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Account disappeared from credit reference agency reports but not due to old default?
Hi, this is a bit of a head-scratcher for me and I'm not sure how to proceed without potentially putting myself in a less favourable position than I am now. I would really appreciate some advice or inputs (if someone has been in a similar position). I had a Vanquis credit card (among others) and in August 2019 I entered…
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Communicating Change of Circumstances with Creditor
Good morning My partner and I are going to be splitting up this year and selling a jointly owned house. I'm going to struggle paying my credit card bills next month. I had my heart set on cancelling direct debits and starting saving for a DMP as they default but reading further threads some people have had success talking…
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Credit Card debt issues
Hi all not quite sure where to put this post as it crosses different category's. I usually flip my CC's every 12 months from one promotional rate to another just paying off the minimum payment as its all i can afford with having 2 teenage lads now swinging the hinges off the fridge on a daily basis and the cost of living.…
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Balance Transfer Card for Next Account
Hi all! I’m autistic so bear with me, I tend to just write things as they are in my head so I hope it makes sense to at least one person :D I’ve been pre approved a balance transfer card at 0% for 31 months with £3000. I’m wanting to use this to pay off my Next credit account faster which is at £3000, its interest is 24.9%…
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Nationwide and ARC
Good morning all. I am just looking for some peace of mind. I have worked hard over the last ten years and reduced my credit card debt from around £48,000, now down to under £10,000. Most of this is with PRA who I pay £40 a month to but I do owe Nationwide just under £2,000 for a credit card. All of my debts dropped off my…
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Irresponsible lending complaints advice
Hi, I'm just looking for a little advice regarding my complaint responses. Virgin CC have refused the complaint so I've sent to the FOS. Barclaycard have replied to say yes they agree I shouldn't have had the last increase from 6k to 7k so have dropped the limit back to 6k and ive just received response from Castle…
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Full and final settlement - Lowell
Hi all I got Lowell to agree a partial settlement for a defaulted debt. This was their email response to me. Is this watertight enough to not sell the debt on or do I need more from them before sending the money? Dear xxxx Your payment planBalance £490.94Agreed payment amount £200.00 *Thanks for your recent payment offer.…
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ACI / Updraft
Hello, I posted my first post last May 2025 mentioning I was approximately in £70k of debt due to gambling. Today, I am mentally feeling a lot better with my debts across 11 creditors at £57k so I'm immensely proud that the balance is going down. I did go self managed and found thing so stressful so I went with PayPlan for…
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Difference between sold and managed by
So I’m in the process of defaulting, I have 11 creditors quite a bleak situation with 9 of them defaulted. Also just want to thank everyone it’s been a tough old time of anxiety, regret, shame and quite scary so thank you for everyone who’s helped in any of my previous threads. basically PRA have 3 of my debts and WESCOT…
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Best way to allocate £12,000 between creditors?
Hi all, Hope everyone’s doing okay. I’m after a bit of advice on my situation. I’ve got a lump sum and I’m not sure of the best way to split it across a few credit cards to steady everything out. I had to leave my job and things kind of snowballed. I had two accounts on payment plans (Tesco and MBNA). Over the last few…
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Default
Self managed DMP. My first default back in November (noticed on credit file in December) was from PayPal however they haven't sent me any default notice or passed the debt on. How would you manage this? Await official letter to start payment plan or just start making payments to PayPal?
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British Gas have destroyed my partners Credit Score
Apologies for the long thread, but hoping for a bit of advice. My partner checked her credit report recently as she was having issues applying for a new bank account. We found late payment marks (totalling £1300) from British Gas every month since the start of 2025 for a property she hasn't lived in for over 15 years; this…
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How best to allocate £6k cash + £6k loan across cards?
Hi all, I hope everyone is well, I am hoping someone can help advise me. I want to know what the best way to allocate a lump sum across several credit cards to avoid defaults and stabilise my situation. I would truly be grateful for any advice and ideas. II had to leave my job and unfortunately spiralled and missed…
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Natwest Drydens Solicitors help please
Natwest loan I defaulted on August 2024 - been waiting for contact to arrange DMP - have received letter from Drydens solicitors in January saying passed to them and threatening action. I made contact and filled in their income form and offered £45 - the loan balance is £17,723 This is now their response I'm confused, what…
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Help with Resolvecall! Debt over 6 years old
Hello all, Thanks for taking the time to read….. I have received a letter today from Link Financial stating a company called Resolvecall with conduct a visit to my house. The debt relates to a Barclays credit card. The card was opened in 2008 and I would say I probably defaulted between 2010-2012. Since I defaulted I have…
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Nearly there - What would you do?
Hey all, So my wife and I have been working hard over the last few years to become debt-free after many years of irresponsibility. We no longer have any personal loans or credit cards. We do have a mortgage and a couple of PayPal pay-in-3 agreements, but the figures are all smaller and manageable. The issue we have now is…
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CCA Query - Statements sent to me (PRA Group)
Hi Back in December a I made a CCA request to PRA Group. today I received this letter and about 30 pages worth of statements. This debt is related to a Barclaycard CC. is this enough for them to satisfy the CCA request? I just wanted to double check as if it’s, I’ll need to let my DMP know to add them back. tia!
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Help: A map for the financially lost
Ok. I am lost and indecisive. Ten yrs ago my plan was to be mortgage free by 50. I am 50 and lost. I need a plan. A plan to stick to! I work in a supermarket full time and have 2 teenagers Car broke and mum loaned my £10k. No pressure to pay her back, in fact sometimes she talks like she doesnt, but will not commit to…
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Quandaries on debt arising from company insolvency
Hi All, Newbie here and not sure if this is the right forum to be posting about my situation - so apologies if I've got it wrong. I'm an (ex) director of a company that is currently going through a CVA. My co directors and I founded and ran the company for a long period of time through good times and bad. We signed…
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Improved situation but still unstable income — best next steps? Self-managed DMP?
Hi everyone, I posted about six months ago after being been made redundant and my debt was mounting up quickly. At that point I was in a really difficult position, pretty much having to choose between paying debts or keeping a roof over my head, so I stopped paying most of my creditors. I did continue paying a few of the…
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