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Help with a full and final settlement
Hi all, my previous post has now been closed, but background is that I have several old debts that all defaulted years ago and have now dropped off my credit file. I had been paying for years via Step Change, but was planning to make full and final settlement offers. I wrote to them all first to ask for copies of the…
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Lowell query re CCA
Hi - My sister has sent many CCA letters and some have come back saying no info can be provided so she has stopped paying (took a lot of persuasion to convince her it was ok to do this!). She has a debt with Lowell and shortly after she sent the letter (about 2 months ago) they wrote saying they have asked Creation…
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Urgent Advice for Crisis Funds
I’m very embarrassed posting this but I don’t know what to do, I’m hoping someone may have some advice. I’m in a lot of debt and have a DMP with payplan. This month has been a disaster with lots of unexpected bills so I currently have 49p in my bank until 26th June… and not all bills are covered yet either. I was just in…
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WIll Natwest help my brother?
HI, I am supporting my brother with some money issues - he is newly divorced and his finances have taken a battering. He has a Natwest Credit card that has a fairly high balance and high interest each month. He is struggling to pay. He is about the sell a property which will allow him to clear the debt but this could take…
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Help me start my debt free journey.
Hello I'm looking for some advice to start to get debt free. My new job has doubled my current annual wage. I have 3 credit cards with various interest rates and amounts totalling up to £13,000. Due to my previous wage I have not been able to balance transfer onto 0% cards and only been able to afford to pay minimum…
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Accept Offer or Refer to Ombudsman
Hi, just after the advice of people that know more than me. The bank have admitted that they did not carry out the appropriate affordability checks on a large loan. 'Our records show that your application for a £23,000.00 loan was immediately approved by our systems and opened on 20 April 2019. A fixed amount of interest…
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US medical bill passed onto Debt collector
Hello, cut a long story short I had to visit the ER on my holiday to the states. I received no treatment/X-rays/scans ect. A doctor literally just ‘checked’ me. I had travel insurance and after 40 minutes I was discharged and the bill was going to be sent to my travel insurance. Basically, turns out my insurance was not…
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CCA agreement request- identical responses from PRA group but one debt unenforceable and one not
Hi, I have come this way following a few CCA agreement requests with PRA group. Hoping someone can please advise. My husband and I both have several debt with PRA group (originally Barclaycard and MBNA). We both made CCA agreement requests back in January for each debt held with them. My husband received a letter from them…
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Debt getting out of hand £57k, looking for advice.
Hi All, I have been in debt of some form for the last 9 years and its time to get it sorted. As a brief overview I initially got into a large debt of around £45,000 for training for my dream job, which I now have, fortunately! This was back in 2018, since then I have slowly repaid, moved around on 0% credit cards etc.…
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Moved: Credit Card - Promotional rate.
This discussion has been moved.
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Loan may default, what happens?
I have a £15k loan with Shawbrook that I have been paying off for the last 2 years. The first year was fine, I made my monthly payments on time and in full but then unexpectedly got made redundant and I had some health issues on top of that. So for the last year I initially used my savings to keep the monthly repayments…
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Unsecured/secured loan
Hi I have several unsecured loans and one secured loan, I am having to consider a DMP but I want to know if I can afford to pay the secured will I be allowed to use a DMP ? I can’t see way out of this
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Reducing my debt with another loan?
I am trying to bring my outgoings down and so far I have managed to do it with most bills but I have a loan for a car. Because of my situation is high interest. I still have three more years to pay and I am wondering as my credit score is improving. Is there a way of getting a new loan at a lower interest to pay this one…
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Merged: Overdraft Debt
This discussion has been merged.
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DCA car finance claim help
Looking for some advice I saw the DCA car finance claim on YouTube for findmydcaclaim.com I was curious so I clicked yes probably big mistake. it said fill in your details and sign this to find to find out if you could be owed anything. before I knew it it had signed me up to the claim for a company called Courmacs Legal…
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ACI closed accounts (irresponsible/ unaffordable lending)
Hi everyone. I have two debts sold on to ACI. These debts were originally for updraft loans. I have managed to have an irresponsible lending claim upheld by updraft. This was in October last year. I have been going back and forward with ACI as they kept pestering me for the money I was originally due. With the claim being…
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New debt added to credit file from AGG - no idea who they are!
Hi, can anyone advise on what to do please. I am trying to clear off last few debts and rebuild my credit file and I have just noticed my transunion score dropped hugely so I was just looking at the report and it seems a new debt was added. It says September last year but I don't recall seeing it before and have only just…
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Additional borrowing on mortgage whilst in DMP
Hear me out first because it's NOT to consolidate debt. I started a DMP self managed. Defaults were applied in August last year. So far except for the odd email, I have heard nothing from either of my creditors. Neither have asked me to start repayments and neither have sold my debt or instructed a DCA. My boiler has just…
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Link Financial - No CCA produced, but a possible issue.
Hi folks, So I have 2 debts with Link Financial, I have had a repayment agreement in place for some time now. I have sent the CCA requests for both accounts, and unsurprisingly got no reply. Now, from what I understand, I could stop making payments until they produce the CCA's, as the debt is currently unenforcable.…
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Redundancy & 44k unsecured debt - the perfect storm
Evening all, Posting my SOA and overview of situation and hoping for some guidance on next steps - apologies if this is repetitious, I've looked at different threads with many similarities (which is encouraging to know we are not alone) but each situation is unique and I'd really appreciate your advice. I was made…
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