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snap finance default
Hi I brought a numberplate treating myself using snap finance. I decided to do the immoral thing of because i already have defaults on credit record for multiple loans etc. then to just add this to my DMP. they have sent a default letter asking for full payment or further action to be taken. So my question is, as i am on a…
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Affordability complaints question
I sent an affordability complaint to Novuna finance using the debt camel letter template. I’ve received a reply from them requesting evidence such as 3 months bank statements from the account I was paying the loan from, and also 3 months of statements from any account that I regularly paid direct debits from. i just wanted…
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Old Black Horse debt..
Hi, I'm wondering if anyone can please give me some advice. Over 25 yrs ago I took out car finance with Black Horse. After many money troubles and a marriage break down a charge was placed on our mortgage from Black Horse for repayment of the loan when and if the house was sold. We finally sold the house in 2022 and the…
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Looking for the best path forward
Hi all, I’m looking for some guidance about whether an IVA or temporary reduced-payment arrangement is more appropriate for me. I’ve got a few debts in my own name and two in my wife’s name that I’m responsible for (I spent the money, so I’m paying them). The mortgage is currently joint but is likely going into her sole…
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Writing to creditors individually
Hi, I am currently, after advice from Business debt line, contacting my creditors individually and asking them to freeze interest and consider wiping debts off. I am also awaiting my Dr completing a DMHEF due to mental health issues. My debt is personal debt, but as I also have a small business I needed to go through…
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Link Financial - Destroyed Postal Order and no CCA?
Hi it’s me again! I received a response from Link Financial after they received my CCA request letter. They just said that they have destroyed the Postal Order but no mention about my request. How should I move forward with this?
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Settlement Offers
Hi, I’ve been paying a DMP for just over 2 years and I now have almost half of the remaining figure available to settle the remaining balances. All debts have defaulted. I’ve sent f&f offers (40%) to all creditors and I’m not getting very far with them, they’re slow to respond and some have rejected. The only one to accept…
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Moriarty Law - Court Claim URGENT PLS HELP.
Hi All I have a court claim that was dated 6 nov 2025 - I have only just received this in the last week as I had moved address and my old landlord handed them to me. It is a court claim by moriarty law who I was paying £5 a month manually 6 months ago, but due to all of the stress of moving home etc I have forgotten to…
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Full and final settlement advice
Hi all! I’m looking for some advice on making Full & Final settlement offers to my creditors. I currently have around 7 defaults on my credit file, all roughly 5 years old. I’ve been paying them through a StepChange DMP, and for the last few years I’ve been paying around £60 per month (I used to pay £120 before my…
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Questions about a DMP and £50k in debt
Hi everyone, over the last couple of weeks I've been focussing a lot on getting our debt in order as our outgoings on paying of credit cards is unsustainable now that I've realised we're going about £230 over every month and using credit to pay for food etc. We have around £48000 across 5 credit cards, a £500 overdraft and…
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Creditfix - IVA annual review
Hi I am looking for advice. I am currently in an IVA with creditfix. I have paid £256 x 39 months so have 21 months left to pay. My IVA started with hanover insolvency and was taken over by credit fix. I have had just 1 annual review in my first year where I had to pay £50 addition due to overtime and the continued with…
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Orbit just came to the door
I have been ignoring Cabot and Orbit over a matter from 25 years ago when my abusive late ex husband made me sign a loan agreement for a car. He died and did not pay it prior to that. It obviously disappeared from my credit file years ago and I have worked hard to rebuild my credit. I have never responded to them. Orbit…
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You won't have to repay your credit card balance?
Hello everyone. With my work, personal health and then a family member seriously ill my finances took a hit. I went from living on credit cards to finally being unable to pay them. I wrote to explain my situation and complain about the constant rises in credit limits which shouldn't have been applied. After basically being…
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ONMO DEBT TRANSFERRED TO AJJB LAW
So I have had a text message from AJJB Law stating my ONMO credit card debt has been transferred to them. I will be honest and naively thought ONMO would have sold this on rather than going straight to a law firm, so panicking a little about this. I have just clicked on the link sent in text which directs me to the AJJB…
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Payment plan
You set up a payment plan with a debit company (A). You then get a letter saying your debit has been borough by another debit company (B). What happens to the payment plan with company (A), does it automatically stop.
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Struggling to commit to a DRO
Long story short I’ve spoken with Citizens Advise and I currently qualify for a debt relief order but I’m worried about the consequences it will have on me moving forward. I’m currently out of work and will struggle to get a job for at least a year because I’ve just been given a community order which is a criminal record…
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Long-term Debt plan full and final payment advice
Hi all, thank you in advance I’d really like some advice as a bit unsure what to do.Long-term Payplan DMP (many years). Currently owe £7,400 total across:• Cabot Financial: • Moorcroft / PRA Group UK:• Lowell: lowest amount Paying £120/mth interest-frozen At this rate, clears in ~6 yearsHave lump sum for ~50% settlement…
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DMP questions
Hi I am new to the forum although have been lurking for a while. I am in a lot of debt and my work hours have recently reduced due to developing a heart condition which is not going to get better but that I can manage with the reduced workload and stress. Up until now although I have a lot of debt I have been managing to…
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Field Agency Face to Face Visits
Hi, I am doing a self managed DMP. Most loans will soon default. Today I received a letter from Abound, Fintern Ltd which says "Our chosen field agency will attempt to engage with you via a face to face visit to reconnect you with us" From reading many of the posts on here I didn't think debt agencies did face to face…
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16 year old debt being chased
Hi, I am being chased by a debt collecting agency for a debt that was taken out at my previous address over 16 years ago. They are sending me letters asking me to confirm my previous house number and postcode as they are now chasing up the debt. I have not supplied them with the information and I have informed them that I…
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Most recent: Payment a Day - Chapter 2026 by Bounty123
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