-
Enforcement notice for non domestic rates
-i have a council after me for non domestic rates long story my dad bought a café at 81 as a dutiful daughter i helped were i could to run it the lease was in his name and all the takings went into his bank an accountant was employed to do accounts do wages etc at the time i covered holidays says off and sickness which i…
-
Nationwide and Moorcroft Debt Help Needed.
Hi, I’m looking for some help with a credit card debt with Nationwide/Moorcroft. Sorry if this is a bit long winded…. Back in August 2018 I defaulted on a Nationwide Credit Card which sat on my credit file. The Card was originally applied for back in 2007. In that time I never contacted Nationwide or acknowledge the debt…
-
CCA’s or Statute barred (prescribed debt) to try and end DMP
Good evening, First post here but I’ve been a long term reader of the site. I was looking for some advice if anyone is kind enough to help. I’ve been on a DMP with PayPlan since 2008. Original debt total was £45k and the remaining balance is around £24k. I pay £100 per month. Many of the creditors have changed a few times…
-
Defaults starting to hit credit file…guidance?
Hello, seeking advice! I signed up to StepChange in December and deferred my first payment until 1st Feb. Embarrassingly, I have around £80k debt across 3 loans and a number of credit cards. I have only missed the January payment on all debts… question is should I pause with StepChange and let all debts default before…
-
Need help with Cabot response
Hi Everyone, I am seeking advice over a defaulted debt that is being chased by Cabot Financial. I've had a read of the forum but still looking for some further advice before I proceed as this is all new to me. They began chasing me at the start of the year by sending letters and calling me daily. After weeks I wrote to…
-
Notice of Default or Default Notice
Hi, all. My name is Shem and I am on the begining of my DMP journey.The time came for me to ask for help. My question is: Is this letter from Zopa (below) an official letter informing me about defaulting my account or just another letter before they will do it?It looks official and has this line about Consumer Credit Act…
-
Should I start paying now? Unsure.
Not sure if I should be starting to make payments yet on two of my credit cards ive not paid and was waiting for defaults. Both with Newday they are Pulse and Marbles cards and both accounts have been terminated and I have passed the 180 days and saying they will default. I still receive letters saying over my limit that’s…
-
DMP - continue payments to creditors until setup?
Hi, I applied for a DMP with StepChange a couple of days ago. I understand it can take 1-2 weeks usually to setup. Their advice is to carry on regular payments to creditors until it is setup. However, the entire debt to my creditors was included in the DMP. So if I continue to make the regular payments, I will have…
-
Enforceable?! Link
At the end of March my husband and I requested ccas from pur creditors and used the debt camel template requesting the agreement and statements. Link (a fluid card) have come back with a letter saying enforceable and included the origi al agreement with an electronic signature but no statement. Link also (an aqua card)…
-
First default hits…not sure of my plan now
As title, first default has appeared on my credit file from NatWest for one of my two credit cards with them. I also had two personal loans with them and all are with Financial Ombudsman for an affordability complaint and I’ve had letters from Moorcroft for all four accounts. NW nor Moorcroft have had any payments at all…
-
Barclays will not send one off lump repayment information in a letter
I am in the process of planning a one-off lump sum payment to Barclays Bank for a large percentage of my mortgage balance, but not the entire balance of the mortgage. When I call them on the phone, they are quite willing to give an indicative idea as to what amount the mortgage balance will reset, and to how much the…
-
Issues with Equita
Hello, My husband has a debt for roughly £2000 originally for a university module he never attended but had to pay for still. Anyway, didn’t pay as tried to fight it, ended up with CCJ and sided with Uni and the debt has been with Equita ever since. started off £25 per month and then dropped down to £10 due to financial…
-
0% interest rate withdrawn
Good morning I've not been here in a while. Life got busy but I am digging my way out of debt slowly but surely. My mental and physical health are still poor, I remain on numerous waiting lists. I have told them before that I have long-standing mental health issues and am awaiting an autism assessment and these both affect…
-
Is defaulting my best option or should I ask for breathing space?
I’m devastated that I’m writing this, but I think I’m going to have to default on my credit cards as I’m unemployed and about to run out of money. 32, f. Was made redundant six months ago, had a severe mental breakdown/psychotic episode (not related to the redundancy), took a break, have tried to get a job for the past few…
-
Affordability complaint
Silly question I’m sure. How do I make an affordability complaint to Barclaycard and MBNA? Thank you
-
91k in Debt and don’t know where to turn
Hi all, hope you are all well. I have found this forum and have been reading some stuff which have helped me a little bit. As you can see from the title I am in huge debt 7 credit cards practically maxed out ( 42k ish)5 loans and two overdrafts. I have a house worth 250k with £168k left on the mortgage. It was a build up…
-
Switching broadband provider
I have been with BT for donkey’s years for provision of my
broadband and landline (yes, I still use a landline). My current broadband is rubbish with a download speed of about
31 Mbps I cannot get any faster because of the infrastructure – I have
part fibre and aluminium cables from the cabinet. We haven’t even got copper…
-
They thought I was dead...
So, a few weeks ago, I had a Section 87 notice from Virgin
Money dated 3rd April. The default is still not visible on my credit report, 6
weeks later. I received what can only be described as an ‘unusual’ letter
today from Virgin Money. It was addressed to my ‘representative’ and the contents of
the letter referred to…
-
DMP or arrangement to pay?
Hi, Just wanted some advice, what is better to do - 1) Let debts go to default and arrange DMP 2) Make agreement with creditors for an arrangement to pay as I have not missed any payments yet
-
PRA Credit agreement received
Hi all, I have a long term debt from 2016 originally with Halifax and PRA purchased this in December 2023. In February 2024, I rejected the credit agreement which they prompted provided a scanned bank copy, disheartened I continued to pay the debt down every month disgruntled knowing the paid pennies to the pound for the…
A place for MoneySavers to share their journeys towards debt-free living.
9K discussions
1.7M comments
Most recent: The Cutting Down Alcohol challenge for August & 2025 :) by cathybird
Today at 10:23PM
Forumites help each other push down their debt by setting challenges and encouraging each other to achieve their goals.