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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…
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DRO partner has a mortgage
Hi I’m looking for advice/ reassurance regarding a debt problem. I am currently 1 year into an IVA however after having an accident my circumstances/ situation has changed and I am struggling to make repayments. I now believe I meet the criteria for a DRO however after speaking to moneywellness today on the phone they have…
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Moved: IVA and mortgage
This discussion has been moved.
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CCJ on my credit file ,is it right ?
Hi , long story short i got into money issues during covid after losing my job but been working through it getting back on top ,however i got a letter from a solicitor chasing me for a credit card debt of £ 8000 ish and taking me to court over it , 1st they had been in contact with me regarding it , they included a payment…
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Affordability complaints?
In 2017/2018 I was living in my 1500 hsbc overdraft, maxed out on my hsbc credit card and got a loan with hsbc to pay those off and cover day to day life.I then consolidated and got a bigger hsbc loan - 18k which then meant I had more payments to make each month, I got a 4500 mbna cc followed by an aqua card where the debt…
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DMP Newbie - Help please!
Hi all, just looking for some advice please on a DMP. I’ve read through many of the threads on here which have been great and have helped me understand that I can get myself out of this bad situation. I just want to clarify a few things. * I understand it’s recommended to default before entering a DMP, to build up an…
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Full and final settlement - option removed for fully satisfied.
Hi, I am in discussion with moorcroft group to attempt to settle an account with them. I VT’d my car last year, but was hit with a bill afterwards. The balance is £5700, I was sent an offer by the original creditor in January for £4K and the account to be marked as satisfied, however I was not in the position to make the…
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The mental side
As the title says, how do people deal/cope with the mental side. I’m at the beginning of the journey 1st/2nd missed payments. I take responsibility for the debt although life’s dealt some tough hands which is a lot of it. But how to people deal with the idea of ruining your credit for 6 years? I’m saving the emergency fund…
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CCJ advice required please.
Hi, A messy situation, but I'll keep this as concise as possible, as I respect and value the help you guys provide. I would appreciate your help please. Having gone through financial failure/divorce, loss of child, loss of job, severe depression, had to walk away from the UK in 2018 and moved abroad (South America)…
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Mortimer Clarke chasing after many years
Many years ago ( about 2007 ) I got into trouble with a Marbles credit card and ended up with a Ccj ( I think this was between me and HFC - who owned Marbles ) for about 8k ( no judgement please I was in a terrible place ). As I was in a terrible place ( drowning in debt with an alcoholic husband who drank most of our…
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DMP Help
Hi I am thinking of starting a DMP and am in the process of doing my SOA but have a question first. My unsecured debts are currently around 9K and I have a car on PCP finance in my name, however my wife pays the monthly payments. Would having a DMP affect the PCP agreement as the payments are up to date and my wife is…
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Barclays and Nationwide
I’m sure they are not…..but reading something on line I just wanted to be 100% sure….. are Barclays and Nationwide linked? My Barclaycard is going to default and I want to use nationwide as my main account going forwards. Thank you
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Need a Hand Hold…
Evening. You may remember I posted a thread a few months back whereby I finally faced up to almost £100k of consumer debt, accumulated after years of IVF treatments. I’m now in a position where I’m waiting for defaults. Two have been issued and sold on and I’m paying £50 a month into each. Waiting on the rest. After months…
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DRO partners mortgage
Hi I’m looking for advice/ reassurance regarding a debt problem. I am currently 1 year into an IVA however after having an accident my circumstances/ situation has changed and I am struggling to make repayments. I now believe I meet the criteria for a DRO however after speaking to moneywellness today on the phone they have…
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Missed 1 DMP payment with stepchange
Hi all , due to a dental emergency, I had to miss this month's dmp payment, I've had the plan since September last year this is my first missed payment . I spoke to stepchange this morning and they were OK with it and I assured them I will make next month's payment without any problems . But I'm worried to death my…
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Iva termination
Hi, this is my first time posting so I apologise if it is in the wrong thread. I was wondering if anyone had any advice to a situation I have stupidly found myself in. Basically my debt was getting out of hand and out of desperation I signed up for an Iva last year. However due to circumstances this is no longer affordable…
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Would DMP be the best option?
I have been struggling with Debt for the past couple of years as and it has spiralled out of control and I am looking for advice on the best course of action to address this. My income after tax is £1974 and my household expenses (not including debt payments) with my share of the rent (living with partner) is £1771. I have…
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More troubles with Cabot
This discussion was created from comments split from: Cabot - wanting more!.
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Unenforceable? N*xt
Hi all, I've been in a dmp since 2022 and sent cca requests out in March, I just received this back from Ne*t. It doesn't say unenforceable and I'm not sure what 'Executed' CCA means? The account defaulted a while back. The amount is for just over £200. Can I stop paying this one, letter attached? Thanks so much for any…
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Step change to pay plan
Hi all. Is it possible to move from step change to pay plan. I ask this as I have stupidly required some more debts and feel like I would just like to start a fresh. Thanks
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