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Statute barred enquiry letter
Hi. I received a hand-delivered letter from a debt collector chasing an old debt which may or may not be over the 6-year statute-barring threshold. I think it should be over six years but cannot be certain, and have not communicated with them. However, if I were to send them a Without Prejudice letter asking for proof of…
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Lovetts letter of claim
Hi, could someone please advise me on this one? My partner received this letter from Lovetts solicitors as apparently HR at his previous company he worked for made a mistake in the final calculation of his pay before he left and now he owes them money. He's left 6 months ago and the first email from the HR was received 2…
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Debt and moving abroad
Hello, I’m sorry if this is the wrong board but, I couldn’t see a better match. I have a pretty unique and unfortunate circumstance and I’m just looking for advice to navigate what to do. My debt is: Loan 1: £9500~Loan 2: £3400~Loan 3: £6800~ CC1: £5600~ CC2: £6000~ Mobile: £260 PM (1 month left) Savings: £27,000 Up to…
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I need help with credit card debt while living abroad
After spending the last 6 years of my life in England, I relocated back home to Romania around 6 months ago. I have a few credit card debts totaling £11.5k, largest one of which is £6k and the other under £3k and 2.5k respectively, which i continued paying even after i left the country, but I have recently stopped my DD,…
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Living abroad with overwhelming UK debt
I'm not sure my best course of action? We moved to Bulgaria two and a half years ago when my job finished in the UK. We'd previously bought a cheap house (£7000) in Bulgaria with the intention of retiring there. I'm now 60, so a few years off yet. We didn't have a house in the UK as I was a farmer manager and we lived in a…
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Merged: Provit Letter with minimal details
This discussion has been merged.
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Credit Style - How to Handle
Hello all - I’ve had a series of texts from Credit Style asking me to call them to discuss an unknown debt. I can’t think what this debt could possibly be. Googling suggests this is likely to relate to either energy or a parking charge. I still have access to all my energy accounts going back seven years and can see no…
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What’s the best strategy to pay off high‑interest credit card debt?
Hi All, I'm xxxxxxxxxx, based in Geneva, Switzerland (Swiss) . Can anyone explain what is the best strategy is to pay off high-interest credit card debt? Thanks in Advance! xxxxxxxxxx Geneva , Switzerland edited to remove name.
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Be aware of mistakes when on a DMP and don't give up resolving a mistake
A long thread - sorry,but if I can help one person in this situation, I will be grateful. We finished our DMP in just under 4 years. It was hard to clear £10K of debt, but we did it. We used Step Change and they were fabulous in supporting us, but they did make one mistake that made it incredibly difficult to resolve - it…
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Link Financial offering £100 compensation after complaint - would there be any issue claiming this?
I complained to Link Financial, citing FSA guidelines, after they were sending me letters and emails that didn't make clear that a debt was unenforceable. They upheld my complaint and also said they would offer £100 in compensation if I contacted them to arrange this. I am wondering, if, were I to contact them (by email)…
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Payplan and clearing debts
Hi, I am currently in a DMP (balance around 30k) with Payplan, I have an investment maturing next February which I will use to clear the debts which Payplan are aware off, I am receiving default notices in the post. I am best to continue paying the full payment to next February and get Payplan to see if they can negotate…
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Intrum reporting to credit file
I have an old Lendable account which is held by Intrum it receives payments every month from my DMP. In 2023 I won an appeal for unaffordable lending with the FCA and as part of the finding it was instructed that all adverse markers should be removed from my credit file. This was done but in the last couple of days I have…
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Can I remortgage to pay debt
Evening all. Joint mortgage with husband, Halifax. I owe 39k over credit cards and unsecured loans. The amount is not going down at all! Over the past few years it creaps up. I had to change my job and reduce hours due to personal circumstances. Excellent credit score, no missed payments but paying minimum and constantly…
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Aged 50, in debt and unsure
I need to drastically take control of my finances. My partner and I have completely separate financial arrangements and commitments. I am not on the mortgage nor do I pay for any household bills apart from food shopping. I pay my own mobile phone bill, car tax, car insurance, fuel. I have always just earnt enough money to…
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Joint Council tax debt after separation.
Hoping someone is able to give me some advice. My daughter has just come out of a relationship which only now we are getting news wasn’t great. They both rented a property for two years. While they both worked his credit wasn’t good so most of the bills were in her name. The only ones that were not were the water, rent and…
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Link Financial - Reducing Payments
I have a change in circumstances coming up so am in the process of trying to reduce all my payments on the debts. 5 are with Link and 1 with Intrum. I called up Link to ask them to reduce the payments to and they basically said they wouldn't do it unless I filled in an expenditure form. I said I saw no need for that as I…
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Why is it so hard!
I just want to vent/rant to people who will honestly get it! Im working hard at paying back my debts, (I've paid back around £5000 in the past 12 months, £20000 still to go) sticking to a budget, doing everything thats on my plan but at this time of year with a school trip every bloody week, the summer social invites and…
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Messed up to the sound of 23k worth of debt
Where to begin. I never thought I'd be in this position so I'm sorry to add another thread, but I need to own up and unf**k my finances. There's no point going through the details of how it all started and every knee-jerk reaction since, because the numbers don't lie and it's now killing me to the point it's affecting my…
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Arrangement to pay
Hello everyone. I have been dealing with debt and with the help of reading through the forum I have managed to set up a self managed dmp with all but one of my creditors. I got all my debts to default first before setting up payment plans but today i noticed one of my debts on my credit file has changed to A - arrangement…
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