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CCA request - Postal Order question
Hi! I’m getting ready to send out my CCA requests. I got these £1 postal orders which don’t have a recipient and are uncrossed. Do I need to add anything else before adding to my envelope?
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Business loan PG being enforced - Solaris debt collectors demanding payment or court - help!
My business used Capital on Tap for a loan. Unfortunately, the business went downhill as a result of the COVID Lockdowns, and I’ve received a letter from Solaris Law, representing Capital on Tap, informing me that they intend to pursue me personally due to a personal guarantee I signed. (I don’t recall any mention of a…
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Barclaycard sold to PRA
So with the help of this lovely forum I've been making real inroads into my debt so far - Zopa card irresponsible claim upheld and removed from credit report, Updraft 2 loans irresponsible lending upheld and removed from my credit report, still need to pay them back, but interest removed and not reported so a small win for…
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Not my Debt: Bailiff Action
Hi all My son (aged 20) has a car parking fine from a Council. He hasn't paid the fine and the Council are threatening bailiffs. My son is now at Uni. The debt is registered at my home address where I live, and is my sons permanent address when not at Uni. I am not going to pay his fine for him and he needs to sort this…
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DRO - Paying off part of my debt to meet criteria
Hi all, I meet the criteria for a DRO except my debts total £70,000. The maximum limit for a DRO being £50,000. I could borrow £20,000 from family to bring me under the limit. Is this frowned upon? I have read that I could be refused a DRO if I did this. Does anyone have any experience of this? Many thanks.
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Help with self managed dmp 80k CC and loans
Hello ive been browsing topics on this site for a while and reading up on all the advice . My story is a follows , two years ago I lost my eldest daughter to cancer at 6 years old . Due these circumstances having to take time of work and after my wife was unable to return to work as she worked in a primary school and found…
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CCJ Judgement from unpaid loan
Hi all. I'm not sure if I posted this in the correct category. Adding my questions at the top: - Is it normal for stays to be removed and judgement entered on the same day? - Is it normal for a judgement to be entered a second time after submitting an N244? - On a personal note, I really feel that the solicitor begun…
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What’s the best debt solution?
Hello, I’ve tried to do an SOA and confused myself thoroughly so I thought I’d just begin. Up until very recently I was poised to go into an IVA. My financial circumstances have changed drastically and I now have more income than I thought. My partner’s finances are separate to mine, and have to stay that way because of…
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Sleep managing hsbc hesitant blip help
Hi all, My husband and ibad debts of 42k and in 2022 started a dmp for 18 creditors. We didn't read this forum and didn't know aobut waiting for them to default but we through sc in 2022 This year we requested ccas, SC kindly put the creditors 5 x link on hold while we waited for them back. Then we got them back bur…
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No Default on credit but a threat of CCJ
Hi. Hope someone can help me. I have been reading up on the forum regarding debt and paying off some monies that I can afford after being defaulted. 2 of 3 debts have become a default on my credit file. However, my NatWest debt hasn't defaulted. I have rather received a letter threatening me that they will do a CCJ if i…
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I'm a little confused with ACI
I am a little confused with a debt that I am currently paying off, it was oakbrook loans and the debt was passed on to ACI. This is where I am slightly confused they don't appear on my credit file, I had letters from them in the past which have been Mr instead of Miss so slightly confused with that also as my friend who…
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Bank details for moorcroft?
Hi does anyone have the bank details for moorcroft. Every other dca has their bank details clearly on their website. Trying to set up a standing order for a self managed dmp. thanks
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Does a guarantor transfer when a debt is sold?
My daughter recently completed her first year at Uni where she stayed at a halls, and I had to co sign her contract as guarantor. She met her boyfriend who lives and works locally soon into the course and when she finished year1 they decided to flat share together in year 2, and they went staright ahead and rented from…
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Exiting DMP before mortgage application
Hi. Firstly unaware if this should be here or the mortgage section so please feel free to move if it is more relevant there. I have been in an active DMP for over 6 years and now looking for my first mortgage. I wish I had done more research into the effect the DMP has outside of the defaults as I would have gone…
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Does VeryPay have a contact email?
Hi there, I'm currently in the process of paying off all my debts and one of the only ones that I need to contact is VeryPay. I have around £600 on a store card, half of which is "buy now pay later" which I intend on paying next week. All the contacts I can find for Very appear to be via mobile, which as an autistic person…
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Title: Starting a DMP but Debts Defaulting at Different Times – Worried About Legal Action (Joint De
Hi all, We’re looking for some guidance about starting a DMP and would really appreciate some advice from people who’ve been through it. Our joint unsecured debts total just over £130,000, and they’re all at different stages, so they’re going to default at different times. Our original plan was to wait for each one to…
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Link Financial - Father Deceased
Where do I stand with Link Financial if my father has just recently passed away and they are chasing a debt for £355.99. Do I call them and say he’s passed away or what?
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50% reduced payment offer - should I accept?
I ran up a lot of debt during the pandemic as I was self employed as a limited company director, worked in the performing arts and therefore lost all my clients as the first lockdowb started, and apart from a couple of ad hoc jobs was claiming UC (without housing element) for the next two and a half years. I managed to not…
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Fork in the road
I have a dilemma I'd like to get some knowledgeable thoughts on. It's a development from my previous thread. I have unsecured debt, circa £50K, and had to leave employment due to ill health. My monthly income is therefore around £600, as I am currently on ill health benefits. It's reasonably likely that I will be unable to…
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Quick Query pls re: defaulting/not paying and contact with creditors
First post :) last month I reached a decision that action was needed over unsecured debts that have just become too much to manage. I scanned over the threads and have followed all advice and have stopped paying, had no contact with creditors and am waiting for default. I am wobbling a bit on the no contact with creditors…
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