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Barclaycard sold to PRA
So with the help of this lovely forum I've been making real inroads into my debt so far - Zopa card irresponsible claim upheld and removed from credit report, Updraft 2 loans irresponsible lending upheld and removed from my credit report, still need to pay them back, but interest removed and not reported so a small win for…
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Further Steps Notice unknown debt
Hello all, I was asked by my ex-husband to help pay an amount that he received a Further Steps Notice for recently. He has no idea why he has received this letter from HMCTS Norfolk (with Great Yarmouth Magistrates Court address), and has assumed it is for a CCJ for catalogue debt that was registered in 2014. He recently…
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Link - unenforceable debts and now a letter threatening legal action with Kearns solicitors
Have 3 accounts with link . Sent off for CCAs and received letters saying unable to comply and unenforceable. Continued to have letters so I sent letter saying ’ I have recently received reminders for payments for the above accounts. As per your letters from 4th feb,2025 and 9th dec 2024 you have confirmed you are not…
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Currently in a court process with UK Debt company
I have recently found out I had a CCJ issued in 2019, however I know nothing about it and have moved addresses. I have applied to court where the CCJ got cancelled and I have filed a defence asking for assigned deed , original signed information , transactions etc Also that I could also request a SAR . Is the time limit up…
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Debt Managemt Plan query
Hello. I've been in a dmp for a number of years, paying all my disposable income into it which amounts to about £140 a month. My situation is potentially going to change and my disposable may go as high as £1000 a month. Obviously I want to increase my dmp payments accordingly and start clearing this debt, but, do I 'have'…
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Looking for a little guidance to start my journey towards becoming debt-free.
Hello, I’ve been reading the advice on all the different threads about this, but there’s quite a bit to digest! So, I thought it might be best to ask a few questions about my own situation so I can create the best plan for me and mine. I currently have a little over £60k of unsecured debt caused (mostly) by some…
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New DMP
Hi all, So my DMP with Step Change is up and running....not heard directly from any of my creditors so assuming they have accepted the proposals - I pay my DMP and crack on with life. Getting myself into a sensible budget, changing my mindset and getting myself out of this mess which I created through my own stupidity. I…
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Self managed DMP help
Hello everyone. I understand this topic comes up over and over again but I would really appreciate your time to just clarify a few things, just to make sure I do things in the correct manner and to not dig myself a deeper hole. iv been reading a lot on here so I think I have everything I need possibly. I have debt of…
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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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Can anyone help please with a debit letter
Can anyone help please. I received a letter from A RUk asset recoveries limited. The debt is for a shortfall in a mortgage from 32 years ago, and a court order dated 2001.The letter states that judgements are exempt from Limitations act 1980 and remain live and payable. They are asking me to fill in a financial summery and…
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How much emergency funds to keep momentum?
Hey there, long time lurker on this board. Without posting war & peace my partner and I found ourselves in around £80k of combined unsecured debt by the end of 2023. This was a mixture of existing debt from silly spending habits, house renovation and then failed fertility treatment which really turned it into something…
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Overdraft & Self Managed DMP
I’m already on a self managed DMP and have been since last November. It’s all going well bar a few bumps in the road. One thing I have never tackled is my overdraft. Hence the post. Can you ask a bank to freeze the interest charges on your overdraft and then agree to pay £x per month to gradually reduce it? Would they then…
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Debts under wrong address
A few years back I left the UK and put most of my accounts at my parents address. When I started struggling financially I changed the address on these accounts to a mail forwarding address so I could continue to receive my letters electronically as this company scans them and I can access them from outside the UK. Since…
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Should I contact moorcroft
Hi, I’m embarking on a self managed dmp after reading guidance on this forum. Two of my accounts have now been passed to moorcroft. From what I can tell this just means they are collecting on behalf of the original debt and it hasn’t been sold to them. Do you advise to set up a payment plan or ignore them until it gets…
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What happens if you can't afford to pay?
Hi all, After following the excellent advice on this forum regarding non-payment of unsecured debts to force a default, I am now at the stage where letters have started arriving from Debt Purchasing Companies. Originally, I had 10 creditors with a combined total debt of approximately £50k which have all slowly fell into…
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Advice on SOA please
My main concern is amount of interest on my cards. I have a good credit rating but can’t get a 0% card due to the amount of debt I’m in. Reason for debt is not here any more. Am I best just cutting back on EVERYTHING and paying it off through gritted teeth or are there other options… Some of it is 0% but due to end later…
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Tips for staying focussed
Hi all sorry for a long post. Advice needed. Turn 50 next month, wife same age. We have 10 and 12 yr old kids. I work for a supermarket where every little helps, wife works in a school. We never seem to have enough money. On paper we have £300 left over a month. This includes us paying a relative £170 a month for a loan,…
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LINK Financial - 7 Day notice letter
Hi all. I have received a letter from LINK financial regarding a debt they have purchased in my name dated 22nd July and received on 25th July. They state the following: Despite our best efforts to collect this sum through communication and negotiation the balance of £xxxx.xx remains unpaid. We give you 7 days notice that…
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DMP where to start
Apologies not sure if I’ve stuck this in the right place so if I haven’t sorry. So I’ve accumulated just under 10k of debt. And I don’t feel like I’m in control of my finances anymore, moneys coming out here and there and more debt letters seem to be coming or I owe more money somewhere that I’ve forgotten about. I’ve had…
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Link financial Terminology
I have 3 accounts that are been chased by Link Financial and I am trying to work out if they have bought these accounts or they are just chasing for the original lender. In the messages they are sending me they are using different terminology for each, One they clearly state "Now owned by LC Asset 2" Not sure if this is LF…
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