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Help - CDER GROUP Warrant but reason unknown
Hi, received a CDER group warrant and money is stated as £1300 on ot but there is no reason or case number or details as to why? it was jammed in door when I got home does anyone have any details on what to do and how to find out more about this? it says they will visit again
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Prioritising what debt to pay first
Hi there, I’m hoping for a bit of advice. I’ve been working at paying off approx £10k debt over the last year and a half. Currently my debt is split between bank Loan @ £2,400 left to pay (£3,900 originally including £435 interest) and my monthly payments are £149 until December 2026. Credit Card @ £2,800, on a 0% interest…
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What to do…
I’m in approx 70k of debt. I have been looking at a dmp and have mentioned this to my partner, however she is not keen. She thinks it may affect my position in regard to an opportunity with the company I work with. The risk as far as I can see it is if I get credit checked however that won’t be pretty without a dmp if…
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Lowells have changed the name on the debt account
I have a few debts with Lowells and i have payment plans with them in place which is being paid on a monthly basis. Today my son came to me as he had opened 2 letters from lowells in his name as we share the name name but different spelling. I contacted Lowell and asked them to send all information they have for all…
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Loan may default, what happens?
I have a £15k loan with Shawbrook that I have been paying off for the last 2 years. The first year was fine, I made my monthly payments on time and in full but then unexpectedly got made redundant and I had some health issues on top of that. So for the last year I initially used my savings to keep the monthly repayments…
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ACI not accepted 50% full and final settlement offer. Next steps?
I have 3 debts all with ACI and have been for about 2 years and have been making token payments if £1 to each following advice. I had made a full and final offer of 50% settlment on each account debt which has been declined. I am naturally confused as I am quite sure this is considerably more than they would have purchased…
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should i cancel direct debits on loans and credit cards
I currently owe around 15k 2 unsecure loans and 3 credit cards. I recently have had medical issues that have stopped me working full time and now registered with universal credit for a health assessment. I have been struggling to pay over last few months and is causing me stress.
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Struggling with debt and trying to find a way out.
Hi After losing my business from a mixture of both Covid and IR35 reform I have been struggling for a long time and it has taken a serious toll on both my marriage, which has failed leading to seperation. I've been in a dark place but after reading through this forum it feels like I might have found a way out. I've been…
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Link Financial - Full & Final Settlements
I've noticed there are a lot of people on here dealing with Link Financial. I currently have multiple debts with them and have started the process of offering F&F settlements. Currently their counter offers are way too high so I'm waiting it out for another 6 months before approaching them again. Has anyone had offers from…
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Desperately need debt help
Firstly I am new to forums and think I accidentally posted this in the wrong place! I will try again… I would really appreciate some advice on how to get out of the massive debt I’ve got myself in. I am meeting minimum payments each month and have no missed payments. However my minimums are ridiculously high and my monthly…
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Lowell - Can't Find Original CC Agreement
Hi folks. I'm currently doing the self managed DMP dance. Brachers have already stated that they will stop any further contact for 24 months. Lowell however have sent me another letter. I had asked them to produce the original CCA. This is their exact reply in the recent letter. Hidden away in the firth paragraph... "Due…
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Crippling debt from private lenders with PGs - Help!
To cut a long story short(ish), my partner & I had a successful business & borrowed funds into the business from private individuals to grow it. Taken in good faith and with a clear plan at the time, which was working successfully at first. However, a number of events, including the pandemic, changed the course of the…
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This is it, rock bottom. Advice please
I have finally got to the stage where I've sold everything, my savings have run out, and I've used all available credit card funds on shopping, fuel etc. I now have nowhere to go except not pay. I have filled in a stepchange form and it says a DMP is the best way to go. Debts are 5k Lloyds card, 4k Lloyds card, 3k Capital…
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Personal Debt Advice - Credit cards with some complications...
I owe roughly £50k on 4 different cards. I've done this to live and pay rent because my business has tanked since the pandemic. I have not defaulted yet but i'm only a month or so away from this. I have nothing. No savings, no investments, no pension, and I rent. I've cleaned myself trying to survive the last few years.…
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No choice but to consider DMP - help appreciated!
Hi, I have been reading advice on this forum for a while and I've realised that despite trying for years to repay my credit card debts I have actually just been treading water at best and now more recently getting further into debt month by month. It has been a combination of everything being more expensive post pandemic…
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£16500 debt and remortgage coming up
I brought a shared ownership house May 2024- since living here things havent been the best leading to £16500 debt. My remortgage is due next year- what can i do to resolve this to enable me to remortgage- thanks
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Iva or Dmp
Hi! I am new to the community and badly needed help and support. I work as NhS staff. Last year was really good but agency shifts nowadays have dwindled down to none. I am in need of advice if I go with Dmp or Iva. I spoke with payplan and SC. Payplan offered straight out of the bat IVA. SC is dmp. My accumulated debt is…
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Link debt.... this is getting weird
I got contacted by Link early this year chasing a debt.. Well, it seems the card which has defaulted belongs to someone with the same name as me but different demographic's. Sometime last year Link where provided with my telephone number, linked to this address. I've had spam calls previously linked to this address but…
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Add 65k debt to mortgage, dmp, or something else?
Hi, we have serious debt. Our credit score is good at the moment but we are struggling to make payments. We need to sit down and do a full SOA this week but I estimate our credit card debt (between us) to be around 65k and an overdraft of 1.5k on our joint account. Our mortgage is due for renewal very soon. Our house is…
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About to enter a dmp, worried for my partners credit rating
Morning, im about to enter a DMP, although im worried about my partners credit rating. we live together and have a mortgage together although we aren’t married… will this affect her credit too? Thanks
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