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Help required with large Persistent Credit Card Debt. Have had a recent first Default.
Hello Debt-free wannabe's, I am new to the Forum so just wanted to say hello first before posting anything in detail. Just wondered if you would be ok with me listing details of 6 of my credit cards and one loan? Thanks, M
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DMP advice please
Hi all. I’m currently looking at setting up a DMP due to the amount of debt I currently have. ( over £60k ) I would just like some advice and help if possible on a few things. Having read a few posts on this forum I’ve set up a new separate bank account and my wages will now be paid into this bank. I’m currently in the…
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Seperated With Mortgage And Secured Loan
Please help... Me and my ex have a joint mortgage and secured loan (2nd mortgage) I'm looking to remortgage with my new partner and remain in my family home. Both our credit scores are around 500 on clear score, we have car finance, store cards, credit cards that have stacked up since all 4 of our young children are now…
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PastDue Credit Solutions - chasing for HMRC payment
Received a letter (8 days after it was supposedly "sent") from Pastdue saying I owed their client, HMRC, £4,3xx.24. I have not received any communication direct from HMRC for this amount. I paid HMRC £5,1xx.84 in March and £100 in April. Should I not have received another communication from HMRC rather than this letter…
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My overdraft showing as up to date on credit file and not defaulting!
Hello, I have all but 2 debts to default, one being a Halifax overdraft, it shows as up to date on my credit file despite being overdrawn and no payments having been made for months. What do I do? Obviously I want them all defaulted for that 6 Years to start, any advice welcome
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Legal action - understanding the difference between companies?
Hello, as the title says, Im a bit confused. All but 2 of my debts are defaulted now and I have received a letter from Lowell who are dealing with my Shop direct debt - not defaulted yet and my Virgin money which is shown as defaulted on my credit report As I have not acknowledged them yet the letter says they are…
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Confusion over debt solution deepens
Hello all When I last wrote (a month ago?), I had been advised to wait a further 3 months before applying for a DRO as I had only taken out 2 of my 6 credit cards in February this year. However the mental strain is too much for me, yesterday I called Money Wellness, who I was planning to use after recommendations on here.…
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Consolidation
I'll make this as short as possible. Was in debt for £4000 which was paid by family. Now in the same boat again, 3 credit cards and a loan totalling around £7000. Any advice as to consolidating all debts into one monthly payment would be great help? I can only afford around £100/£125 per month. ANy advice or help would be…
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Very disappointed with PayPal Credit
Very disappointed with PayPal Credit customer service and the confusing way the whole system operates. A transaction of £1,177.93 (MILLIONVIEW) was refunded, and the refund clearly appears on my statement. However, the same amount still continues to appear as outstanding under a promotional balance section, making it…
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Is this a "letter before action" from Mortimer Clarke
Hi all. I have received a letter from Mortimer Clarke Solicitors in which the header states: "We have been instructed by Cabot to take legal action as you haven't paid your debt, you need to contact us to avoid a court claim being issued against you." They "offer" two options, pay in full £2316.02 or pay by instalments. As…
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Iva
hello I have huge debts and considering an Iva, my mortgage is with the same provider as one of my cards that will be on the Iva, will this make any difference? Any impact on mortgage of the credit card is with the same bank. It’s virgin money
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Help DMP not DRO or IVA-should this be in benefits?
63 year old lady Please don’t judge me being on benefits since my health massively deteriorated over past 5 yrs plus and work issues etc Debt credit cards £9k Car asset paid for - Parkers estimate private £4740 - £5920 (needed as long term Ill health and severe mental health,live out in country very little transport, many…
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Nationwide/Reach Out letters
Hi, I’ve had 2 letters regarding my nationwide loan that I’ve not paid since November 2025. I’m still waiting for it to default. I added the letter from Reach Out below. I know the advice is to not engage, however, as I’m waiting for an answer on write offs due to domestic abuse, I’m unsure if I should speak to them…
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CCA Request
I have paid down all my debts over the last 18 months but have 1 remaining that keeps going round in circles. It’s been through at least 5 different collection agencies, each time I request the CCA, it gets put ‘on hold’ and then I hear nothing, until another agency gets hold of it and it’s a repeat process. I’d kind of…
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Mortimer Clarke Solicitors / Cabot
Hi all, Looking for some guidance on this situation. In 2019, Mortimer Clarke issued a County Court Claim against me for around £550 on an Aqua credit card. A CCJ was entered by default as I didn’t respond due to mental health issues. The CCJ is now over 6 years old. In 2021, Aqua refunded £100 for unfair charges. Those…
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Default Should I Start Paying
My Barclay card has now defaulted and the debt has been sold to PRA and they have passed onto moorcroft to collect payment, do I start paying moorcroft or ignore and wait them to return it to PRA?
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Got myself in a right mess!
Hello all, I've got myself into approx £45k worth of unsecured debt over 1 loan and 5 credit cards. I'm not currently in any arrears, and 3 of the 5 are on 0% interest at the moment. Due to some changes at work, I can see this spiralling out of control. I've entered all my details into stepchange who advised a DMP over 8…
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Advice needed ASAP please!
I had something on hire purchase from Perfect Home and I paid a lot of it off when they went into administration. I had a phone call from someone at the store and they said there was nothing left to pay. Anyway, a while after, I started receiving letters from a company called Perch/ACI saying that I owe £xxx of money…
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Paying off Mortgage
Any advice on how to pay off a £35000 mortgage in full funds currently held with Nationwide Building Society?
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Very new here, not new to debt
Hi, I think my situation mirrors a few people, high debt, not told my partner etc. I have 40k in card debt. I have a loan and a loan that due to finish in 6 months with my parents. My outgoings and card payments leave me about £300 short a month. I earn a decent amount which has helped and hindered me having to do…
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