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Help and advice please, second charges on property
Hi, I wonder if anybody can help. I .will be as concise as possible Around 2000 my wife and I got into lots of credit card debt, this resulted in CCJ's and 4 second charges taken out on out property. I have checked the report from Land Registry. I can see these listed as "Interim" charging orders. My assumption was that…
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Debt advice please
Hi, I am looking for some debt advice. Is there anywhere I can contact that isn’t going as far as going to a debt charity where it then impacts on your credit file due to reducing payments/defaulting etc. We currently keep up with all our payments and have a good credit rating but are being hit with high interest by…
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Overdale solicitors
Hi. Newbie here. Got a claim letter from court. 2 debts. 1st a doorstep loan 2nd EE phone contract. Overdale solicitors taking me to court. I have returned letter to court to request the extra 14 days to defend. Sent a cca letter to overdales . Had a reply saying. The EE contract is not covered by cca 1974 so they do not…
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Attachment of Earnings
Hi, Looking for some advice please as I’m really lost and scared. I’ve received a form in the post today for an attachment of earnings order. It relates to a very old debt that was a ccj around 7 years ago (it’s never been repaid, stupid I know, something I’m not proud of). I’ve completed the form straight away with my…
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Default dates
Hi, I am currently on a DMP with Stepchange for two credit card debts that defaulted in Feb 2017. Will these debts be wiped from my credit file in Feb 2022 (five years from first default date) or does each month until they are paid count as a default date? BTW these debts will not be paid off by Feb 2022, my plan is due to…
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UPS and Debt Recovery Agency
Hi all, Apologies if this is the wrong forum. I'm not sure if this post is a request for help, a rant, or a warning to others! I placed an order from a Swedish company back in December. I had an email from UPS saying the package wouldn't be delivered unless I paid double what the package cost in Import/Export duty. I…
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Naive and not sure of best way to act - some advise would be appreciated, even if its hard to hear.
Hello! Okay, i'll just start at the beginning and hopefully cover all the information needed to try and help ease my mind a little. In 2015, I was doing undergraduate and swapped my Natwest current account to a student account. I had the Natwest account since I was 15. With the student account, I was able to apply for a…
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How to pay debt back
I have been with Scottish power for a few years now, previously I had a gas and electricity account with debt combined of £2000 + Both were prepayment metres, my plan was to change both metres to dry one but I couldn’t change my gas one as this had the bulk of the debt but the gas metre was having problems topping up and…
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Credit Card Debt
Hi, first time poster here, although have been reading for a while. We currently have 41k owing (35k cc and 6k o/d) Minimum payments wipe us out each month. (not much on 0%) 43k Mortgage on a 175k property. 5yrs term left. Is there any possible way out of this other than borrowing on the house? I've read all the advice…
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Moved: Looking for advice
This discussion has been moved.
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What small DFW things will you do this week 28/06?
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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Don't know where to start and it just gets worse and worse.
Hello I've decided to post on here after reading the info about debts on the website. I really don't know where to go with my debt at the minute and I'm spiralling. I bought my first home five years ago and started off just needing furniture, which went on the cards. I also started a new job which involved taking service…
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Let`s get out of debt
I am tired of scraping through each month, Worrying about money and would like to have some freedom with my money without the worry of debt, money problems and such. Heres a little background... February last year about three weeks before lockdown happened I decided to leave my job and become a self employed reseller.…
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F&F Advice
Hi, Hopefully someone on here can help me with this. I left the UK August 2016. I have a defaulted loan for £1,800 (barclaycard) which i stopped paying July 2016. The debt has been passed on to a DCA and in default. I haven't been in touch with the DCA, no payment, no DMP, no communication and no ccj atm. The last time the…
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118 Loan question
Okay, so I have a loan with 118 118 Money, I borrowed 1k and owe back 2k. :open_mouth: I set up a pay plan with them of £60PM which I've been paying for a few months now. I just went onto my app to see how much I owe and as soon as I logged in my loan is showing as "CLOSED" and my remaining balance is -£60. I have emailed…
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DAS and settling early
Hi, I’ve had a look through the forums and cannot see an answer to my query. I’m fortunate in that my property has risen in value and I had thought would I be able to release equity in order to clear my DAS early. I’ve had it for nearly 3 years and 4 years left to go. My net gain from doing this would be about £500 per…
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Debts and Lump Sum Offer
Hello After suffering a breakdown after debt worry, I am being given support in dealing with them. I have managed to rack up £45,000 over the last 15 years, which is humiliating. A family member has come into money and offered nearly £30,000 to pay off some this debt, which I am incredibly grateful for. Some of my debts…
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is cca request fulfilled and debt is enforceable now?
Hello Please help me understand where I'm standing at. Original creditor barclaycard, has sold my credit card debt to pra. I've sent cca request to pra on 21.5.21, received acknowledgement on 24.5.21 with £1 postal order returned. On 4.6.21 I received a letter stating "we have currently deemed this debt as unenforceable"…
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Can’t get debt consolidation loan but really need it
Hello, I have completed my budget online and I can only just about cover my payments which I do meet each month, ideally I would like to get a debt consolidation loan to pay off credit cards and then have one monthly payment for the loan instead but I can’t get a loan, how can I improve things as I can only make payments…
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Badly advised
This discussion was created from comments split from: DMP mutual support thread part 13 !!.