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CCJ from 2012
So as titles say I got a CCJ awarded against me was going through a divorce ex wife wasn’t paying anything towards mortgage and basically had to pay it on my own which meant at the time had to pick between credit card debt or house. So don’t know how but the payment set out in the CCJ was to pay £20 a month which I have…
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Lowell refusing to provide debt is mine.
Hello, I have asked Lowell three times since August to provide proof that a debt belongs to me. I have quoted the relevant legislation l from the FCA CONC 7.14.401/04/2014R Where there is a dispute as to the identity of the borrower or hirer or as to the amount of the debt, it is for the firm (and not the customer) to…
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Debt from uksearch Ltd that I feel I don't owe
Hi I've been given a water bill f9r a unit that I rent which I feel I don't owe. This is due to the fact that the company I rent off have said the utility bill I pay each month is for the electricity alone as they cover the water. I was sent a letter from business stream 2/10/24 saying welcome on board. I never signed up…
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Making a full & final settlement offer
I am currently in a DMP that will take 14 years to complete. A friend will give me money to make a full & final settlement offer. Should I make the offer through my DMP provider or go to the individual creditors myself?
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Finally a default!
Hi, we stopped paying credit cards in June as our debt reached 75k and was out of control. We have been waiting for accounts to default while managing our budget and building some emergency fund, albeit not as much as planned due to essential repairs. We had a text message today from Wescot saying they've taken over my…
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Debts & Defaults
Hi All, First time poster but long time lurker. I've been trying to sort out my debts for a long time but keep making excuses and burying my head in the sand, so posting on here now have some accountability. 'Luckily' all my debts are unsecured, except my mortgage which I am managing to keep up repayments on. Unsecured…
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Moved: British Gas Bills
This discussion has been moved.
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Not sure where to start. Large debt & just sold house but likely being made redundant tomorrow
Hi everyone, I’m hoping someone can offer some advice. My wife left me three years ago, and for the first 18 months I really struggled to cope — not just emotionally, but with managing everything outside of work. I found it hard to keep up with the mortgage on my own (she moved out), along with all the bills, child…
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Defaults
Hi all, you’ve been very helpful so far, thanks as always for all advice. We are now 7 months in to this. We have been slowly building an emergency fund, as well as sinking funds. Various default notices have come in. I’m just wanting to check if we are still doing the right thing… Husband’s Barclaycard has defaulted, debt…
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Another opos victim
i have read throught the topics and judge i need to send a prove it letter but here is my take on the situation. i receivedf by 2 different emails address the same email with the same "account and pin". (not i receive text in plain format not html and spotted their tracker) from some femal name. i created an email account…
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Cabot and Lowell
I would really appreciate some advice as I don’t know the best way
to go about this. I have 3 debts I’d like to pay off. 1. HSBC loan from 2009. Went to Myling Europe (?) in 2014. With
Cabot now. £8515 2. HSBC credit card from 2009. Went to Myling Europe (?) in 2014.
With Cabot now. £1617 3. HSBC (loan or card?) from…
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Cabot advice
Morning all my halifax defaulfed a year ago and been paying cabot £20 a month. They have written to me to say they want me to do a budget again to try pay more Do i need to do this? I have offered to pay £30 now but there still asling me to do a budget thanks all
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Part Settlement Offers
Hi, Been ringing round creditors in my DMP regarding part settlement. One has agreed to 20% just off phone call. Generally average is 50% One only offering 80% One will only consider anything after income report. With the 50% + ones, how might try to reduce more? Some said this is our final offer - shall I send them a…
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Over 100k in debt due to Gambling Addiction.
Hi 👋 all, I recently got myself cured from a very severe gambling addiction.I praise GamCare for the work they do and help people get out of this vicious addiction. Now I found this lovely community and looking for some advice in hoping I can find a way out with all the debt I accumulated . The 108k debt which is between…
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Default notice help
Hi all, have been reading a lot of great advice on here last couple months. I've just started facing my debt repayment journey and after reading advice on here have stopped paying and have been ignoring my 3 creditors (2 unsecured loans (Abound & Lloyds Bank & 1 Zopa credit card) with debt totalling around £10k. One of my…
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CCA by email / login
Hi all, Long time since I posted on here but
regularly check the forums to see all the positive advice being given. My DMP started in April 2018 and has
been trundling along since then. All my defaults have now been
removed from my credit ratings. A large chunk of my debt has been paid off but
still a fair way to go with…
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Aci/myjar
Hi, ive just found out that ACI send an agent to my door, I was out but they chapped my neighbours door to see if i lived there and asked what my surname was, she didn't say anything but can they do that?
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Unsecured debt help - I feel helpless
Hi everyone, I have been reading a few thread on here for a while for some support and advice and feel like I need to post my own issues to get some more personalised advice. Long story short I have around £43,500 of unsecured debt. A mixture of unsecured loans and credit cards that I physically cannot pay. Zopa Loan -…
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PRA Partial Settlement
Hi. This is my first post on here. I entered into a DMP around 3 years ago for multiple credit cards. I have since sold my house and have money to pay a good chunk off so contacted the debtors myself seeking 'partial' settlements. One debt was with Morrcroft who have accepted £2K for a debt of £2,900 which I have today…
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PRA Offer
Hi, I have been waiting for a Barclaycard debt to default, and was then going to start paying. I was considering a CCA request for this debt as it was from a 2012 credit card. PRA have bought the debt and have offered a 65% discount (it’s £2500 originally) if I pay it over 6 months. I could just about afford this, it says…
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