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ccj wrong date and not fallen off credit file.
After attending a court hearing at Southampton County Court on the 22 February 2024 I had a ccj set aside with the consent of the claimant as the paperwork was sent to the wrong address the year before. “The judgement against the defendant shall be set aside pursuant to CPR13.2.” (Document #1). Since then, Overdales have…
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LCS
We are receiving letters from LCS over an EON debt from 2023. We sold the property in question in the early 2000s, the letters are addressed to my partner. I have sent two prove it letters (the last by recorded mail) but have today received a notice of litigation. What's the best course of action... ignore them? Just…
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Default and DMP advise
Hi all, After a bit of advise please, I have x2 cc (Halifax and MBNA, total approx £24k) that I have stopped paying (last payments made were in Nov24 MBNA and Dec24 Halifax) I have today received a letter from Halifax stating that I have 14days to make payment of the outstanding minimum payment due otherwise they may end…
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Lowell email address
Hi, does anyone have an email address for Lowell? I just want to inform them that I’ve said up a monthly standing order but there doesn’t seem to be a way to confirm the payment plan online unless it’s by direct Debit and don’t want to call them. Thanks
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PRA Group- Barclaycard debt
Hi My husband had a debt with Barclaycard for £13k that was sold to PRA Group in March 2020. He has been paying PRA via direct debit £20 per month, he was for a while before B/card sold the debt to PRA paying £20. He didn’t have to change direct debit details or anything, this just continued once PRA took the debt on. My…
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Not so new newbie
Good afternoon! I've been a member of the forums for a long time, but have continued to fail to maintain any type of money saving. My wife and I are extremely proficient at running up dates, we both struggle with impulse buying, we find it hard to stay to routine and plan ahead, and we are easily overwhelmed by choice and…
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Lowell threatening with 4 months until statute barred
I defaulted on a credit card in July 2020. Lowell have bought the debt and have been ringing, texting and sending letters. Today I got a letter saying if I don’t get in touch by 1st April they will send a field agent to my address. How likely is it that they’ll do this with 4 months until it’s statue barred please? What is…
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SOA questions
hello I am trying to complete an SOA to inform next steps and just have some queries if anybody can help. My partner is joint owner of the property however we have been living separately for over two years due to a severe mental health crisis and during that time (and ongoing) I am paying the mortgage and all bills in our…
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CCA request and interest
Hi I am currently on a DMP and looking at sending some CCA requests to my creditors, if any of them come back saying the debt is unenforceable and I stop paying are they likely to start charging interest again? My worry is if the agreements turn up in the future I don’t want to have a load more interest/charges to pay, if…
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Age 50, in debt, aspergers, bad investments.
I have for the past decade been struggling massively, post divorce with metal health and emotional struggles (although very rarely to never visited the GP, as much of the time my children were young and I was simply terrified of any knock on effects). However to cut to the chase I've increasingly made some terrible…
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Lowell debt close to being statute barred HELP!
Hi, So I need some advice because we all know how stressful dealing with lowells can be! I'll try and make this short.... I took out a loan with Lloyds bank a long time ago but made my last payment on 17th Dec 2018 (so very close to now being statute barred) Following a relationship breakdown and a mental breakdown I…
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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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Cabot and Mortimer Clarke THREAD CLOSED
Hi all, Not a great day today as I've had letter from Resolvecall AND Cabot on the same day. Not a nice feeling at all. My letter from Cabot states that one of my accounts has been passed to Mortimer Clarke Solicitors. What does this mean and what could the potential outcome be?
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Debt advice
Got myself into a little bit of mess with credit card debt I owe. £2890 on a Lloyds card to be paid by October 1300 on a NatWest card to be paid by September I will have raised £1500 by the end of April currently working lots of overtime to raise the money and will be able to pay £300 a month no overtime assisted after…
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Tackling £31,000 of Debt
Hi there, I hope this post is in the right place? I would like some help. I really want to start tackling my debts. I am 27, self-employed with a rough income of £2500 a month. I had some issues the last few years, struggling with depression and addiction. This led me to borrow a lot of money that I didn't really…
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Default and DMP Plan thoughts
How do, been lingering on the forum for a while and just thought I'd ask if my plan makes sense (based on a mix of forums and elsewhere). After being in continuous debt over nearly two decades, I'm not getting any younger (43) and I want my debt gone by I'm 50 to concentrate on saving for retirement (beyond work pension).…
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Resolvecall threatening a home visit
Hi guys, Some of you have assisted previously with my current situation which is currently manually dealing with my creditors and not offering to make any payments. All of my original debts have now defaulted and I am dealing with the likes Lowell, Link and Cabot etc. Lowell have been great throughout the entire process…
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Zopa letter
Hi, So a repayment plan I was on with Zopa for 3 months has just come to an end. They have sent me a letter today (dated 17th Feb) informing me that "my loan will soon go into default." But then it also says "Get in touch today to avoid a Notice of Default." So does this mean it's in fact a notice of arrears and I have…
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DMP, maxing credit and full and final offer
I have been reading through all the DMP posts and I see someone asked should they max all their credit before starting their DMP so they have a large emergency fund and can make full and final offers? Is this a route anyone takes? How early in could you make full and final offers? If you have a little lump sum available…
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Amount of Unsecured Debt
Hi again Can I ask does it make a difference the amount you owe one credit card company as to the action they will take when you stop paying monthly payments? My largest credit card debt is 25k and this will be the first month I am not going to pay. Just feeling nervous about what will happen. Thanks
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