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Process after CCA confirmed?
I recently sent a CCA request to Link, they’ve now provided this and the debt has been proven to be enforceable. At this stage, is it as simple as me just making payments via their online portal? There’s nothing else I need to do, and they have no power to dictate how much I am required to pay each month? I’m also assuming…
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Martin Sheen
Is anyone aware if there are charities involved in writing off debt in the UK, in the way Martin Sheen helped the people of Port Talbot over the last 2 years? Looking for specific charity / charities to make contact with.
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IVA advice
Hi there, I took out an IVA, and now I’m in the really lucky position I can pay it off. I have contacted my IVA practitioner several times asking for a final settlement figure and what I will pay in fees etc. they keep just sending me a request to write a letter stating I want to settle in full and a screenshot of my bank…
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Paying off IVA
My father recently passed away and I will inherit around 100k from the sale of his house. I am planning to pay off my IVA, this should be by October time. When would I be able to apply for shared ownership as my IVA is a 5 year plan. I'm 2 years in.
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Trying to avoid DMP, thoughts please.
This discussion was created from comments split from: 0% credit card deals ending - sick with worry.
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Wanting to share my goals with you all!
Hello! Sorry if this in the wrong thread?? im starting my debt free journey 😃 we are 30, engaged and no kids. current debt myself: CC £10k PCP £12.5k - I sold my car today and made a profit after paying the finance off!! overdraft £800 my partner: overdraft £600 after recently paying off a loan PCP- £15k - he is overpaying…
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Resolvecall
Hi All I am worried sick they are going to call at my home 10 years ago I hit on hard times with credit cards and agreed with the bank to pay the dept off at £5 a month From then till now I have done that The bank sold my dept on to a DCA and I received a letter from the bank telling me they had done this and I didn't need…
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Partial settlement with debtors
Hello all, I am considering offering a partial settlement to my 3 creditors at some point this year, however, does anyone know the following: - Is it worth tempting to offer a 5% or 10% settlement? - Will the creditors ask for any documents as evidence? - If so, what proof can they ask for? Like for example, can they ask…
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Monzo arrangement
Monzo came to me a few days ago before I had really read advice on here as I was struggling in my overdraft for a while. I have a flex credit card with them as well, which ive never missed. Now they approached me and said would I like to make an arrangement in which they will freeze interest and repayments for 6 months.…
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CCA Request
Just want some views on this. Is it silly asking for CCA agreements for 2024 year credit agreements... hoping they cannot get one for legal action enforcement. Cant really find much information on new agreements but found a fair bit for older agreements
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DMP or not…..ND person ….
My friend was posting for me but she said it was suggested I should do myself. I am autistic and adhd (late diagnosed) and let my finances spiral out fo control after a well paid job and now I’ve been gradually trying to build my income back up. I am thinking of going on to a DMP but finding it very overwhelming as I…
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0% credit card deals ending - sick with worry
Hi everyone first time posting and I have had a good look through the other really helpful threads. I have £15 on two credit cards both on 0% deals which are coming to an end on 1 April and end of July. My credit rating is just ‘OK’ and I do not think I am going to be eligible for any other deals. My husband and I…
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Paid Opos demand on behalf of my wife
I have to confess here, I have been a bit naughty and opened a letter which was addressed to my wife. We have had incidents in the past where we have got into trouble due to bad debts. She is a lot more flippant about debt than I am, but as we now have a mortgage together, this always stresses me out. The letter was from…
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Doorstep visit from resolvecall
Am looking for bit of adviceI had doorstep call from resolvecall yesterday and letter 2 weeks ago asking to call office regarding a debt of amount £2814.40 on behalf of arrow global I don’t recall this debt it may be a very old debt at previous address maybe over 10+ years please can anyone help me with this matter
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Preparing for a DMP – A Few Questions & Seeking Advice
Hi Everyone, I’m in the process of setting up a DMP and currently working through my Income and Expenditure on the StepChange website. I struggle with anxiety, and I’m feeling quite panicked about making a mistake while completing the online form. However, reading through this forum and seeing your support to others has…
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No where turn credit card debt
I am feeling very stuck and not sure where to go at the moment. I have racked up £10,000 -£12000 in credit card and over draft debt. I was using the cards to help pay for things whilst I have been working part time since have second child. We cannot afford the full time childcare. Yes we will get 30 free hours in September…
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Paying off our mortgage early
Myself and my OH are both 44 and have 90k on our mortgage left and just under 170k in savings between us. The fixed term mortgage comes to an end soon which is on a 1.6% costings us 389 per month. With the interest rates increasing the new monthly mortgage repayments will be 500 per month. We are thinking about using our…
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Consolidating loan for credit card debt
This post is about getting a loan when you have a bad credit record. The situation is debts of circa 5K GBP. Mostly a credit card but also Klarna and Council tax. This has been due to the impact of having to supplement a monthly income adversely impacted by absences caused by poor mental health. Credit rating is "very…
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What small DFW things will you do this week w/c 10 March?
When we start on the DFW trail we do loads of "big stuff" that makes quite a difference to our situation. These include having our lightbulb moment, cutting up the credit cards, and canceling Sky and the gym. But once we have done the bigger stuff, we often feel that we are not making the same amount of progress, when in…
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Payday loan - no default issued
Hi, I recently wrote to MyJar about a loan which has never been defaulted. They claim that they cannot issue a default as no notice of default was issued at the time. I was wondering if anyone could confirm if this is correct? (In which case ill move on). Bit of background - after a huge mess and failed DMPs in the past, I…
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