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idem Servicing - Ex partner's debt
I have a friend and their ex-partner, of around 15 years ago, went bankrupt around 8 years ago and then he (my friend) started being chased by idem Servicing for payment of a loan (in the ex-partner's name but my friend was the guarantor) and a joint account. He was told by idem that he owed the money now and he simply…
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I struggle to read, but want to run my own DMP
Hi I have several disabilities that make combined make focusing for long periods difficult I was wondering if I can default on some unsecured debt and not all of it and then set up a DMP with the creditors I defaulted on. Largely because my bank just took over Tesco’s loans and I have a pretty affordable one with them, £99…
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PRA Group Harassing
Hi All, After some advice, if you don't mind. I have an old debt that I believe to be statute barred. The original creditor was Quick Quid but I understand they actually dissolved and the debt is not showing anywhere on my credit files with QQ or with PRA. However, I believe the debt is from 2015 and no payments were made.…
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Sense check please
Hi all, thank you for the amazing advice and tips I have been reading over recent weeks. They have given me hope that we can get out of the hole we have been digging deeper and deeper for a few years now. We have two kids, one now adult and pretty much independent, and one living with us who has an extraordinarily…
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Secured and Unsecured Debt
I want to sense check and idea I've had, to see if it's a really bad one or not. I worked freelance to service unsecured debts and didn't put money away for tax, I spent it all on those debts instead. Now I've got a big HMRC bill I can't pay. I've got a full set of defaults that I'm paying token payments to, and everything…
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Council tax issue
This discussion was created from comments split from: Can Council seize your house over failure to pay Council tax?.
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Debt Statute Barred but.....
Hi, I have a debt with Link, the debt came off my credit file on Dec 2024, since then link have been sending me threatening letters, I replied with Statute Barred letter, they replied I made a payment back in Oct 2022. Now this payment i know is £1 and was for a CCA request, and was paid by a postal order, when i requested…
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Paypal Credit Default
Hi, I'm new to this forum and I don't know if this has been discussed before but I had a PayPal credit account that I defaulted on back in January, I think, but I haven't received anything since to say that my debt has been sold to anyone, admittedly I generally don't answer phone calls from numbers I don't know so I may…
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Moved: CDER GROUP Bailiff Action
This discussion has been moved.
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Can Council seize your house over failure to pay Council tax?
Hi all. In the worst case scenario, can the Council seize your home to settle your council tax debts/arrears? Even if it means them making you and your family homeless? Absolutely shocking if true.
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Conundrum
Hello folks, I was down to my last 2 debts, and was able to pay one with a 75% discount with a well-known dca. It was roughly £600 and due to be statute barred in 2027, but I had previously admitted to it. The same company have my final debt also, which is due to be statute barred next July ‘26. I have not admitted to this…
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DMP check list and sanity check
Hi everyone. I have spent many hours going through old posts, reading testimonies and doing my research and first of all just want to say how good the information in here is and how much I appreciate everyone’s input so thank you. To my question/s. From my understanding the steps are basically: statement of affairs (done)…
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Santander Bought back debt
I posted a while ago but have updates today so need advice please on the new stuff and questions! Back story Joint overdraft Husband in an IVA ( them paying his contribution) Me paying wescot (Cabot bought but wescot managed) 6 years later IVA paid off, I'm still paying the remaining balance. Had a letter from Cabot this…
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PRA GROUP - Offer
I was wondering if someone can help or advise what they would do in my situation. I had an old credit card debt going back to the late 90s that I took out and defaulted around 2007 on it. Ever since I have been paying what I can afford to pay and send in income/expenditure details to them very 6 months. They have been fine…
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CCA - reconstituted agreement provided
Hello Many thanks for all your help previously on this Forum about my debts, it’s been a great support mentally for what is a really frightening and stressful situation. As an update: All accounts have now defaulted and I have sent away for CCA for the accounts that have been sold. I have now had back from Cabot a…
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How long can conumser debts be legally chased?
Hi I was looking to get a bit of advice. I entered a DMP back in 2011. After initially repaying a
smaller amount for 5 years, I was able to work with most of my creditors (original
and those the debt was sold to) to arrange a final repayment to close the
accounts in 2018/19. One creditor (who is the 3rd owner of the…
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Fixed and final settlement
Such amazing advise on these pages thank you all for making the journey easier. I’m a way off but when get to fixed and final offer times what percentage is average to pay roughly? Also after what period of time will most consider accepting an offer? Thank you
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Still Waiting for Default letters. Should I ignore NCO?
I’ve missed payments the last 2-3 months for all credit cards and loans with the view to defaulting. I have been receiving letters about missed payment and £12 late fee being charged. I haven’t not answered any phone calls. I have not received any Default Notice from any of my creditors yet and I am still waiting for that.…
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Prioritising Creditors
I am currently paying 21 creditors £1 each per month, they are all debt collection agencies. Today Mortimer Clarke Solicitors have refused my offer of £1 per month saying: "Our client has considered this proposal very carefully and, in view of the outstanding balance and your outgoings, is not prepared to accept the offer…
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How to deal with DCA's with no income?
Hi all. After taking some advice from the kind people on here a number of months ago, I took the decision to allow my existing debts to default. This was the only option available to me at the time and was all I could do to keep my head above water to ensure the mortgage was paid along with all the other priority bills.…
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