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I am terrified
Hello… after receiving a wake up call when HSBC refused a consolidation loan I found this forum. Spoke with a company that helps with dmp and was suggested dmp. Won’t use this company as they are paid and will contact Step Change. But first a bit of a story. i am in my 30s. Divorced 3 years ago. After the divorce my only…
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Lowell saying not statute barred
I have had loads of letters, emails, texts and phone calls from Lowell since November 2024, regarding an old credit card debt The last payment on the account was Sept 2018 . I replied saying the debt is statute barred, however, they are saying it is NOT statute barred as the original lender issued a default notice in Sept…
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British Debt Collection Company threatens with CCJ due to unpaid membership fees on German website
Good morning, I hope everyone is well. I do have a bit of a tricky situation and don't really know where I stand legally. I am German, but do live in the UK for several years. A few years ago I have signed up on a German website for dog breeders, which offers a Premium membership, which I had for the last 3 years. A few…
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Huge interest rates, please help!
Hello - I’m trying to help my spouse who has got in a complete mess with finances. I’ve included some details below. I’m in a relatively good financial position and so can continue to cover the bulk of our household costs (we have separate finances) but given the amount of debt and the huge interest rates I’m wondering if…
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car finance arrears - help!!
Hey, dont know if anyone can help me please. I have an Audi q2 which I have fallen behind on payments with vwfs - ive missed a total of 10 payments from since march last year due to changes in circumstances. Ive had the car since feb 2022 and contract ends march 2026 Im currently working with step change to get my debts…
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Paid overdue service charge - where do I stand with debt agency?
Hi all, I'm really rubbish at these sorts of things so would be really grateful for any advice. I have a small flat managed by a company who changed their approach to billing around six months ago. Previously, all service charges etc were taken from the rent paid by tenants, but there was a shift so that landlords had to…
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Opos Debt Collector HELP
Hi today my husband has recieved a letter from Opos stating they are trying to contact him on behalf of a company called Capquest for a Royal Bank of Scotland ( loan) its for £10,592.72. weve never heard from them people before or capquest, my husband was in debt when i met him 20 years ago but had a flat and gave that…
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M&S loan sold to Wescot
Due to burying my head in the sand about loan repayments after losing my job I have missed 3 loan payments. I have received a letter from M&S about this debt being transferred to Wescot, and now I have had their first letter. They are wanting full repayment of £1,800, which I cannot afford straight away. How do I approach…
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High salary, high equity, high historic debt
Would you be able to help me provide some advice for a friend. They have found themselves in a tricky situation which I think should be relatively easy to get out of but unsure of what the best options for them are. Situation is 1) high salary of £70k a year 2) Three Mortgages on a house that totals £80k but the house is…
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Moriarty Law/Lantern 30 day notice
Hi I have been waiting for my debts to default so that I can look at putting a self managed DMP together. One of my debts, which was 118Money was sold to Lantern, who have now instructed Moriarty Law to start proceedings. I have received what looks to be a letter before claim with a reply form I have to return in 30 days.…
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Credit card default and mortgage
Asking here for a friend, but I think she's just burying her head in the sand and refusing to consider how to get out of her massive CC debt. She says if she defaults the CC companies will contact her mortgage provider and as she's on a slightly dodgy deal (she moved into her BTL flat a few years ago but still has a BTL…
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Advice on sending a prove it letter?
Hi guys I’m about to send a prove it letter to Resolvecall as I’ve received a letter stating an agent will visit my home if I don’t pay an old unsecured debt. I havent had any contact with Intrum who have passed on the debt or the original creditor. The debt goes back to 2017/18 so I don’t know for sure whether the statute…
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LCS debt company
Just wanted peoples advise please; I’ve received several letters from LCS debt about an old mobile contract with ID mobile from April 2023 £249.80 (it is my debt I believe) So few things; I should never have been allowed a mobile on contract as my credit is literally 0. I have Bipolar Disorder and when manic get myself in…
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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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