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CCA Reconstituted Agreement enforceability
Hi long time lurker who has gained a huge amount of knowledge from the bored. I’ve searched the forum and can’t find a conclusive answer to this so felt I had to reach out. I’m in a self managed DMP. PRA Group bought my Barclay card debt. I sent them a CCA request flowing which they sent me a year’s worth of statements and…
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Next Steps After Defaulting
Hi, Ive defaulted on my ZopaLoan and it's now at the hands of PRA Group. I'm also waiting for my credit cards to default. What do I tell the PRA Group in the mean time. Thanks.
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Debt collection letter from Capquest/Opos/Arrow Global
I have seen a few posts related to these companies, my husband received a letter from Capquest/Opos/Arrow Global chasing payment of an overdraft account on a Lloyds TSB account, he doesn't recall having an overdraft account but did have an account with them over 25 years ago. The total supposed debt is £101.81 with an…
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Feeling Bullied & Harassed by my Mortgage Lender
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Waiting for defaults
Hi, after advice here in May we stopped paying all credit cards from June onwards. We have been getting lots of letters, phonecalls and messages as expected but haven't engaged in any. I've had a couple of messages saying that the accounts will default and we will be asked to pay the total sum immediately if we don't…
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Lowell - help me write a letter!
Lowell started harassing me for an old British Gas debt in 2022. I'd left the address in 2017 and I didn't recognise the debt and couldn't find any payments to Lowell in my bank statements. In 2024 I wrote a prove it letter. They replied I'd last paid them in 2022; further correspondence showed I'd been paying them as…
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random email anyone have a clue about this?
this email came through i think its fake as i have no known debts in arrees anyone else had this? To:YouFri 08/11/2024 13:05You replied on Fri 08/11/2024 16:55FINAL NOTICE BEFORE LEGAL ACTION Dear, me We have made various attempts to contact you and given you many opportunities to respond us regarding your debt owed.…
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Getting a loan with a DPP
Hi there I'm currently in a debt payment plan and want to get it paid off asap to sort out my credit score to allow me to release some equity in my house (it's quite complicated, so a loan is the only option)... Has anyone successfully applied for a loan while in a DPP and with whom? I don't want to affect my credit score…
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Credit freeze
Can anyone advise if it is possible in the UK to be able to freeze any application for credit to include pay day loans. I know it is possible in the US but I am having difficulty finding the same here. Surely it must be possible. Any advice would be amazing. Thank you
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Help - CDER GROUP Warrant but reason unknown
Hi, received a CDER group warrant and money is stated as £1300 on ot but there is no reason or case number or details as to why? it was jammed in door when I got home does anyone have any details on what to do and how to find out more about this? it says they will visit again
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Prioritising what debt to pay first
Hi there, I’m hoping for a bit of advice. I’ve been working at paying off approx £10k debt over the last year and a half. Currently my debt is split between bank Loan @ £2,400 left to pay (£3,900 originally including £435 interest) and my monthly payments are £149 until December 2026. Credit Card @ £2,800, on a 0% interest…
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What to do…
I’m in approx 70k of debt. I have been looking at a dmp and have mentioned this to my partner, however she is not keen. She thinks it may affect my position in regard to an opportunity with the company I work with. The risk as far as I can see it is if I get credit checked however that won’t be pretty without a dmp if…
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Lowells have changed the name on the debt account
I have a few debts with Lowells and i have payment plans with them in place which is being paid on a monthly basis. Today my son came to me as he had opened 2 letters from lowells in his name as we share the name name but different spelling. I contacted Lowell and asked them to send all information they have for all…
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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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ACI not accepted 50% full and final settlement offer. Next steps?
I have 3 debts all with ACI and have been for about 2 years and have been making token payments if £1 to each following advice. I had made a full and final offer of 50% settlment on each account debt which has been declined. I am naturally confused as I am quite sure this is considerably more than they would have purchased…
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should i cancel direct debits on loans and credit cards
I currently owe around 15k 2 unsecure loans and 3 credit cards. I recently have had medical issues that have stopped me working full time and now registered with universal credit for a health assessment. I have been struggling to pay over last few months and is causing me stress.
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Struggling with debt and trying to find a way out.
Hi After losing my business from a mixture of both Covid and IR35 reform I have been struggling for a long time and it has taken a serious toll on both my marriage, which has failed leading to seperation. I've been in a dark place but after reading through this forum it feels like I might have found a way out. I've been…
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Link Financial - Full & Final Settlements
I've noticed there are a lot of people on here dealing with Link Financial. I currently have multiple debts with them and have started the process of offering F&F settlements. Currently their counter offers are way too high so I'm waiting it out for another 6 months before approaching them again. Has anyone had offers from…
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Crippling debt from private lenders with PGs - Help!
To cut a long story short(ish), my partner & I had a successful business & borrowed funds into the business from private individuals to grow it. Taken in good faith and with a clear plan at the time, which was working successfully at first. However, a number of events, including the pandemic, changed the course of the…
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This is it, rock bottom. Advice please
I have finally got to the stage where I've sold everything, my savings have run out, and I've used all available credit card funds on shopping, fuel etc. I now have nowhere to go except not pay. I have filled in a stepchange form and it says a DMP is the best way to go. Debts are 5k Lloyds card, 4k Lloyds card, 3k Capital…
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