-
Merged: E.on claiming money from me via legal company which isn't mine
This discussion has been merged.
-
Cabot Financial
Hi i have had Cabot Financial chasing me for the last few months but I’m sure the debt is over 6 years old and not sure if they are trying it on. I have checked on clear score and it’s not had any payments on or missing on the account. It says I opened the account 11/2015 and it’s updated on 2/2019 I think is that’s when I…
-
Steps to Change query
Hi, I am considering using either a 0% credit card or a debt consolidation personal loan to clear £3500 of overdraft debts I currently have. I contacted steps to change and I'm wondering whether they are in fact an independent charity, or a bank similar to other debt consolidation banks which I have heard horror stories…
-
Oh boy, where do I begin...
I'm in a sticky situation at the moment. I've spent a lot of the year battling pretty severe depression, and as a result my relationship has broken down and we have separated. It's not the only factor, but has contributed. Such is life. We're not married, but we own a house together. I'm now in a position where I need to…
-
What Small Things Will You Do This Week? (13/12/21)
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…
-
Advice for freezing interest.
Dear Forum, I have debts on my credit cards, for example I have an account with Aqua that is about 4.5 years old. It is a very high interest rate card. It started at 60%, then it went down to 55%, and then it was going to go down again but as I have a severe disability (Uni Cred/PIP) I forgot to make the payment on time…
-
Capital Resolve - Email only
Hi, Capital Resolve are chasing me for a debt that isnt mine (I have a perfect top of the shop rating). They only have my email address and nothing else, no address or telephone number. My question is can I just ignore this or do I need to contact them to discuss this and possibly take up a lot of my time but then they…
-
Money Management Consultants?
Hi All, Apologies for the username. My humour has no boundaries. In these 12 months, I have moved out and spent a huge amount of money and realised how much my ex controlled the finances, for the greater good. I have spent a huge amount of money and I need to put in barriers to stop me from using my Credit Card/pointless…
-
70k debt - what are my options? SOA included
Hello everyone, I'm really hoping I can get the help I've finally accepted that I need. To cut a very long story short, I left a severely abusive relationship 5 years ago. I left with nothing except my children and the clothes we were wearing at the time. During that relationship, I accumulated various debts unbeknown to…
-
No idea what to do?
Apologies in advance that this will be long winded, I just don't want to leave anything out that might be relevant. My marriage broke down in 2017 and the sudden drop to my income left me reliant on credit cards to stay afloat. Eventually, the minimum payments became unmanageable and the cycle of paying the min. then not…
-
Unknown debt applied for by late spouse advice ?
Hi, My Father has recently passed away and we have uncovered a mass of credit card debt taken is his name and also he has taken out under my mothers name that she has no knowledge of at all. I have tried to report this on actionFraud but they say they can’t help! She has now been left with all this debt and no knowledge of…
-
Debt letters -slightly different name and address I have never lived at
Hi, The advice on this site is amazing and thank you to everyone who regularly contributes to help people like me out. Yesterday my husband had three letters from Lowell, claiming money (about £700) is owed to two credit cards and also a utility company from an address they claim he lived at for 3 months in 2018. Two of…
-
Hoist Finance Pay Us!
Hoist Finance have been paying £10 into my wife’s bank account monthly for a few months. We have no idea why or what debt this might be for. She is anxious about calling them in case they want it back. Any ideas why and if we should reach out.
-
What Small Things Will You Do This Week? 06/12/21
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…
-
Energy provider passed a debt my father doesn't owe to debt collector
Hello all, please can I get experts advise on next steps? I
originally posted on Energy page yesterday in error - and a larger thread sits
there. This refers to a letter my father received from EON energy (allegedly) and a debt collection agency Facts: I had a lease on a flat this ‘debt’ refers to from 27
November 2015…
-
unsure on which form to fill in to have case reheard......
Hi someone i know is in a bit of a pickle. with bailiffs for a unpaid water bill, its partially due to a silly error, but it boils (sorry!) down to her not knowing about the case being heard some time ago, (last 6 months we think) she filed the form with the paperwork for her ongoing divorce, and was sent to her solicitor…
-
Debt Consolidation Advice (£44K debt)
Evening all, I currently have £44,113.73 in debt. Split over the following: Loan 1 - £10,822.27 (APR 12%, monthly payments £382.58, 33 payments left) Loan 2 - £4,619.08 (APR 20%, monthly payments £198.26, 25 payments left) Overdraft - £3400 (paying approx. £50 per month, remains constant) Credit Card 1 - £6,431.70 (paying…
-
DMP & time for defaults to come off credit file?
Hi guys, Hopefully, someone here can advise me! I have had a DMP since September 2017, fortunately, I have managed to pay all but one of the creditors off. At the time that I went onto the DMP, I was served with 6 default notices on my credit file most of which are showing as being served in November 2017. The one creditor…
-
Lowells & a statute-barred debt
Hi all. I have recently received communication from Lowells who have 8 accounts of mine. I've followed advice from this forum and sent prove it letters, which have all been provided and I know all the debts belong to me. I have not spoken with Lowells at all, only via email. I'm willing to pay the debts and am chucking…
-
Help I feel like I am drowning
I have 3 accounts with Cabot I sent a prove it letter and received a pack back with all the default letters they have sent to me on my aqua account that is it , also I had a AA credit card debt and got a ccj on that one (so do I need to set up a payment on it?) and the last one is Halifax credit card but no more…
