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Default End Date
Hi all, I got myself into a pretty poor financial position back in 2018/2019 where I buried my head in the sand and picked up a number of defaults and two CCJs. These are now coming to an end, and I just need some advice on what the next steps might look like as the debt still hasn't been fully repaid. The following…
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Lowell Constantly Harrassing
Approx. two years ago I started receiving texts and phone calls from Lowell regarding debt held in someone else's name for an unpaid bill for SSE whom I have never used. I just ignore them all. To get them to stop I have to register on their website with my name and that's something I don't want them to do! Does anyone…
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Response from prove it letter
Hi guys. I have been getting chased by ACI for a debt. They sent two people at different times on the same day to my mum’s house (my former address) while I was out the country on business. They produced a hand written note stating that I had to contact them. I self consolidated my debts a few years back and it’s possible…
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Thinking of DMP, some advice needed
Hi Everyone! I'm currently £33k in debt. Some credit cards, and 3 personal loans. Credit cards repeyments are £200 and 2 of the personal loans are manageble with monthly payments of £120 and £270. The problem is with my last loan which is £580 a month. After all of my bills and repayments I'm left with around £50-£100 a…
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Is this normal...
Hi there, I decided at the end of last year to stop paying all my loans/credit cards as the payments were crippling. Last payment to all was November 2025. Here's a summary: Provider Status Amount Admiral Defaulted £ 17,253.00 HSBC Defaulted with Wescot £ 4,512.67 Ratesetter Defaulted with Arc £ 12,029.00 Tesco Defaulted £…
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Next Catalogue Debt - Brecon Debt Recovery
Hi Last year, as part of my DMP my debt with Next defaulted. Since then, I have been receiving statements every now and then from Brecon Debt Recory. I searched them as I would like to offer a F&F payment but I can see they are part of Next. Does that mean my debt hasn't been sold? Is it likely they will entertain a…
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Trading Loss
Help, A friend has lost money trading and now owe a considerable sum of money. the company want the money back but they cannot afford to give the whole amount back - is it possible to come to an agreement of some sort? Help please
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Some advice please
Hi everyone, i have been hovering over the post button for some days how. I am in around 21k of personal debt. 3x credit cards & a Very account. 10k, 6k, 4.5k & £500 . I have considered a DMP with step change but then I have been reading threads on here for around a week which suggest the best form of action is to first…
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Good income but but can't get out of debt
Hi, apologies if this is a duplication but I don't know
where else to go, let me know if it is and I will delete. 5 years ago: I, wife, and new baby lived in accommodation provided
by family business. Business changed due to a death. Family dispute, had to
leave business. Had little savings due to being partner in business…
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TBI financial services
Evening all, Has anyone had any experiences with TBI financial services? I currently owe £4,160.68 on a defaulted plata loan and paying back £15.00 per month. I’ve recently come into some money and wanted to offer a full and final settlement but found them less than cooperative and said I’d need to pay the full £4,160.68.…
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DMP and out standing debt
Hi all thanks for previous help, I needed a bit more 118118 have now sold my debt. The original debt was £1800 but they are saying I owe £3567 which would include the interest over 5 years? Can they request that or do I need to contact the new owner and advise original debt was £1800. Regards Blueblonde3
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15 year old debt,Carbot warrant of control
Hi So hopefully I can get some advice. I had a overdraft maybe 15 years ago with Santander . Had some bad times so didn't pay it back. Then carbot bought the debt and now I've got a warrant of control, the dreaded 7 day letter. Now I admit I've ignored all the previous letters as I thought considering the age of the debt…
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£57k debt - Stepchange or self?
Hello, I (29M) am finally resolving my debts after years of letting it get worse, I found myself trying not to miss payments and so took out further money which got me into this hole. (Not missed any payments on anything) I have 4 loans, 3 credit cards and 3 overdrafts and I am looking at a DMP with Stepchange, I can…
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DMP Starting Advice First Default Zopa
I'm in the first stages of self managing my own DMP. I owe to Zopa Nouvuna HSBC Bounce Back Loan Very Aqua credit card - Passed to wescott to support collections but not yet defaulted Original amount to Zopa 25000 but due spiralling debt I can no longer afford the £568 per month payments. I've had this letter from Zopa, I…
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6 months missed payments, no correspondence since June. Moocroft contacted- HSBC Debt
I started missing payments in January 2025, and between February and June I was getting loads of letters from creditors—mostly warning that my accounts would be defaulted unless I paid in full by certain dates. But since mid-June, things have gone strangely quiet. I’ve been checking my credit reports across different…
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Credit card default
Hello, advise please for my daughter, she is married they own their home, she changed banks accounts and the DD for her credit card defaulted without her realising, she has the money to pay so it is not that she dosent, she got a letter which first bought to her attention, she acted quickly contacted the card company to…
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Debtors lawyer offered to file complaint against bank they were representing?
I finally plucked the courage to call and reply the letter before action... I emailed and was sent an email with the file to fill and send. Today I called. They refused my offer of £50 per month, stating it would take to long to clear the 25k debt, my hope was that they would accept and I could overpay when possible, and…
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Old unenforceable debt sold to resolve
Hello, not too sure what to do here so hoping for some advice. I defaulted on a Virgin CC in 2020 and went onto a DMP with Stepchange, the debt was passed to Arrow Global/Capquest and in Sept 2021 I sent them a CCA request which they were unable to fulfil so I stopped paying via Stepchange in Dec 2021 and i didn't…
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Opos letter of non existent debt
My wife has just received a letter from opos saying she owes money to capquest debt collection via shop direct. We sent a prove it letter to capquest in may and have now received one from opos. First question are they allowed to do this as we already sent a prove it letter to capquest Second what happens if we get no reply…
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Updraft sold account to Perch capital but never issued default notice or default
Hi, wonder if anyone can shed some light on a development in one of my lenders that I’ve been trying to get a default on. I stopped paying 2 Updraft accounts my regular monthly payments back in March (on advice from the forums on how to manage my debts that I can no longer pay). After a few months of hassle from Updraft…
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