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Affordability complaint with FOS - bank statements
I have 2 Newday Credit cards that I have taken to the FOS. I have been allocated my investigator and she is asking for statements for every time I was issued a credit increase. So basically 2 and 1/2 years of statements. What will they be looking at when they get them? I was always in my overdraft and the statements shows…
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Lantern Debt Purchaser/Collector
My Bamboo loans defaulted and sold to Lantern and they have emailed to ask me to call today or within 5 days to sort payment plan. Do I now call them and tell them what I can pay? Any ideas what they will also ask? I’ve never heard of them. I don’t have any bank details off them telling where to pay just this email saying…
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PRA partial settlement
Myself and ex husband are in a personally managed dmp which is over 6 years old so defaults are no longer showing on our credit files. We both have debts with Barclaycard that were taken over by PRA group. His debt is £6,800 and mine is £14,800. We have just got divorced and are able to settle these debts with the sale of…
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Unaffordable lending
Hi, I had success with an unaffordable lending complaint against Zopa a couple of months ago. at the same time, I had escalated a complaint against Ratesetter for a £15k loan and Virgin credit cards (x3). The Ratesetter was rejected by Ombudsman (after appeal against Investigator decision). 2 of the 3 Virgin Ccs are…
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CCJ not statute barred?
Hi all I took over my brothers finances many years ago & have LPOA. He was in a lot of debt which I slowly managed to repay over several years, this was around 12 years ago. It now looks like one of the debts slipped through the net. He has had a letter from a debt collectors requesting payment of a bank debt. I sent them…
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Debt from 19 years ago
So I had resolvecall come to my door said I had a balance of £318 (I’ve got a dmp with stepchange )so I said am I not paying this with stepchange got me to phone up the company spoke to them this debt is from 19 years ago and today I got a different letter saying I owe £1241 with shop direct I’ve no idea if the company got…
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Bank account closed, but still overdrawn
I recently queried a default on my TransUnion credit file and found my current account with Coop Bank that I closed four years ago, in May 24, was £210 overdrawn. I moved home and hadn't updated the bank of my move as I thought the account being closed was the end of it. They claim to have sent letters to that address…
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Being chased by UKSearch Limited for a utility debt that is not ours - advice please
* My wife has received a letter at our current address from a company called UKSearch Limited claiming that she owes about £250 for an unpaid water company bill at someone else's address for "water supply arrears". * We have never lived there. It is not our debt. * It is a mystery why my wife is now being targeted for a…
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Best tactic to reduce debt and climb property ladder
Hi all, My partner and I have been on a continuous improvement of our debt situation for the past 5-6 years, but now we're in a bit of a quandary as we're looking to sell our home and move to a much higher valued property next year. We currently have debts of about 23k, about 15k mine over 2 loans and 7k is my partner's in…
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Demand from hessonite
Hi help required please I had a joint mortgage with nram in 2008, I divorced my husband in 2010. I did sign the mortgage agreement but my ex was violent and controlling, I was also not told by the finnancial advisor of all the debts that were in my ex's name and he falsified his income to get the mortgage, all paperwork…
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Council tax court summons was not even aware.
Long story short. I had a court summons for council tax early this month. I did not know about it because I no longer have anything to do with the property. The landlord had their solicitor email me a complaint and in that they scanned all letters received after I stopped dealing with the property. The letter was sent on…
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I'm struggling - please help
Hi everyone, First before I explain everything I've been trying to battle this debt for 2 years and just can't any more. Last couple of days this has been taking a big toll on me, to the pound I'm thinking of going the DRO route. Please don't judge me, I'm just looking for help now. I've been unemployed for last 2 years…
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Default End Date
Hi all, I got myself into a pretty poor financial position back in 2018/2019 where I buried my head in the sand and picked up a number of defaults and two CCJs. These are now coming to an end, and I just need some advice on what the next steps might look like as the debt still hasn't been fully repaid. The following…
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Lowell Constantly Harrassing
Approx. two years ago I started receiving texts and phone calls from Lowell regarding debt held in someone else's name for an unpaid bill for SSE whom I have never used. I just ignore them all. To get them to stop I have to register on their website with my name and that's something I don't want them to do! Does anyone…
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Response from prove it letter
Hi guys. I have been getting chased by ACI for a debt. They sent two people at different times on the same day to my mum’s house (my former address) while I was out the country on business. They produced a hand written note stating that I had to contact them. I self consolidated my debts a few years back and it’s possible…
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Thinking of DMP, some advice needed
Hi Everyone! I'm currently £33k in debt. Some credit cards, and 3 personal loans. Credit cards repeyments are £200 and 2 of the personal loans are manageble with monthly payments of £120 and £270. The problem is with my last loan which is £580 a month. After all of my bills and repayments I'm left with around £50-£100 a…
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Is this normal...
Hi there, I decided at the end of last year to stop paying all my loans/credit cards as the payments were crippling. Last payment to all was November 2025. Here's a summary: Provider Status Amount Admiral Defaulted £ 17,253.00 HSBC Defaulted with Wescot £ 4,512.67 Ratesetter Defaulted with Arc £ 12,029.00 Tesco Defaulted £…
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Next Catalogue Debt - Brecon Debt Recovery
Hi Last year, as part of my DMP my debt with Next defaulted. Since then, I have been receiving statements every now and then from Brecon Debt Recory. I searched them as I would like to offer a F&F payment but I can see they are part of Next. Does that mean my debt hasn't been sold? Is it likely they will entertain a…
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Trading Loss
Help, A friend has lost money trading and now owe a considerable sum of money. the company want the money back but they cannot afford to give the whole amount back - is it possible to come to an agreement of some sort? Help please
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Some advice please
Hi everyone, i have been hovering over the post button for some days how. I am in around 21k of personal debt. 3x credit cards & a Very account. 10k, 6k, 4.5k & £500 . I have considered a DMP with step change but then I have been reading threads on here for around a week which suggest the best form of action is to first…
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