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Defaulting credit cards
Hoping I can get some advice as I am now struggling with spiralling debt and its having a massive impact on my moods just now. I have completely acknowledged the extent of my debt - around 50k - and I have been making payments to everything until recently where I have found myself in my overdraft, eating up all my income…
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Debt Collector referred back to SSE
Hi all, I've been fighting a large estimated final bill from SSE over a year ago which was referred to a debt collector after a deadlock. I then sent them an email showing how SSE failed to calculate an accurate final gas account and that a year has passed since (so Ofgem rules on backbilling make this bill invalid). I…
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Statute barred credit card
I completed a letter before claim form asking for CCA in feb 2019, they wrote back saying that the account was on hold until it is found. The debt will now be statute barred tomorrow 23rd July 2020. If they find the CCA after this date am I right in thinking that it will indeed be statute barred and they are too late to go…
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Maintaining Motivation
So, having come clean to my OH about my credit cards in advance of our desire to remortgage in August, we have consolidated the worst into a loan with a fixed payment, used some savings to clear the rest and set up a clear budget that assigns both expenses, savings and debt payments clearly. I have set up a Monzo account…
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Arrow Global advice please
Hi, I am after some advice please from you lovely people. For the last 5 months arrow global have been putting missed payments on my credit file for what looks like a credit account dating back to 2011. I know nothing about this and have not made any payments towards this previously. I have emailed arrow global and written…
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Breaking away from step change, aiming Full and final settlements
Hello All, i have been on a long journey with my debts. It’s getting tiring, but nearly there. Originally I owed 60k and over the last 5 years with step change I have brought this down to 20k. i have not had it easy, I saved money until recently by staying in a house share, not very nice at 39 years old. I still run the…
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Requesting CCA from Cabot
Hi All! A year ago I requested a copy of my credit card CCA from Halifax, which unfortunately they were able to provide (damn you Halifax for keeping your paperwork so organised!). Since then they've sold the debt to Cabot. If I was to now ask Cabot for a copy of the CCA how likely would they be able to produce it? Would…
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Sorted now
Sorted now thanks
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Overseas and in debt
Hi everyone,I would like to explain my situation a little. I spend most of my 20s gradually increasing my debt without my income to the point where it was about £11,000 which was completely unsustainable at the time. I was making minimum payments and doing money transfers to keep up those minimum payments, using up my…
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Full & Final, CCA's and CCJ's
First time poster, I'll try and keep it as brief as possible! Been on a DMP with Stepchange for over 7 years, still a way to go, majority of debts have now fell off my file after defaulting 6+ years ago, never had a CCJ. I've paid off about half of my debt since being on a DMP, to be fair Stepchange have been great over…
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Is now a good time to offer a 'Full & Final Settlement' to a Debt Company?
Hi All! I was hoping maybe somebody had some recent knowledge or insight that could help me with this? I'm in a position where I can possibly make a F&F offer on my debts with Cabot (they own the debts). They've declined my offer in the past, but I was wondering if because of the current situation they may reconsider, or…
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Debt Free/Reducing monthly payments
I have a couple of loans due to be paid off in 2023 and I am currently paying a significant amount each month on both those loans. I want to reduce my monthly payments to make it easier for myself each month. Would you advise getting a loan out over say 10-15 years, paying off these current loans and then having lower…
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Payday Lenders Success - Irresponsible Lending
I got into large debt which spiralled out of control with payday lenders. This was after a divorce and being left to run my home on my own. I had low credit scores at time of taking out the loans and a large number of payday lenders all waiting to be paid on my credit files at the same time. After years of struggling to…
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Remortgage with telling husband about credit cards?
Our fixed term mortgage comes to an end in August and we would like to remortgage. I have a ‘good’ credit score (according to my free Experian score) and we have lots of equity so shouldn’t have a problem getting a good deal, however I have credit card debt my husband doesn’t know about. He earns 3 times what I do and he…
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What DFW things will you do w/c 20th July?
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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Charging order for credit card debt not paid on sale of property
In 2009 my house was repossessed and I had a charge against it. Last week I had letters and phone call saying I owed 3k on a credit card which was the subject of the charge on house. I assumed it had been paid as I have heard nothing for over 10 years but they are now saying charge was not paid and I owe them money.Any…
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Debt Journey starting out - SOA included
Hello, I am just starting out on our 'debt free' journey with my husband. We have only recently realised how bad our debt situation is, previously thinking we owed around £10k (which I understand is fairly bad) and then on working it out properly, realising we owe £25, 834.27. After lots of sleepless nights and worrying,…
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ACI collection?
Asking on behalf of a friend who is not internet savvy. She is being bled dry by her son who claims ACI are taking control of his bank account and charging £30 a day from him for 'credit reports'. Which he is stinging her for. Sounds unlikely to me. I have googled and they look like a fee paying debt management co.Anyone…
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Want to settle - jumping through hoops?
Hi people, Hope you are all well and still somewhat sane:P After having had about 4 cards with debts on them for quite some time, I was fortunate to be able to clear 3 of them earlier this year through a windfall. The 4th one, which was from Halifax and being managed Robinson Way, was transferred to another collector in…
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Moved: Repayment of employers overpayments via wages: HMRC reported gross salary, NI and tax
This discussion has been moved.
