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CCA Requests (Zopa/Cabot)
Hi, I'm currently in the process of working through my 9 creditors to request cca's. (nearly £50k debt) all which was defaulted 6 years ago. Most loans and credit cards taken out 8-10 years ago. So far out of the 9 only 2 have managed to produce a CCA which look pretty good to me. Cabot originally advised they were unable…
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Opos Limted Email - Help!!
Hi, I have been sent by email from the above company the below any advice on how to handle it???? My Credit file is clear and has been for the last 15 years I've been with my partner as we've had a mortgage & credit cards together for that long. Any help would be appreciated. Contact Required.We are attempting to contact…
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Defaulted on loan
Hi I'm new and looking for some advice. I currently not working at the moment so receiving benefits and pip. I had spoke to step change and set up a token repayment plan until June. they are saying a DMP would be the best way forward. However it will take 10 years. They worked out my budget sheet and said I can only put £8…
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Can I complain to someone Cabot threatening letter
Been on path of asking for CCAs over period of time . Success with some . However Cabot sent letter 6/8/25 stating couldn’t find documentation for Santander loan then on 11/8/25 offered 75% discount . But today receive another letter saying defaulted and they ‘may consider sending an agent to visit you at home ‘ ! I find…
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About to start self-managing a DMP - some questions
Hi all, I’m preparing to self-manage a debt management plan (DMP) to keep more control over my finances, rather than going down the formal DMP route, and I’d really appreciate some guidance from others who’ve done this or are knowledgeable. Background: I was made redundant in November 2024 and haven’t been able to return…
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Virgin Active Gym Membership Debt Recovery
Hi all, Looking for some advice or shared experiences. I joined Virgin Active earlier this year and paid for three months of membership via direct debit. I never actually used the gym during that time. After the third payment, I called to cancel my membership, and cancelled the direct debit manually, and now I’ve received…
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Update: Irresponsible Lending Complaint Against Amex – Refund of interests and charges
I raised a complaint against Amex for irresponsible lending, and the investigator has now issued their draft decision. They concluded it wouldn’t be fair for Amex to refund all interest and charges dating back to September 2017. Instead, they’ve recommended that Amex: • Refund all interest and charges from April 2019…
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Self Managed DMP Account Sold
Looking for help with the next steps Shop Direct - default notices been arriving since last payment in February. But no official default yet. Letter today to say the account has been SOLD to ACI Do I go ahead and start payments with them ?
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Please help £75k debt!
Hello everyone, I found this forum and have been reading different stories the last couple of weeks because find myself at breaking point, 35/M I have a history of gambling addiction which is the root cause and for the first time in my life ( it has been approx 2 months where i feel in control of it and honest with it to…
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Redress for data breach by Halifax for corresponding with the wrong debt management company
Hi Forumites, I made a formal complaint to Halifax about why they (unlike my other creditors) didn't default my credit card account in 2019 when I was 4 months in arrears and then entered into a DMP managed by PayPlan. Someone from the complaint team at Halifax called me this morning to discuss the complaint. She referred…
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Debt Recovery Firm Chasing, But No Prior Correspondence?
Good Afternoon, I've recently received a voicemail and two text messages from Trace Debt Recovery UK. The voicemail was received on the 5th September and was an automated voice stating 'this is a call from the Trace Group about some existing business you have with us. Please call us back on 01604 300540 or visit us at…
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Defaults Running Out
It appears that all the defaults I have will run out between Feb-May 2027, so in about 18 months. Does this make any difference when making F&F offers? Or is it not going to make any difference to creditors? All 5 of my remaining debts have been CCA'ed and they provided the paperwork so I'm currently paying small amounts…
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12 year old MBNA Debt
Hi. I was really careless with money and got into difficulty with an MBNA credit card. My limit was £3000 which in my opinion was paid three times over. Last interaction with MBNA was approximately 12 years ago when debt was sold to PRA Group who over the years failed to provide any paperwork. I received letter from PRA…
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Debt & Defaulting. The Process...
Hi all, Been a lurker here for sometime. Great forum with the most useful advice! My story is similar to many others... Over several years I have got in to debt, consolidated. Got in more debt consolidated. Rinse & repeat... Its now come to the point I can't cover repayments. I am hoping to follow the advice i've read on…
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Lendable Debt Payment
Hi All, I currently owe £3400ish to Lendable. I probably made quite a few mistakes with my approach with them. The original agreement was £110 but due to circumstances I wasn't able to maintain that past the first few months. I've been paying them £36.66 per month for the past 4 or so years with no interest as agreed by…
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Best response to Cabot Financial when they say they are unable to provide me with the CCA?
Hi, hope everyone is having a good Friday so far. I am 6 years into a DMP, (managed by PayPlan). My defaulted accounts from 2019 and early 2020 are gradually starting to drop off my credit files now, so things are finally starting to look positive again (and I have paid off almost £38k of debt). I will be in a position to…
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Letter regarding a home visit
I had a loan from over 10 years which is statute barred, Ive made no payment, no had any contact for well over 6 years. Its not on my credit file, no CCJs, I thought it was the end of it. Its been passed to a new debt collectors ACI, who after a few letters have now said they are going to send a company called Verify to…
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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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PO Boxes
Hi all, what are the disadvantages (if any) of having a PO Box registered as your address with regards to receiving letters from collection agencies?
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Soft seaches by Lendable, not instigated by me.
Good morning to you all, I had two accounts with Lendable. They were both defaulted
in March 2025. I have heard nothing since from Lendable, other than emails
each month asking me to reinstate my DD, which I believe are computer generated. Credit Karma has just notified me of some ‘soft searches’ on my
credit file. Upon…
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