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Checking In before starting my Diary
Hi, Found this Debt-free wannabe while searching internet for solutions to my rapidly spiralling situation. I wish I had found it before.... My first Credit Card payment got bounced by my bank this week for insufficient funds. :( I could have made the payment JUST but did not realise I did not have the funds in the Bills…
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Stepchange DMP, payments
I have applied for DMP with stepchange, I have given 3 different payslips as my pay can be different each month as sometimes I do get offered overtime, but this isnt to often, how will they average my pay? Will they look at my highest payslip and go by that or go by my lowest wage earned?
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IVA to DMP
Having struggled with my IVA for the past 3 years, I've just spent the past hour on the phone to StepChange and they've recommended a DMP. My IVA is about to fail and I've been looking for alternatives. The IVA took into account my wife's full salary even through she had her own IVA so this left me considerably out of…
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Making an offer of settlement
Hi Everyone! We have around 24k of debts on our DMP and it's not due to finish for some time. The stress has been unbearable and whilst I am 'coping', there doesn't seem to be an end. We private rent, so aren't able to sell property in order to pay the amount owed. We have been on our DMP for over two years and haven't…
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Thinking of entering a DMP in late 30s. I'm genuinely scared.
Hi everyone. I hope you’re all well Please accept my apologies for the long message but I really could do with some advice. I am falling apart. I can't sleep well. I just don't know what to do anymore. I'm in my late 30s and have completely !!!!!! my life over. Left a toxic job in April, found out they were scamming…
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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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Most recent: Payment a Day - Chapter 2026 by SuperSavingD
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