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Debt-free wannabe

Archives for July 2021

Unknown CCJ
Hi, I have been issued with a CCJ against me. After taking advice, i have filed a N244 form and investigated further as to why this has happened as i have (had) a high credit score, no bad debt and no late payments. Digging about I found that the company filing it are using an old credit card account that was closed and…
Drysdenfairax/Arrow
Hi, I have a debt with MBNA and from 2008 to December 2020 have been paying Stepchange. Outstanding debt is £1450 and I was previously paying £131 pm to them and have paid £11,000 off for MBNA debt between 2008 and 2020 (the monthly figure has changed over the years with other debts being paid so more money for the debts…
Is interest pre loaded on loans?
Hi all I have two loans which are £7915 on 2.9% with Tesco and £8729 on 3.5% with Lloyds. I’m trying to decide which one is best to pay off first by paying extra each month. I know the interest accrues daily on the Lloyds loan but I’m not sure about the Tesco one and was hoping someone here might know. I think…
partially satisfied !
I have just settled a full and final settlement agreement and received a confirmation email to say that the account is closed with a "partially satisfied" marker but it says there is a closing balance of the amount after the settlement figure has been taken off . I have been told that it should have a zero balance does…
Link Financial Settlement - has anyone managed to settle with them?
My husband and were in a DMP with multiple creditors from 2014 until January of this year. We decided to sell our house and use the equity to make partial settlements to be able to put the debts behind us and move on. All creditors accepted 20-30% with the exception of link (for an old Barclay card) who will not budge from…
Optima Legal
Hi, I'm looking for some help! I am trying to get hold of Optima Legal Services Ltd to get a settlement figure on an old debt that I want to settle, but apparently they don't deal with recoveries anymore. There is a message on the number that I have for them to contact the original creditor, which is MBNA, who I've spoken…
How do I dispute this invoice with the nursery?
My son has been going nursery since May which should have been covered by 30 hour funding, however they did not issue the form in time due to changing management (I do not see how that is my problem though.) Right from the very start, I issued them the code in which they give to the council to claim the funding, then they…
Lloyd's SCM and "Charging Order"
Morning good people of MSE. As the title suggests I have a restriction on my title deeds relating to a CCJ from Lloyds/SCM dated 2012. I actually had no idea it was there until yesterday when my solicitor (very belatedly) brought it to my attention in the course of selling my house. I have not made any payments toward this…
Is it legal for 1 CCJ for 2 separate agreements with different companies?
By legal I mean is it correct procedurally. I want to include in my draft defense on an N244 application that the claimant has claimed for two separate agreements that are for 2 unrelated creditors with totally different products and services under the same CCJ. Is this not a breach of protocol for the bulk service? I mean…
Lowell (again)
An old phone bill for about £40 (orange mobile) got 'lost/forgotten in transit' The debt is 12 years old in November but from what we can work out, the debt was sold on to Lowells just before the 6 years was up and they organised a CCJ. Now the CCJ is nearly 6 years old (in Nov) and a High Court Baliff called on my friend…
Help a lady out please
I've sold my house for 205. The house I'm buying is 150. My mortgage is 43. Fees 2300. Equity to pay my ex 15k. So if I want to be mortgage free but pay all of the above what's best? A loan? A small mortgage? I'm going to call my existing mortgage company today n see if they'll allow me to pay off as much as possible to…
Tesco CC & Credit Karma
Hello all Just seen that my Tesco CC has totally vanished from my credit Karma report? It defaulted a couple years ago so no where near the 6 year mark. Have Tesco stopped reporting to transunion or should I expect that it’s been sold on and I’ll hear from a Debt Collection company? Anyone else have Tesco CC that can…
Backdoor CCJ from Lowell
Having checked my credit file, what I feared would have happened has actually happened. I have a CCJ from Lowell at an old address dated November 2020. Having spoke to Northampton county court the CCJ is for 2 different accounts, one with Vodafone and one with BT. I had previously complained to Lowell about issuing a…
Overdales Solicitors - Letter of Claim, CCA reply
Hi All, I recently received a letter of claim from Overdales Solicitors for two accounts ( they have combined the two ) I've sent them a CCA request and received their reply via email the documents they attached were statements of these accounts ( purchases, and payment dates ) which match the details above they also…
Is a DMP my best option? UPDATE: 2 years on - what now?
Hello I have CC's, overdrafts and a loan which amount to approximately 23k. I have been sailing very close to the wind each month and finally contacted StepChange last week after realising I am running out of options (I have got to the point where I am using credit cards for day to day expenses because as soon as I have…
Contact r.e. Debt from 10 years ago
Hi Everyone, long time lurker here but minimal poster :) Many years ago I was in a real mess with debt - you know the script, credit cards here there and everywhere, payday loans, overdraft, etc. The overall value wasn't huge - a few thousand, but not tens of thousands, but the bigger mess was how many different people I…
Taking ownership for future dream
Hi all So myself & hubby have sat last night and gone through our finances with a fine tooth comb. We have been on repayment plans for a few years after he lost his job for a short period then took a temp part time rolling contract which was inconsistent. I was working part time permanent. All our debts we had went to…
Step Change
Good morning, I’m new to the forum, so please be kind! I have around £32K of debt. I’ve contacted Step Change and did a budget with them. My take home monthly salary is around £2000, and my monthly outgoings are roughly £2200. Around £1100 goes to unsecured debt ( credit cards/ loan) and the rest goes to secured home loan…
Avant credit adding crazy interest to defaulted debt
Hi everyone, I am after some advice please. Long story short, I defaulted on all of my debts last year and have since been paying every one of them back each month based on the offer generated by the NEDCAB tool as I wanted to go self managed. Everyone accepted my offer except for Avant, which is my biggest debt.…
Debt from switzerland
After a tribunal (that I lost) whilst working in Switzerland and being diagnosed with long term health condition I was left with £17k debt with courts. I haven't been able to work since (10 years ago) . The debt was live in 2017 and they have been hounding me for the money. I'm on anti depressants and still cant work. I'd…

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MSE News

Ofgem proposes new 'no standing charge' Price Cap – but Martin Lewis warns vulnerable customers need to be opted in or it won't work
Ofgem has today launched detailed proposals for a major shake up to its Energy Price Cap that dictates the price over 80% of homes in England, Scotland and Wales pay for their energy bills.
Lloyds, Halifax and Bank of Scotland to cut overdraft rates for millions but hike them for others – here's what's happening and full help
If you're a Lloyds, Halifax or Bank of Scotland current account holder, the interest rate you're charged for using your overdraft could change soon as part of a fees shake-up. The Lloyds Banking Group, which owns all three brands, says millions of its customers will pay less after the changes – but a "few" will pay more.
Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
Around 2.7 million more low-income households, including 900,000 families with children, will become eligible for the £150 Warm Home Discount this winter, as the Government has confirmed it will remove the existing 'hard to heat' eligibility criteria. The extension has only been confirmed for winter 2025/26, with further changes possible for future years.
Martin Lewis: At last a chance to fix Council Tax flaws impacting millions – debt collection, difficulty challenging your band, discounts and more
Major flaws in the Council Tax system in England could finally be fixed in future, as the Government has launched a wide-ranging consultation to review hideous debt collection practices, the difficulty of challenging your band, the overly complex and horribly-named Severe Mental Impairment discount and more. MoneySavingExpert.com founder Martin Lewis, who has long campaigned on these issues, shares his response and analysis.
Energy complaints to be dealt with more quickly and Energy Ombudsman to get new powers under Government plans
If you have a complaint about your energy firm, it may be resolved more quickly in future, as the Government has announced a raft of proposals to strengthen consumer protections in the energy market. The planned changes include giving the Energy Ombudsman new powers to force firms to comply with its decisions – but it's still very early days. Here's what we know so far.
Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
Around 2.7 million more households, including 900,000 families with children, will become eligible for the £150 Warm Home Discount this winter, as the Government has confirmed it will remove the existing 'hard to heat' eligibility criteria. The extension has only been confirmed for winter 2025/26, with further changes possible for future years.
Base rate held at 4.25% – here's what it means and when it might be cut next
The Bank of England has held the base rate at 4.25%. Below we explain why, when it might be cut, plus what it means for your mortgage and savings.
Applied for South West Trains 'boundary fares' compensation? Act now to claim it
If you applied for compensation from South West Trains before the deadline in January 2025, you now need to provide your bank details to the claim administrator so it can be paid to you. Here's what you need to know.
Winter Fuel Payments to be reinstated for millions – Martin Lewis explains how it'll work, what it means and if it's an improvement
All State Pensioners in England and Wales will receive a Winter Fuel Payment this winter, though those who earn over £35,000 will see it clawed back through the tax system. It means nine million pensioners will get the £200 or £300 top-up. Here MoneySavingExpert.com founder Martin Lewis shares his instant response and analysis, and we include answers to your key questions.

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