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Contact from Moorcroft Before Default
Hi, My Aqua CC debt has been passed onto Mooorcroft for collection, but the letter states that Aqua have not yet registered a default and may not if I can offer a suitable payment plan. At this point my plan is still to wait for all debts to default and ignore anything before that happens, should I still continue this now…
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Urgent advice. DMP now or default first. Please help on a plan
Hi everyone, I’m new here. I’ve been reading
through posts over the past week and can relate to so many of your stories. I
thought it was time to share my own situation. Thank you in advance to anyone
who takes the time to offer advice — I really appreciate it. I’ve read that it’s often best to
let your creditors default…
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Disability & Unsecured Borrowing
To lay out the facts. Aged in 50s, forced to leave work last year due to declining health and stubborn employer. Live alone, I have recently been placed in the support group for ESA. Only 3% of people ever return to working from this group. it's highly unlikely I will be one of them, given my health issues (physical). I…
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CCJ Advice
Hello all, looking for some advice on a CCJ we recently found out about (hopefully this is in the right part of the forums for this, please let me know if it would be better elsewhere!). In a nutshell, we discovered in Feb that a CCJ had been taken out against my other half for debt accrued on the ground rent on a flat he…
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DMP or Not?? Confused
Hello, I’m looking for some advice and thoughts from people in this great community….apologies in advance for lengthy post! For several years I’ve suffered with an intense gambling addiction (I’m dealing with this through professional help), after hitting rock bottom a few months ago and feeling like I have nowhere else to…
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6 months for write off decision - too long?
I submitted a debt write off request to Link Financial back in January, with full supporting evidence including a DMHEF, police report, specialist counselling letter and details of the abuse I went through that led to the debt in question. It’s now mid June, so six months later, and I still haven’t had a decision. I’ve…
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Cabot county court claim form received, advice on how to proceed most welcome.
This discussion was created from comments split from: DMP mutual support thread part 13 !!.
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Self-Managed DMP - First Contact/Payments to Creditors Advice
Hi there, Just after some brief advice having recently embarked on a self-managed DMP due to a big change in personal circumstances and large uptick in outgoings due to needing a second address. Am in the process of half a dozen loans/credit cards being defaulted, sold, managed by third parties etc, having stopped all…
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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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Final Settlement /Any Advice
Dear all debt-free wannabes, I’m seeking advice on approaching Full & Final settlement offers with my creditors. Here’s my situation: I have been with PayPlan since 2019 and have paid a total of £40,000 so far. My remaining debt is £6,708, with an estimated completion date of 30 March 2027. My current monthly payment is…
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Resolve Call/Cabot Letter
I am currently receiving letters for a historic credit card debt from 2008/9 and the debt balance I do not recognise - It appears it has grossly increased while being passed around. It then went to court and I represented myself in a local sheriff court in 2015 with the help of a CAB lay representative due to not…
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Lowell /resolvecall
Hi i have a statue barred debt, I sent a statue barred letter to lowell and they just kept coming back with discounts via letters I never responded, I have been having text off resolvecall and today a letter do I send a statue barred letter to resolvecall Thank you in advance for any advice
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LC Asset 2 S.A.R.L money claim on unenforceable debt
Good afternoon, Trust everyone is well :-) Question pls- I have received the attached Claim Form regarding a very old Barclays debt and wanted to double check what my response should be before I say the wrong thing. In July 2022 I asked Link Financial to supply the original credit agreement and they confirmed that they…
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DMP & CCAs - going self managed?
Hoping for some help / advice please! Been in DMP with payplan for 2.5 years. For 5 credit card debts. 3 are showing as in default and have been purchased, 2 are showing as up to date: £4448 (now link) - opened originally 2016 £4072 (now PRA) - opened originally 2008 £2221 (now PRA) - opened originally 2021 £4133 (MBNA) -…
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Please help! Advice needed re: IVA
I really need some quick advice. I think I’ve got swept away with the idea of an IVA with PayPlan as that’s what they recommended. A meeting took place yesterday with PayPlan and my creditors to vote, and they said it can all go ahead. Have I reached the point on no return? I don’t think it was the right thing for me to do…
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Need help with debt and credit cards, really don’t know where to start and what to do!
Hi, I’ve come here just for some advice and help with how to manage my finances. I’ve made some really poor financial decisions which has left me with multiple credit cards, high out goings with small not much disposable income and I’m really trying to rectify this anyway I can. I’m trying to avoid going through the IVA…
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Debt write off due to serious mental health - any success stories?
Hi. I'll start by saying, I'm not looking for any medical advice, as I have a full psychiatric team assisting me… Six years ago my mental health deteriorated, ending in me getting divorced and eventually being signed off work. After the divorce, I was left with the family unsecured debts (which were all in my name) of…
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High Court Writ - looks completely fake, is it?
Hi there - I have received an email from a company called HCE Recovery with the subject 'High Court Writ of Control' It is demanding full and final payment otherwise their High Court Enforcers will be visiting for full payment. The debt is genuine - but I have a payment plan with them, so not sure why they've sent this.…
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Advice on my debts please
This discussion was created from comments split from: Struggling with debt? Ask a stepchange debt adviser a question.
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Crippling credit cards - pension draw down in 6 months
Hello there…. house improvements have left us with credit card debts of about 72k, which is costing us a crippling £1,100 per month to service (largely on 0% fee cards). We will pay this off mid-August when we can draw down from a few old pensions, but before then it is making life very hard indeed. Any suggestions at all?
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