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Progressive consolidation loan missold?
Has anyone had a complaint against progressive money? We ended up in the position a few years back where we quickly needed to travel abroad for a funeral, we didn’t have the money and at the time were in debt with lots of payday lenders credit cards and other short term loans (two of these were with lending stream )…
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Being chased by Reston's for money owed to Spark, but never used them
Last week i got a letter from Reston's Solicitors acting on behalf of Azzuro Associates ltd who have apparently bought my outstanding debt balance from Spark Energy, for £300-odd. I have never had an energy account with Spark, the nearest I got was when an estate agent tried to force us to use them in a property we were…
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Negotiating with Debt purchasers to remove restrictions on registry
Hi, first, thank you for taking the time to read this. Second, my apologies if this has been posted in the past. I tried searching but got a bit overwhelmed. I've submitted TR1FORM to Land Registry but need to have restrictions on my ex husband's interest removed before it goes through. He's not part of the picture…
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TSB not giving any type of repayment plan
Hi, I have a loan with TSB and due to a few personal reasons, I’ve been swimming in debt and have started a self managed DMP with all of my creditors individually. However, TSB are the ones causing me grief. I’ve phoned twice with my income and expenditure and they said there’s nothing they can do to help me and to contact…
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Unaffordable lending claim help please
Hi...I took out a loan with NatWest after I got myself into debt and wanted the loan to help pay my credit cards as I was maxed out and no longer enjoying low interest rates. This loan was the last credit I took out. Within months I fell into difficulty and ended up defaulting on all my cards and loan. I turned to…
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Default on credit file 10 years after entering a DMP
Hi i am hoping someone can help! In my youngest (much less wiser) days I got into a bit of debt and struggled with the repayments. I therefore entered into a debt management plan around 2011, I am still in this plan making regular monthly payments and I haven’t missed a single one. Now my issue is one of the debts was sold…
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Is there ever 'not enough money' to pay down debt and start saving?
I really want to get all my financial affairs in order, but it feels impossible when there's practically no money coming in, and so much going out. Is it ever a hopeless cause? I'm a single parent to a 4 year old. I no longer work due to disability, but don't get any disability benefits as I'm no good at the interviews for…
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Halifax default
A debt company have bought my Halifax credit card debt but Halifax have not removed their default from my credit file. Seeing as they are no longer the data controller can they keep the default on my credit file? As I now have two entries for the same debt on my file. Any help would be appreciated :smile:
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It's been a while since I posted...
Hi All, I think I posted in the Autumn of 2020 so thought it was time I recorded my progress: My credit card debt is now £9.2K across 2 interest free cards; it was £29K at the start of 2020. I was planning for July-2021 for the final card payment but a purchase a £5K computer has put me back a few months. So hopefully…
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Debt help required!!!
Hi everyone I hope I am in the right place! I am wanting some information on the best way to proceed. I have a number of credit cards, 6 in total. 2 are interest free and the other 6 aren't. Their combined balances are around £8800 and their APR's range from 18.9% to 27.9%. I have tried to get balance transfer credit cards…
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Financial Abuse & Coercive Control - Can I get Credit Card Debt written off?
Hi Martin - do you have any advice to help me approach Credit Card companies to get at least some of my Credit Card debt written off? I was with a coercive controller, who slowly but surely exhausted my financial means, including my credit, to the tune of over 70k. I am now with Stepchange and paying it off very slowly,…
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Not sure where to start - advice needed please!
So, last month I lost my main source of income due to redundancy (with a weeks redundancy pay) and now I'm wondering how to make it through the next month without adding too much to my existing debt. I do have a small side hustle that pays circa £500 a month, but there really isn't any room to expand that and make more…
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How to manage my DMP after losing my job?
I am looking for some advice on my current financial situation.Just over a month ago I voluntarily left a full time position of work due to certain circumstances. The problem is that I am currently contracted into a debt management plan with Trust Deed Scotland aka Harper McDermott. I have been paying into the plan since…
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Clearing Debt - Partial Outstanding Balance Offer
Hi Due to some bad life choices, I currently have a large amount of debt which I have 'allowed' to build up over many years. Following the recent sale of a house I now have some money to address the debt and hopefully get my life back on track. I understand from a work colleague that it is possible to contact my debtors…
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MSE News: New help for millions in debt crisis - you can now get two months' 'breathing space'
New rules giving those in England and Wales who are struggling with problem debt a 60-day grace period to get their finances back under control come into force today, in a huge victory for MoneySavingExpert.com and others who've campaigned hard on the issue. Read the full story: 'New help for millions in debt crisis as…
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poor eligibility
Hi Everyone, We are about 8 months into our Debt free journey and making good progress. I decided to look for a 0% card as some of our deals are coming to an end. This would be to transfer existing debt as opposed to building up more debt. We have not added to our debt since the start of our journey and we intend to stick…
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What small DFW things will you do this week 03/05/21?
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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Moorcroft account passed back to original creditor???
Good Afternoon, An account I had with Lloyds defaulted and was passed to Moorcroft a few years ago. Until July last year, when my wife was made redundant, there was a small monthly payment to Moorcroft. I signed in to my Moorcroft account a couple of days ago to check the outstanding balance to find my account no longer…
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CCA request - Moorcroft
Hi guys. I sent a letter by recorded delivery to Moorcroft, requesting a copy of the CCA and attaching a £1 PO. I have confirmation this was signed for by Moorcroft and they have now written to me. Their letter states they will not comply with the request as I did not send £1 for this. I am 100% certain it was enclosed, in…
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Keeping statute barred debt alive
Hi, I recall hearing a rumour sometime back that debt recovery companies have a way of alerting credit companies and credit reporting agencies that someone has a statute barred debt. They will conduct audits and credit checks in a specific pattern, like once every 30 days, then 45 days and keep repeating this. It sounds…
