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DMP question
I have been paying my DM since September 2019, with no problems all the creditors stopped the interest. mbna are now adding interest to my debt. Any advice on a way forward?
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Cabot Cca Request Help
Hi there, I wondered if anyone could help.I have recently sent 2 recorded delivery cca requests to Cabot Financial Ltd. One to the advertised post address, one to the registered office address, but on the tracking they both come up as return to sender?Im not really sure what to do next.I have found another address…
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Tip
Sometimes
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Advice requested re DMP and unenforceable debts
Hi everyone, I’d be really grateful for your advice on (at last) clearing my DMP. I started my DMP over seven years ago. I’ve been religiously making my payments via Stepchange and my defaults have now fallen off. I’m in a much better position financially and my credit score is now pretty darn good. I have a bit of spare…
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Robin Hood Energy & Debt Collectors
Hi there, a newbie and looking for some advice! There are a few answers around this subject already but there a few conflicting answers. I have received a text message & answer phone message from Credit Style requesting me to contact them urgently with a reference number. A bit of digging and I think it relates to an…
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Help with Dryden's Fairfax
This discussion was created from comments split from: Debt and Mental Health - How have your debts affected you?.
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I owe companies - its about income & expenses ?
hi all. Hope everyone is fine and keeping safe ? I have some debts with companies like santander, capital one etc + arrears on 2-3 other companies. which roughly amounts to £5100. i APPROACHED CITIZENS ADVISE AND THEY HELPED ME SINCE THE START Until we went through my income (which is Universal credit & PIP) and…
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Overpaying mortgage vs paying into pension
Hi all,This is a rather specialist question I guess.My mortage doesn't actually finish until I'm 69. Initially, the idea was that if we overpay £100 odd a month, then I'd be able to retire mortgage free.My pension is currently making over 5% a year interest. Mortgage interest is currently 2%. Am I right in thinking I'd be…
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how do i find out the exact date of a default
I have a debt that i havnt paid anything on for four years and its showing on clearscore as defaulted but not the date. i dont want to contact the dca and stir things up, can i find the date of default?
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CCA £1 charge
Hello all I am requesting CCAs. I read that you should always use postal orders instead of cheques from your current account and not sign the letter. Is this true? Many thanks
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Lowell - Credit File and Statute Barred
Hi I have 3 accounts which were sold to Lowell. They have all been with Lowell between 4-5 years now. I have not paid anything to them at any stage and I also did the 3 letter process but they did not wipe the balance like they do a lot of people. So the continued “missed payments” on my credit file is keeping my score…
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Advice please
Good morning. I wonder if I could ask for help please. I have a loan outstanding for just over £3K to pay it off will cost me £20 should I bother paying it off in full or just leave until payments end (nov 2022) I just don’t know what to do. I have savings hence I can pay it off if I wanted to . Any help would be very…
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Debt Advice Appreciated
Hi All, My story seems to be similar to a few people on this forum in that over a number of years my debt had gradually increased and had been juggling the debt across 0% interest cards without taking into consideration what was actually happening. It was around October last year that reality dawned on me and I was about…
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What small DFW things will you do this week 17/05/21?
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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Will paying of debt l, make things worse ?
Hi I am looking for some advice. Me and my hubby were in the financial pits of hell for years. We had our turning point last year and are clearing all the debt. We now have this amazing 2.8 Apr loan from tsb to finish clearing everything and would be finished in three years time . To be completely debt free would be…
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Debt consolidation loan?
Hi everyone hope your all well I'm looking for any advice My credit rating is slowly going back up after taking out small door step loans and a sim only contract But I still have alot of debt that I just wouldn't know where to start to clear off I don't want to declare myself bankrupt to clear these debts there for small…
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Lowell
I received a letter from Lowell on Friday offering me a 90% discount on £1600 debt. I actually have 6 debts in total all with Lowell so I called them to ask about a discount on the others the guy was like no. I called them back today asking the same question and they’ve now applied the 90% discount to them all saving me…
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Found I have a ccj
Hi all, The parking forum suggested I post here. I found I have a ccj issued mid April this year when I checked my credit report today. We moved house 18 months ago and I guess the court papers went to our old address. The fine is under £200. I realise I could probably ask for it to be set aside at a cost of £225, but…
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Coud this be withdrawn
Hi Everyone, As part of our snowball method we are lucky to have quite a big chunk of our debt on 2 barclaycards that have an offer of 6.9% for the life of the balance. This is good as it saves us a lot of potential interest. We're doing a snowball method so at the moment we are just paying the minimum on these 2 cards and…
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Penalty charge/fee for paying off an interest free debt early?
I have what they call a managed loan from hsbc for a card i got into difficulty a few years ago. They kindly agreed to freeze the card and the interest and let me pay it off monthly over a few years. I have about 20 months left to go at £80 a month, paying no interest until its cleared. I could easily pay it all off today…
