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We're hoping to give the Debt-Free Wannabe board a mention in the next MSE newsletter
Hopefully we'll be including a Debt-Free Wannabe shout out in next week's MSE newsletter (the one due to go out on 11th August.) It's a hugely inspiring, motivational part of the Forum and one that deserves some spotlight, so we're planning on sharing a success story or two. If you're not a newsletter subscriber and fancy…
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Help re PRA & CCA
my Halifax debt was sold to PRA, I asked them for a copy of the CCA, Today they have emailed a document which has my current name and address on it, however nowhere on it does it have my signature or any dates? I need to check my paperwork to see if I can find out whether this card account started at this address or…
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Trouble with Barclays
Hi all, Looking for some advice. I've got 1 left to pay off, a loan with Barclays. I've tried calling them to offer a partial repayment as settlement, 30%, this was rejected, no counter offer was made and I was just told I couldn't make another offer within 3 months and I just make them an offer that's "too good to…
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Balance transfer query
Hello, I'm working on my credit card debts. An existing card has a balance transfer offer (6m interest free 3% fee). This card already has a balance on it and interest is high. Is there any benefit of transferring balance from another card to this one? I would be able to clear transfered money in the 6m period but worried…
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Refund to Credit Card in Arrears
Help this is a really tricky one! I have a MasterCard in arrears for one month waiting to default before starting a DMP I booked a holiday using the card in December 2019 and it was moved last year to this year. The hotel has just cancelled the booking and is going to refund my payment method !!! It was for myself and a…
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Harassment from Intrum
Hi Guys, Please can you advice me how to proceed with Intrum, they have bought a debt from Tesco worth £2,000. I previously had a payment plan with Tesco set up for £1 a month. Intrum contacted me for the 1st time on the 30/06/21 and since then they have been calling me at least 3 times a day, this has peaked at 7. Around…
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It's silly really!
Hi I used to have a cake shop but I closed the premise and settled all accounts almost 4 yrs ago. Yesterday I received an email from a debt company saying 'Despite many attempts by ourselves to contact you regarding this matter the balance remains outstanding'. That if I do not repsond within 7 days they will be issuing…
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Am I making this up?
Forgive me if this is a daft question. I have 8 accounts on my DMP. One has just been paid off after they accepted an offer which equated to 20 per cent of the balance. The others are playing hardball to say the least. Did i read it somewhere that I really need to pay off the debt which relates to my old over draft, in…
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Cabot financial have entered a default EVERY MONTH??!
Hello everyone, I made a post in January because I discovered that cabot financial had made an entry on my credit file which is not mine. I have sent a prove it letter but have not heard anything back. I was sent an invite to upgrade my bank account and I called them to go through the steps. The bank then said the…
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Email from capquest?!
Hey, new to the forum and in dire need of some advice. Currently awaiting a response from citizens advice. Long story short my parents committed fraud in my name. They took out catalogues in my name when I was no longer living with them. The result was a ccj against my name which was when I became aware of the debt. I…
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Weird response from Intrum, doesn't make any sense
So I wrote to Intrum to see if I could settle a £4.5k Debt with a partial settlement. They won't consider it. The original loan agreement was from Lendable. But in their response they say: "Please be aware that your contractual amount of £***** due on the 28th of the month must be made in order to avoid accruing arrears on…
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Advice please on options
This discussion was created from comments split from: DMP mutual support thread part 13 !!.
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Full and final settlements any advice please
Morning, I have around £35K of debt to 6 companies, 5 are credit cards and 1 was overdraft. They are all on a self managed repayments where I am making token payments each month. They are owned by Link, Intrum, Arvarto and others. The first of defaults is approaching 6 years in September with them all being 6 years by…
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Negotiating with the original creditor
Evening guys, One of my debts is with a well known high street bank. Even though the debt has defaulted and I am in a DMP they still own that debt, and have not yet sold it on. Is it worth negotiating with that bank towards a lower settlement figure or should i wait until they sell it on? Thanks in advance
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Debt help please.
This discussion was created from comments split from: DMP mutual support thread part 13 !!.
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Moved: Vulnerable household PCN bailiffs (ULEZ/Congestion)
This discussion has been moved.
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What Small DFW Things Will You Do This Week 02/08/21?
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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Is being terrible with money a medical condition?! Spending pattern help.
OMG I need a serious kick up the butt/change in mindset/new plans. I am just terrible with money. There is always far too much month at the end of my money! I need to get a grip. I run the finances for myself and husband so dragging him down too lol!! I need a plan. I have a bills account and a spends account which has…
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Intrum and CCA help please
I had a debt with an RBS credit card. Did a CCA request with them almost 3 years ago and RBS could not produce the original agreement. The card was taken out in 1997. I stopped paying RBS telling them I was concentrating on paying my enforceable debts first. I had a letter from Intrum last month advising they have taken…
