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Arrow Global-BOS Debt-Simple Procedure Form Scotland
Hi folks, Hoping for some advice please. I'm based in Scotland and have lived in numerous addresses over the years. Last week I came home to find a Walker Love note to say that they had a matter to discuss, a mobile number to call and the name was down as "the occupier". I ignored this note as it seemed suspicious to…
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Dealing with PRA Group
Hey all, I've been through this site a few times and there does seem to be a consensus that PRA Group are very difficult to negotiate with. But I couldn't find anything to help me move forward, so I thought I'd outline my position, in the hope of finding some useful advice. I racked up a lot of debt around 15-16 years ago.…
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Pay off debt or bigger deposit?
Hi, I am really not sure which category to put this in to, so feel free to move! 😆 I am looking for some advice and will try to sum up my situation succinctly! I am 36 and am renting my house with no savings at all and never thought I would be able to get on to the property ladder. A few months ago my grandmother passed…
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Intrum Instalment Review
I've received my annual statement through showing I owe just over £3000 from an Egg loan back in the early 2000's. Intrum first purchased the debt in 2007 and I've been paying it off ever since. It's due to be paid off in late 2024/early 2025. I'm wondering what your thoughts are on Intrum accepting partial offers to…
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Taking Action - is a DMP our best option?
Hello lovely forumites :) After a very tricky couple of years my partner and I have today realised we are at financial breaking point. He has contacted Step Change who have suggested a DMP but before we go ahead I was wondering if you helpful lot believe this to be the best course of action? (I've been here before, you…
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What DFW things will you do this week 5/04/21?
When we start out on the DFW trail we do loads of "big stuff" that makes quite a difference to our situation. These include having our lightbulb moment, cutting up the credit cards and cancelling Sky and the gym. But once we have done the bigger stuff, we often feel that we are not making the same amount of progress, when…
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Help - Want to be debt free
Hello All, My wife and I have just started divorce proceedings as we are separating. Unfortunately debt has built up and is one of the reasons why we are getting divorced. I hope to remain in the home as we were originally able to buy via a deposit that was given to us by my parents and she didn’t want to buy originally…
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Unknown Debt - Cabot Financial
I’ve received a couple of letters from Cabot Financial requesting payment of an outstanding debt from a credit card. I have no knowledge of this card or debt. (The debt is over £4500!) 2 letters were just about how to set up a payment plan and to contact them but the 3rd had a table showing 3 payments of £1 made to the…
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ADVICE Pls!??
Need advice please. So currently going to court to get a ccj set aside for unpaid rent. Which I was not a party too, (landlord put me as joint tenant wrongfully) ... I lived in the house for 2 weeks and moved out (had my own tenancy for 3 years and debt started last year) I have a letter from the council stating I was put…
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Full and final words?
Hi, please can you tell me if this wording is acceptable? It's from the debt company and it's been a hard slog to get this agreement. A family member is paying it. I just want to ensure they or no one else can come back afterwards. The nightmare might just be ending, I can hardly breathe. I can confirm we are prepared to…
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Advice needed: Cabot Financial
Hi everyone, I wonder if someone could give me some advice please. I became debt free in December after arranging full and final settlements with my creditors via Stepchange. It seems that one of the debts has been sold to Cabot Financial who are now chasing me for the outstanding balance even though a full and final…
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Tesco Credit Card - F&F offers?
Hi all, I have been making token payments of £5 per month directly to Tesco for about 3.5 years, since defaulting on a credit card. The balance is around £9.2k. I am currently saving to pay this off and wondered if anyone has any experience of them accepting a F&F settlement offer? And if so, how did your situation compare…
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Puzzling problem with Capquest
Hello is there anyone out there who can advise me on an issue. I had a marbles card back in 1997 and went into arrears in 2011 I was issued the usual letters and eventually went on a debt management plan. The debt was sold to Capquest in 2012 . I had other creditors on the DMP all who have now vanished from my credit file,…
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Moved: Best way to build good credit history
This discussion has been moved.
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Need to make £200-250 by next week
Got into a bit of debt and they're collecting the money next week. I don't get paid any Universal Credit until 14th April so will be too late. I cannot get a budgetting advance from them as I already owe the max. I am already listing some old toys of my daughters but they aren't selling and even if they did won't make…
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F and F strangeness
Okay so I have 9 accounts And I owe money totalling, £54k. I have been in my DMP for 16 months. I have had various unsolicited offers of reduced balances to pay stuff off but to this point I have not taken it further. out of the blue, capquest (who own a virgin cc debt) have offered me a settlement at 25 per cent of the…
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3 year plan to get debt free
Hello! After reading a few threads here and lots of articles on the MSE webiste I decided to start my own DFW thread/diary. I have been paying more than minimum on all CCs since spring last year when nurseries closed and then m youngest started school in Sept (no more £1k+pm going on childcare!), but my defnite LBM was in…
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It's time to sort it, but how?!
Hi everyone I have known for a while that being so reliant on credit was wrong but I just ignored it and 'got by' I guess. Recently when I've taken a step back and realised what I am doing and how it is effecting me, I've had to accept there is an issue and look at sorting it out. Despite the feeling of embarrassment and…
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County court form N1SDT
Hello, apologies if this isn’t the correct forum but I’m anxious for some help if at all possible. Joint home was sold in January. The estate agent we used was horrendous, and so I raised a formal complaint with them. There were numerous issues, and I wanted evidence that they had carried out their offered sales…
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Getting my head out of the sand.
Hi everyone. Im going to try and keep my story short and to the point, but i'm willing to be open and honest with you all, so please feel free to go in with the questions. For years and years I've built up silly debts and big debts. Every single line of credit I have ever had, I have abused and ran away from. Its a…