I signed up for a 3 SIM card, never used it and called and cancelled within the 30 day timeframe. Didn’t owe anything. 12 month later I get bill and demands for £300. I call and explain that I cancelled in time and never used. I thought the end. 9 months later I get debt collectors letter who then call and…
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Difference between Charing Order and Restriction?
As title states just wondering what is the difference between charging order and a restriction attached to a property? Also is it true they expire after 12 years?
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PRA Group declined offer even though unenforceable
Hi there hoping someone can help. I have debt with PRA £1799.02 the debt is no longer on my credit file and they have confirmed the debt is unenforceable. I tried my luck and said I can get £200 together to clear this debt and they have come back to me saying.. "We appreciate your offer of £200.00 offer, however it is…
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Any advice appreciated
Hi guys. Abit of a back story, a rough break up saw me take loans out to make myself feel better spending wise and drinking wise. But in the long run screwed me over as it eventually saw me taking loans out to do the basics in the life ie pay rent. I will be mostly debt free at the end of September with one loan left…
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Moved: 2020 1% challenge
This discussion has been moved.
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Debt with final charging order
Hi all I currently have one out of five debts with the highest being £6,300 totalling approx 9k. The debt was originally a car on a HPI with London and Surrey finance back in 2012 at £3,200 but once it went through the courts it's now doubled. I'm currently paying £20pm to greenhalgh kerr solicitors to cover this. I've…
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Default but not all cards?
Hi everyone :) I did try to find info on this as I'm sure it must have been asked before, but I couldn't find anything.. Long story short, the epidemic has devastated my self employed income and unfortunately my sector will take a long time to recover. I have decided (using lots of advice in this forum) that the best…
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DMP advice required.
Hi, I've been a member on here for quite some time but generally just a reader to get advice. Now is the time that I could do with some advice. In a nutshell, due to issues with gambling and mental health over the years, I have run up huge credit card debts (approx £36k). I am completely ashamed of myself but as an…
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Confused do I have to pay.
I have a debt that doesn't appear on my credit file as it's old, do I need to continue paying it as it's not impacting my file. aive asked the debt collection agency and their response is attached. I understand it's my debt but I would rather pay more on the debts impacting my credit report than ome that has no effect.
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Creditor's reply to my offer on an unenforceable debt - advice sought, please
I wrote to all my creditors on a DMP I've been in for more than 10 years now. All wrote back and said there was no CCA so the debts were unenforceable. Cabot continue to make me offers of 30% to clear the three debts with them. All wrote back with what appears to be a standard response, saying the debt was still…
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Has my debt been re-sold?
Hello, I had some very old debt with Argos for £450 that got sold to ArrowGlobal Ltd who had Moorcroft Debt Recovery Ltd manage my account on Arrow's behalf. I used the 3-stage letter process, asking Moorcroft to provide some evidence which they couldn't so they closed my account. Less than a week later I get a letter from…
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Intrum
Hi, DH received a letter from Intrum today regarding a debt they say they purchased in 2008. The letter states that the period for court action has expired (as it's obviously more than 6 years ago) but says they are 'legally within their rights to continue to ask for repayment'. Do we simply ignore or should we send a…
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Debt letter for a 10 year old debt
Hi all In 2010 i had some personal issues in my life and went off the radar for around 3-4 years , i stopped paying all my debts and lost my flat etc. Today I have had a letter from a debt company asking for 3.7k for an old Barclaycard , the tone of the letter is very gentle with no mention of court or CCJ etc but just…
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What DFW small things will you do week 18/05?
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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What to do with 500
Hi all Due to lack of commuting to work I have more money this month. I am now out of overdraft (just) I have £500 interest free until July. Normally it costs me £6/7pm to use it. My question is do I: 1) get rid of the o/d and feel better about not having negative numbers with the bank account. 2) put it towards my big cc…
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Debt
Hi ,I'm in debt of over £23000,I've got a large tax rebate of £10,500 coming which I hope will help pay my debts off ,but the worry i have is I've just checked my credit report and it says that creditsafe limited have done a search on me for debt collection,I'm now worried sick does this mean I'll have debt collectors at…
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Please help ...
Hi everyone, I’m new to this and feeling in a pretty low place. To cut a long story short, we recently bought a house which we renovated. We were lucky enough to have a lump some of cash to do this with as we had saved and had equity from a house sale. Whilst doing the renovation, we took advantage of a few interest free…
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Help! Paying off debts early cheaper or not?
Hi please can someone help. I’m wanting to get a mortgage at some point. I’m in a self employed good paying job which I’m happy to remain in but I have about £4500 of debt. Catalogues...credit card...etc. I’ve mmmm half way through the 6years of it being wiped off my credit file from when I last received defaults on them…
