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Sense check please
Hi all, thank you for the amazing advice and tips I have been reading over recent weeks. They have given me hope that we can get out of the hole we have been digging deeper and deeper for a few years now. We have two kids, one now adult and pretty much independent, and one living with us who has an extraordinarily…
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Persistent debt need help
I'm not sure what to do , I've been irresponsible and have got Credit cards and catalogues naxed to the limit and im spending £675 a month which is over half my part time income each month on repayments. I'm not making a dent in any of the credit card balances as the little bit of freed up money I end up spending on…
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Default and ccj
Hi guys hope you’re all well. I’m in a bit of a panick. Have unsecured debts of about 26k have stopped paying it all and only one credit card with Vanquis has defaulted. I stopped paying everything around June/july im going to do a dmp with step change but I’m trying to save an emergency fund as advised here but haven’t…
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Is this a scam?
I received this email today, is it a scam My name is Edward Adams, I am contacting you from Debt Enforcement Bailiffs. I am sorry to have to tell you that First Debt Enforcement has obtained a liability order against you for not paying contractual payments towards your debts. THIS IS A SERIOUS MATTER AND YOU SHOULD NOT…
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Debt help. Unsure on what to do
Hi all, I've had a read through the forum and can't see anything like my particular situation. I've read up on consolidation, IVAs etc.. Quick version. I've been self employed/company director for 20+ years. No debt. No loans. With no debt I found it hard to get credit. I opened a new business in a different industry and…
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Help on opos issues .. is it a scam 🤔
Hey 👋 Im having issues from OPOS having letters and emails saying i owe money but have never used this company or had anything from them via a credit company I've sent 2 x prove it emails and keep getting this back from them ...... Hello Thank you for your email. We are contacting you on behalf of one of our clients who…
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Advice Needed with Cabot Financial
Hi, I'm new here and need some advice if possible. I've been reading as much as I can but I'm confused about what to do. I have summarised and, hopefully, added the info needed below: Credit card with Santander - last payment was made 2 Jul 2019. I have a default showing on my credit report (no balance shown) as registered…
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Old debt resurfacing
Hope someone can advise. I am currently in contact with Lowell regarding outstanding debts. There are three of them. One is a shop direct account they have agreed verbally is statute barred and told me they will close this. Another which is around 3 yrs old for which I have set up a payment plan. They have also told me…
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Lantern
Hi, I'm Looking for advice please. I've been getting bombarded with emails and letters from lantern, who say the acting for perch and are going to give me a home visit to discuss payment of a loan I had with Sunny for £439 years ago, will I need to speak to them, any advice would be great...thanks
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PRA (Barclaycard) debt
Afternoon all, I have had a read through a lot of the topics and it’s a great resource and full of great advice. I’m hoping for a bit of advice with my situation. I got into a bit of trouble back in 2018/19, leading to missing payments and subsequently defaulting on a few credit cards and a loan. I have since paid off all…
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New mortgage deal during DMP
This discussion was created from comments split from: Struggling with debt? Ask a stepchange debt adviser a question.
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Debt recovery
Hi purchased motorcycle in May, I had received an over payment but unaware of it. I received debt recovery emails/phone call but no contact from Superbike factory. I had blocked them because I was getting so many emails selling me bikes. I would have thought I should have received a formal posted letter, any advise would…
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Update: Irresponsible Lending Complaint Against Amex – Refund of interests and charges
I raised a complaint against Amex for irresponsible lending, and the investigator has now issued their draft decision. They concluded it wouldn’t be fair for Amex to refund all interest and charges dating back to September 2017. Instead, they’ve recommended that Amex: • Refund all interest and charges from April 2019…
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Where to begin/realistic expectations
Hi forumites! I’ve been in debt for as long as I can remember and have wanted to pluck up the courage to do something about it for quite some time. I believe I am in what constitutes as a ‘debt crisis’ (debt slowly increasing without being able to reduce it). I’m hoping for some advice on where to start and to manage my…
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County court claim for old credit card debt?
I understand its quite rare for this kind of debt to be pursued in this way? not really sure what my options are, am I able to negotiate an arrangement and avoid court? Thanks p.s this is an ancient debt, and relates to old posts
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Creditor offering 40% settlement deal
Hi, One of my past high risk APR credit card debt collector has contacted me about a one off settlement figure on next payday and having the credit file marked as partially settled which I really do not mind and hopefully prevent me getting into trouble again in the future, just they want an income and expenditure form…
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Advice for no debt solution
Hi I posted in the wrong thread but just looking for some advice about a debt solution and guided over here I completed a DRO application with money wellness but the advisor didn’t submit it as he said my salary sacrifice car lease would make it unsuitable due to the cost. The cost is £579 but actual cost to take home is…
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Finally Come Clean
Hi all, So I have finally come clean to my other half regarding my debt. Not the full extent, as I am not ready, but I will be with time. This is due to a gambling addiction, for which I am seeking help. I have signed up to gamstop & intend on making an appointment with GP. Naturally he is upset, disappointed & things are…
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Claim form received from Kearns Solicitors
Hi Forum, I have received a claim form from Kearns Solicitors acting on behalf of LC Asset 2 SARL. This concerns a hire purchase agreement for a vehicle I took out in 2016 but due to unfortunate circumstances I had to default in 2019. The original debtor was Moneybarn but I think the debt has changed ownership a few times.…
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Consolidation
Looking for some on advice on whether a loan or a cc is best for consolidation?
A place for MoneySavers to share their journeys towards debt-free living.
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Most recent: It's me, hi, I'm the problem, it's me by Dakota_Rose
Today at 5:42PM
Forumites help each other push down their debt by setting challenges and encouraging each other to achieve their goals.