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ACR Group - CCA Response
Hi Everyone I sent out CCA requests this week for my lenders. ACR Group came back to me with the following? They haven't attached the agreements or anything signed by me. Is this enforcable?
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Debt questions around DMP
Hi All, I've had a good read on the forums and feel more clued up on what I need to be doing, so thanks for the knowledge shared. I do have a few questions though if some kind soul could help with. 1) I see most saying run your own DMP rather than someone else and understand why regarding defaults/building funds and…
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Affordability complaint rejected, good will gesture offered
Hi, One of my affordability complaints to Abound has been rejected. I've had a mixed bag of replies so far in general, some accepted and some rejected that I've escalated to the financial ombudsman as I feel I have a good case, this one I'm unsure of though given there response and the fact they've offered something in way…
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CCA request - unable to provide but chasing for money
Hi, I sent a cca request to wescott regarding a loan from 2015, the bank then sent a letter (via wescott) to say there is no cca agreement, I then had another letter saying as the loan is so old they can't provide a cca agreement under GDPR and that the loan still stands and I have to pay and as its GDPR the loan remains…
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Best way to consolidate a loan and credit card into one payment?
Hello all, Pretty much as the title says, I've got a loan and credit card debt I'm repaying. I'm wanting to consolidate these into 1 payment. I was looking at 0% balance transfers, but I understand that you can use them on a loan. I'm wondering what my options are?
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Debt been sold but no default?
So Ive stopped paying my consumer debt with a plan to enter self managed DMP. My credit report does not show any defaults yet but I have received a letter from Link Financial saying they are taking over my lloyds debt. So far I have done nothing and have just been waiting it out. What should I do now, do I contact these to…
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Freedom Of Information - Debt Companies
Hi Everyone, is it possible to find out how much a debt company like Link Financial/Lowell etc bought a debt for using Freedom of Information Act? Thank you.
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Zopa default
Hi, looking for more advice please. Received an email from Zopa saying account has defaulted and to contact to set up payment plan or for them to offer a discount to settle full amount of 13,176. I am currently waiting for info from trans Union to log my unaffordability complaint with the ombudsman as Zopa have not upheld…
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affordability complaint...when to submit
Apologies if this has been mentioned elsewhere but was just wondering if there was a best time to request affordability being looked at? Is it best waiting until the debt has defaulted and sold or to put the complaint in straight away. I have a number of credit card debts and am now going down the route of building up a…
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Debt Collection Help please
From fcldebtenforcement@gmail.com (Left sender name out) Quote Reference – [Reference redacted by Forum Team] Good Morning, Julian, My name is ?????????, and I’m contacting you from the Goods Removal Team at FCL Debt Enforcement. This message serves as an urgent notice that we have received a legal instruction from your…
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Stuck with high interest charges
Hi, my husband and I are both struggling with credit card debt. We are just about managing to pay the minimum but then end up using them again for food shopping etc. We’ve both tried to get loans in order to pay off the debt at a more reasonable rate ( or at least have an end date in sight without more interest piling on…
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Debt and illness
Hello all, I am looking on advice on how solicitors should deal with someone who told them about pre-existing medical conditions. Basically I took a loan out with my bank, have taken out loans before and paid back. The loan I ended up falling on was a £30000 loan, I made repayments for over a year and then life went down…
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Newby wanting advice on debts please
This discussion was created from comments split from: Struggling with debt? Ask a stepchange debt adviser a question.
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Best way to split £3k to pay off credit cards
Hi, I have a £3k work bonus (after tax) coming my way in Dec. What is the best way to use these funds to pay off my debts below? All the APRs are similar. My plan was to pay off card 1 and close the card, and then reduce overdraft down to £500. Or should I consider another plan? Thank you. * Credit card 1 = £2,000, minimum…
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CCA / StepChange Sanity Check
Hi, thanks for reading! I’m just looking to sense and sanity check and make sure that I’m on the right path and doing the right things. I’ve lurked and gleamed a lot of information from this forum over the months and found it so incredibly useful. I’ve been in a DMP with StepChange since May 2021, this is for four separate…
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DCA chasing business debt under personal guarantee
This discussion was created from comments split from: Help with a Capital on Tap guarantee.
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Self managed dmp process questions
Hi all, Following advice I received on here a few months ago, I cancelled all 17 of my debt direct debits and stopped payments. So far, four accounts have defaulted. I’ve been monitoring my credit file to confirm each default before making any payments to the collectors. Of the four that have defaulted, none have been sold…
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Reply from Lowell
Sent a ProveIt letter to Lowell, for a debt that defaulted in 2019 (has come off my credit report) but had been paying - last payment was in Jan 2025. Received this in response - is this sufficient to prove the debt? (2. Is their claim that I was paying the debt enough to reset the clock for Statute Barring, or can I ask…
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Moved: Alternative living to escape the rat race....
This discussion has been moved.
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Financial Ombudsman not upheld complaint
I have heard back from the Financial Ombudsman & they have not up held my complaint against Zopa loans. In his reasoning the FO claims my debts totalled £28k at the time of the loan being taken. In actual fact my debts totalled £42k. I learned during an argument with a different loan company that my three Updraft loans…
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