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Bank sold my debt...
Hi newbie here, I had a debit/credit card back in the 90s when I was working, bank said I had to take ppi out as it would protect me if I lost job etc and keep my payments up you know the story lol. I eventually lost my job when the company went bust and I called bank n they weren't helpful. Eventually after struggling to…
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Sainsburys credit card
Hi I have an old Sainsburys credit card debt for around 7k but paying Wescot £15 per month. The default went on 3/4 years ago. What’s the best thing to do to get rid of this debt? Would they take a full & final offer? Has anyone had one accepted? Or do I have to start upping my payments to pay the full lot off? Not sure…
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Helping a vulnerable single mother
My mother was a foster carer, now retired. She (and I) are still in (distant) contact with some of her foster children, now grown up and continue to help them where we can. One of them, with special needs, low intelligence and vulnerable, a 27 year old single mother with 3 year old child who is not able to work and lives…
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Pending payments / interest charges - will this cause issues with a DMP?
Hey there, Hope this is the right place :smile: I’m very new to all of this, I’ve recently spoken to StepChange about help with my debts (~30k) and they’ve agreed to set up a DMP for me so I can pay it back, the DMP starts on the 1st September but I’ve noticed that I had some pending payments on one card go through and…
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Urgent: Resolvecall knocked the door and left a letter - Urgent
Hi experts, I urgently need in help on how to resolve this disputes and issues with creditors...Please read below what happened was and try to give me best answers Today Resolvecall knocked the door and my wife answered the intercom Resovlecall: Knocked the door and asking for Mr 'X' is there if not I will leave this…
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Does no documents mean no debts?
Hello everyone. This is a bit of a (actually a lot of a) long shot, but many years ago, due to job losses I defaulted on loan payments. I wasn't in a particularly good place at the time and didn't deal with it as I should have. The lender asked Drydensfairfax to take out a CCJ against me, which they did and I've been…
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Unenforceable Debts
hi hi can someone explain what debts would be unenforceable and can I pay these less attention than enforceable debts?
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Robinson Way chasing up an old CCJ from 2013
I had a CCJ awarded against me in Jan 2013 for a credit card debt - this has now dropped off my file and it's something I'd largely forgotten about. Robinson Way have now bought the debt, and have been sending letters and text messages about this - I appreciate that the CCJ is not eligible for being statued barred, but…
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Secured Loan with Evolution - No Statements
Hiya all, We are around half way through repaying a £9k secured loan with Evolution Money. The loan has a variable interest rate, was taken out over 6 years and had a ridiculous amount of admin fees added to it, but we went for it anyway because our credit score had taken a beating due to my husband’s employment suffering…
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Last chance to sort out my life - debt
I have been here a number of years and I'm too embarrassed to use my usual name. The COVID situation has made me feel extremely stressed and insecure financially and I just want to sort things out once and for all. I have an ok job and ran a small but successful business business until recently, however it is currently no…
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What small DFW things will you do w/c 10th August?
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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JBW/CDER Chasing Partner for Council Tax Debt that isn't his
My partner is being chased by JBW/CDER for debt that isn't his. He has a common first name and commonish surname. If you google you can find others with his name. He received a letter to his address asking him to contact about a matter so he emailed them to find out what it was and they sent over a statement of an account.…
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HELP Dont know what to do!
Hi im Ste , just looking for advice on how to proceed with our debt. Basically were in huge amount of debt with low income. I have been on token payments paying each creditor 10 pounds per month for the last 6 months. All have defaulted. Just looking for advice with the best way to approach it or just carry on as i am.…
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First timer here - need advice please credit card debt
Hi, we’ve got ourselves in a bit of a pickle finding that we’re spending pretty much what we earn. We have no defaults or missed payments and both are luckily on decent salaries. We don’t spend on luxury items and live fairly frugal lives. However, due to child care costs, maternity leave, a new house with higher…
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Needing help with PayPal related to a StepChange DMP
Hey folks!I wonder if I could get some advice from you. I have debts of approx 9K at the moment split between a couple of creditors, and because of the amount I owe and being on quite a low income I've decided to get in touch with StepChange to try and get everything under control. I also have £1400 in rent arrears,…
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Mature student on a DMP
Hi guys!, Ill try to keep it short. This September I’ll be transferring to the second year of a Bsc Chemistry. After getting my entitlement letter I will get almost £10 k during the academic year. I have being working at a supermarket for a year and have a 24h contract. I can pay for my DMP but I am on a little more than…
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I need a plan but can't think clearly where to go
Hi all Have made a few posts already but rather than do loads of others think it is time for accountability reasons as well as actually having a "plan" of some kind. I will post a full SOA in time when I have actually got full details of my debts (some have recently fallen off my credit reports so I am struggling for…
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Barclaycard repayment plan or default
hello i owe around 6400 on my Barclaycard right now and currently not working and dont envisage find work soon due to all thats going on. The monthly payment is really high now and i intended to phone Barclaycard to say i cant pay... Im currently on a three month freeze due to covid-19 which ends in late September. i was…
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SOA
I'm a long time member but am having trouble recovering my account. I've done the DF journey before but after many years of being in control I have slipped badly I am managing just over minimum payments but am struggling now I don't want to go down the dmp or similar route - I have always advised against consolidation but…
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PRA admitted debt is unenforceable next step?
Hi I have lots of debts I am trying to sort but if its ok have a few more specific questions one of which is this. I was recently in contact with PRA group to settle a much smaller debt at the same time they stated the following to me via email "Currently your account
reference xxxxxxxxxx is
classified as unenforceable,…
