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I'm a little confused with ACI
I am a little confused with a debt that I am currently paying off, it was oakbrook loans and the debt was passed on to ACI. This is where I am slightly confused they don't appear on my credit file, I had letters from them in the past which have been Mr instead of Miss so slightly confused with that also as my friend who…
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Cabot Financial
This discussion was created from comments split from: Cabot Financial- prove it sent help with their reply.
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Best Strategy for DMP start date
Hi, I have read a lot of the threads so far and believe I have the best idea for strategy. Between my OH and myself we have £109k unsecured debt (11 credit cards, 3 overdrafts, 2 personal loans and some smaller credit lines from retailers) Yes its a massive hole and have been managing to keep head above water but for the…
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Quick question about CCA agreement
Hi all I wrote about this time last year in total despair about my credit card debt. To anyone going through it, it gets better believe me. I have five separate creditors. All have defaulted and I am making payments to three of them via collection companies. One of my creditors is TSB Bank. I have gone through exactly the…
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Time between default and ccj
hi everyone hope you’re well so I’m in the dreaded period of ignoring all my creditors and waiting for defaults. I had a few questions for anyone who might be able to put my mind at ease im in about 28k of cc debt loan and PayPal credit and an old Lowell account ive been reading this forum through and through and can’t…
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Council Tax Debt Collection
First timer tho I’ve been on the newsletter for years. My mums facing some frustration. Many years ago her and her ex owned a property which due to financial issues, during a nasty breakup, started facing repossession from the bank. My mum moved out and started renting elsewhere. The ex started subletting the rooms a few…
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Cabot Financial
I need advice for a member of my family please. They received a letter saying Cabot Financial had taken them to court, and if debt not paid by 22/8/25 they will send the bailiffs. My family member rung the court this morning , she explained that she had not received any letters etc, she is unwell as she has cancer. Anyway…
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Self- Management DMP- Help
we've decided to self manage our own DMP Plan. my main question is, what do each bank (credit card or loan) ask from us once we say we can only afford X amount each month. Is it 3 months bank statements? wage slips? or is it just an email/phone call back and too? any tips on what to say/do. And the letting all the accounts…
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£15k debt, no income until May - best course of action to take here?
Hi there Owing to some stupid overspending when I was in my early-mid twenties, and then constantly dipping into other sources of finance to avoid sticking to a budget, I've now found myself in £15,179.09 worth of debt, split between credit cards, overdraft, a PayPal Credit account and a couple of nasty payday loans:…
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Updraft/MyCRS
Looking for advice. 3 years ago I took out a loan with Updraft for £8000. I ended up being unable to pay about 6 months later, and agreed to pay them £20 a month in order to get myself sorted out. My debt got sold to MyCRS anyway and I started a payment plan with them for £10 a month. This went on for about a year until a…
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which to pay off next?
Nearly finished paying off the next CC, getting there at long last. I will have a CC with 1800 on it at 0% until April 27 and a loan with 38 months, approx 8000 at 5.9%. I can't decide which to pay off next, admittedly it will only take me a couple of months to pay the CC off but I am tempting to leave it running and pay…
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Do I do an IVA?
Hey guys, woild live your thoughts on this, as all of your advice blows my mind every day! I am shared ownership 50% - zero equity. Single 35 I have about £35k debt including unpaid council tax that has gone to ballifs to take goods. I got in a spiral when I lost my mum and just borrowed as my income went down (commission…
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Zopa loan help please
This discussion was created from comments split from: Zopa Loan default.
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Cabot/ orbit
Hi new here !!! Hoping someone can help I had a letter last week for a debt from 2016 that was with Cabot financial I haven’t made any contact with them since November 2019 , the letter which is in my Maiden name from orbit I didn’t even read I threw away but I also received a text saying someone would call. Also , for…
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old ccjs
hope someone can help! am dealing with husbands affairs as he has slight dementia, Lowell are saying he owes money but the debts are ccjs from years ago which court payments were set at £1 per month as he has no income as I am breadwinner, they say no record but I know they were taken to court, just need to find paperwork…
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unknown debt
Hi All hope you can help! keep getting texts from a debt company called Ophelos stating I owe money on a credit card that I have never heard of! is not on my credit file and search does not show any card in this name i.e. Sky card, any ideas, have emailed them asking for details etc and no answer, just texts every day
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11k debt
Hey everyone, I am hoping you would be able to help me please. I got 11k in debt however my loan of £8500 has now got a default since early July ( made last payment in June,). I was trying to get my debt sorted and reached out to Money Wellness Group, which I found out about as PayPal sent me an email on how to manage…
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Debt Help
Good morning, It's been recommended I post on this board, so if you've seen my post duplicated on the IVA one, that's why? Firstly I would ask that you don't judge, I am fully aware I have made some very silly mistakes when it comes to my money and I am now trying to get on top of them. I have just had a call with…
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Payments after defaults
Just a question on what my next move is after defaults are registered about arranging payments. I’ve got my disposable income of £150 and worked out % payments for my five creditors: > I’ve set up a standing order for a Sainsbury’s loan account which is with Advantis for their % which has been accepted for £9.80 a month…
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Daily phone calls and initial letter from Westcot
Earlier in the year you all gave me some really useful advice about my frightening debt situation. I stopped paying all my cards in Feb/March, and am waiting for them to default. None of my credit card debts have been closed and defaulted yet on my credit record. I had a letter from M&S saying they were passing my debt to…
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Most recent: NST November 2025: NOWvember by beanielou
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