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Token payments unsecured debts
I would imagine lots of people on here would have had credit cards and lost job and income not the same and unable to afford your credit card debts. I've been advised to offer token payments if I can manage that if not explain you can't. I was wondering what would likely happy if your income didn't improve to the level it…
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Credit card "In Default" but not with lender
Hi All In 2015 i started to get into financial difficulty, i lost my job, my business closed, and i separated from my wife as well - to cut a long story short it was a dark time and i am still trying to come back from now. I had a Barclaycard at the time. In the course of 2015 i only paid x3 payments as was in contact with…
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Debt Collection Letter - Zero Balance
Hi Everyone, Bit of background....I had car insurance and an old claim they say I didn't confirm to them at the time of the quotation came up and they added a huge amount onto my monthly premiums which, at the time, was completely unpayable. (I didn't think there was a claim but made a statement at the time of the…
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F&F Payment on Barclays Debt/ Collected by Moorcroft
Hi All. I did a post on this about 6 months ago but where my circumstances have changed, so thought I'd start a new post, Defaulted on my personal Loan from Barclays in 2017. Originally £15K but currently down to £7,300 now. I want to clear this by the end of the year so that by April, I may be in a better position to get…
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Trapped with Static Caravan Debt
I bought a static caravan three years ago with finance through Blackhorse. For obvious reasons my income has suffered this past 18 months so I've been trying to sell it. The problem I have is the holiday park (where the static is sited) are putting a lot of obstacles in the way of us selling the static and also potential…
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I need some help and advice please
Hi everyone, I hope I’m posting on the right board. ive had a debt recovery letter from global debt recovery. this debt is around 12-15 years old it was originally an mbna credit card to the value of 5 thousand. 10 years ago I had a brain injury and I stopped paying everything, I was in bed for 4 years and gradually…
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Debt Help New Zealand
This discussion was created from comments split from: DMP mutual support thread part 13 !!.
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Debt sold on but no Default
Trying to help a guy at work but I'm a bit stumped. Debt was a P2P loan with Ratesetter, defaulted payments in 2017 but debt was never defaulted or reported as anything but up to date. Has been making reduced payments since 2017. Debt has now been sold on to Intrum and they are trying to get them to default it by stopping…
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I guess I'm looking for some encouragement...
Hi all, long time lurker first time poster. Myself and my SO have debt that totals, £45,250.70p. We pay towards our debt each month around £1400 and we're on track to be debt free in 32 months, but I can honestly say I think about our debt, and 'the end' and every day I'm looking at ways to try and change it, move a loan…
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Lowells Help
Wondering if anyone can help. I have received an email from Lowells Financial in regards to two very old Utility bills, one for over £500, leccy and disconnected march 2015 and one for less then £50, TV subscription, disconnectedmarch 2017. I sent them a prove it email and they came back with some paperwork. Neither of…
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Discharged/satisfied CCJ
Hello all I ended up with a CCJ in January 2019 and I set up a monthly payment plan. I assumed it was still active as payments are still being taken, but I've just checked my credit reports and it is now showing up that the CCJ was discharged/satisfied in 2020. However, the company I owe money to is still taking payment…
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Not my debt, addressed to my house
Had a letter this morning at my address but to someone I don’t know. I’ve lived at my house for over 20 years. Will return to sender but I’m worried that someone has used my address. My bank card was cloned a while ago and I had to deal with fraudulent transactions in my bank account. Should I be worried?
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CCJ from 2009. New 3rd party debt collector contact
I was contacted by Hoist Finance in Jan 21 by text asking me to get in touch. I e-mailed a reply stating I didn’t recognise them or the reference. They e-mailed a reply confirming a HBOS debt from the early noughties for a credit card £6.2k I sent a statute barred letter. They replied confirming n/a as a CCJ was issued by…
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Bailiff turned up unannounced
Good morning I’ve been woken by a bailiff this morning, advising me that I have an unpaid PCN dating back to February which has gone to court. He handed me a removal notice for my vehicle and showed me the initial PCN on his iPad, from my local council. I don’t dispute the PCN, it places me in an area where I know I was…
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What Small DFW Things Will You Do This Week? 6/9/2021!
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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Which debts should I prioritise paying off first?
Evening everybody! I’ve reached the end of my tether recently on a journey which has been many, many years in the making. I’m 32 years old and I’ve been in debt to some degree since I turned 18. While my current position is by no means as bad as it has been previously I’ve come to the realisation that if I don’t get my…
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Stopping spending
Hi all. Ok so I don’t have Lot of debt BUT I need to stop spending. I suffer MH ( bipolar) and have a tendency to fritter money of things I don’t need. The majority of the time it’s not huge purchases but it all mounts up and I pay on credit card then pay some off at end of month. I dont seem to be able to stop myself.…
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Mis-sold secured loan
Hi I’m just wanting some advice on behalf of my parents. Many years ago when my parent’s ran into some difficulty they took out a secure loan, at the time they didn’t want a secured loan just a standard loan but the company (loans.co.Uk part of MBNA) refused to give them anything but. They are now approaching retirement…
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Six Years On Now....
Just a quick question. Six years have elapsed since I was in a mess and defaulted on credit cards. They have now dropped off my credit file, although I am still paying them off via PayPlan. Lowell have contacted me with an offer of a 70% discount to settle over three payments and I want to take advantage of this. My…
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Daughters' Names off our joint account
My husband and I added our girls to our UK HSBC bank account when they decided to move back to the UK from Malta. It meant they had access to funds without any issues of not having a regular income to opening their own account. After many years their names are still on our account, they do not have cards but they are able…
