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Emails from Lantern
Hello, I keep getting emails from Lantern regarding debts that I supposedly owe. The thing is the debts they are claiming I owe don't show up on my credit reports, so how do I go about telling them this?
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Help! Attachment of earnings order
My son is 21 and in his first full time job after leaving uni. He has just noticed that for the second month in a row he has been deducted over £200 for an AEO and he has no other information. His boss has asked the payroll team to provide information, but this seems to be the end of a very long process, with my son…
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Status barred debt
Hi, Is my debit status barred? I had a mortgage & secured debit which i split with my ex the house was repossessed and sold i thinkin 2008. The last payment was made to them both was end of 2007 & I believe the house was sold. i have no had any notification what so ever from the lenders. No default are showing on my credit…
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Consolidating loans to mortgage
Hi there Just after a bit of advice. We have two loans and a mortgage with Lloyds. We’re due to remortgage later this month and we’re wondering if it would make sense to see if we could consolidate the two loans into the mortgage and stay with Lloyds. For background, we pay around £650 for our mortgage and around £550…
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Potential old British gas debt
Hello everyone: In an effort to keep my financial affairs in order I am revisiting, at least in my mind, past instances where debt could have arisen. My credit file is clean and clear and there are no CCJs. Alas, sometime ago I was in a relationship with someone who was in arrears with their gas bill. I believe I asked the…
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Advice needed - debt collection letter re unpaid rent
Hi everyone, Before we met my partner was terrible with money... several defaults and unpaid debts but we eventually managed to pay everything off and have been working on rebuilding his credit score. We're hoping to buy a house together in around 6 months. Today he received a letter from Pastdue Credit Solutions regarding…
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Dmp - settle with original creditors?
Hello I wonder if someone here can help me please? I am in a DMP and have received some inheritance so may be able to pay all creditors off. I have contacted the DMP people who have said I will need to pay them a fee and repay appx 80% - my OH has paid off several debts at around 60% so is it worth me contacting the…
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Defaulted Accounts - HELP?
Hello, Hoping someone can provide me a definitive answer. I have several defaulted accounts (credit cards & shopping accounts) which range from 2017 to 2020. They have all been bought from the original creditor to debt management agencies. I have to date, managed to arrange payment plans with all of them, paying from £10…
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Nightmare just returned after years - debt call wrong number
Some 15 years ago I received my first phone call asking was I Ms L C - no I wasn't. This was from Purple Loans and it was followed up by more calls and one firm in Scotland suggested it would be better for me to admit I was L.C and he was quite intimidating. I would get calls sometimes several a week some pleasant enough…
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CCJ Payment Plan
Hello all Hope this is the right board to post on. I had a CCJ for £10k granted against me in October 2012 due to a personal guarantee given on a failed LTD company bank overdraft. I offered a payment plan via the court of £125 per month which was accepted and I have paid this every month since (more on this below). The…
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DMP Advice
Hi I have finally taken my head out of the sand and realised I need to act now before the situation gets any worse . I feel very ashamed and embarrassed about the whole situation so please go gently with me as I am very new to this . I have been reading all the threads tonight and have realised my best option would be a…
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Cabot financial statute barred debt and notice of discontinuance
I have received letter from Cabot regarding a debt of £12000,00. Allegedly this is from 2005 and I defaulted in 2011. They handed it to Mortimer Clarke in 2013 who started court proceedings but after I requested proof of debt and a credit agreement (they could only supply a reconstituted statement) a letter was sent by…
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DMP - Should I?
Hi everyone, this is the 1st time i've ever written on one of these forums so here goes.......... I am considering entering into a DMP with Payplan and although on the surface it seems like a good option I can't help thinking it's too good to be true :( It would relieve a huge amount of stress for me but I am scared to…
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Advice needed please Resolvecall.
Hi all, about two months ago i started getting letters from a company called Resolvecall demanding £2k that i owe them. A quick google of the name told me that they were debt collectors. This morning i had a guy turn up at the house refusing to tell me anything unless i confirmed who i was. (At this point i had forgotten…
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What Small Things Will You Do This Week?? 13/09/21
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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Cutting down monthly debt
Hi all, looking for some advice. ive not got the best credit history, and struggle to get credit at many places. Looking for the best option for me. loan-435 per month for next 4 years (high apr). Company MBNA credit cards x3 approx 150 per card total monthly payments are about £900. Barclays, MBNA and marbles cards I have…
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F&F Settlement - Capital One
Hi Capital One CC defaulted Nov 2019. Actually forgot about it until a letter arrived at the weekend. £980 owed. They have written say they will clear it if I pay £490. Is it worth trying to negotiate a lower amount or is that a waste of time? Have other people been successful. If so what would be a good figure to offer?…
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Advice needed please
I need advice please. I have £1400 on PayPal credit and £2400 on a next account. I have also used an overdraft to try and sort this. I am desperate to get rid of this debt, I’ve been having a tough time, still am and had closed my eyes to it. I now want relief from it ASAP. I am trying to sell things on Vinted but this is…
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Can the terms of a CCJ be changed by the lender years later?
Hi Many years ago I unfortunately had a CCJ from bad debt, this has since expired off my credit file. I've been paying a small amount until this day as agreed in the CCJ and will continue to do so until it's repaid. Brachers (who the debt was passed to) have just written to me for the first time in about 10 years to ask…
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Loan repayments - snowballing advice
At present I have three loans and I am looking at which is the best way to pay these off. Loan one Credit Union Balance £909 monthly payment £212 Payments left 5 Loan two Amigo Balance £1463 monthly payment £121 Payments left 12 Loan three George Banco Balance £6704 monthly payment £239 Payments left 27 Plan - We have some…
