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Debt-free wannabe

Mutual support and help for those on their journey to becoming debt-free.

Claim form received - CCJ incoming Kearne Solicitors
hi wondering if anyone can help i have received a claim form from Civil National Business Centre, it all seems legit. the particulars are saying its from a CCA from 2012 and defaulted in 2014 the agreement was passed to a DC agency intrum UK, its for £3141 and now has court fee costs and representative costs of £285 on…
Advice with defaults
Hi, back in 2019 I was off work with an injury and defaulted on 3 credit cards. These will be off my history October 25 and January 26 and February 26. October 25- balance £3800 , pay £45 per month January 26-balance £7200, pay £76 per month. February 26- balance £8100, pay £82 per month. what happens when these fall off…
Email from CRS debt collection agency
All, About 6 weeks ago I started receiving emails from a company called CRS ( a debt collection agency) about an amount they were trying to recover from a company called Intrum UK Limited (another debt collection agency I understand). The number of emails I get is increasing. I have not responded to any of them or clinked…
Debt advice please
Embarrassed of my situation and expecting hate but I’m not done this on purpose and have good intentions to be better but life has happened… former bankruptcy in 2018 came off this year. However in the last 6 years I’ve fallen back into the trap of having credit and embarrassed to say my debt total again is around £14,000…
Mental health break - giving advise to a friend
Im currently helping a friend sort out their debts and need a but of an update/refresh. I have advised him to speak to a debt charity but he wont. He is struggling with his mental health and is due to enter grief councilsing in the new year. He is also concidering medication to help (it was suggested at a recent MH review…
Help
I am in about £16000 worth of debt (loans and overdrafts) I make a decent wage but I’m struggling to pay more than the minimum payments on everything. I have poor credit rating so don’t know what to do. I would like to be making just 1 payment a month but don’t think I’d get accepted for anything. My mortgage is also up…
£1 CCA Request
Hi there, I’ve recently sent a total of 6 CCA request letters each containing £1 postal orders. Lowell x 3, Cabot x 2 and Wescot x 1 I’ve just received the following email from Lowell’s regarding 1 account : - Just to confirm that on 27/12/2024 we received your payment of £1.00 on your Lloyds Banking Group PLC account with…
IVA advice
Hi there I hope I’m posting in the right place. I’d like to make 2025 the year where I really start to get on top of my debts. I’m considering an IVA. I currently work part time (22.5 hours a week). This is my main source of income. I also own a franchise. Would an IVA be suitable for me given I own a franchise? The bulk…
Text messages from Marstons?
I have had 2 text messages from Marston debt collectors. The last one had my name on it. The text asks me to click a link? Not sure what it is for as I have no debt. Is this a scam?
No win no fee. Litigation funding agreement advice
BPS solicitors closed down, I had a no win no fee, legal omissions and care finance claim in progress, I have received an e mail …. If you have a live, ongoing case, you will need to instruct a new solicitor. It is likely that you entered into a Litigation Funding Agreement with a third-party funder to cover the costs of…
Mortimer clark chasing me.
Good afternoon I wonder could anyone offer me some advice please. I have been contacted by mortimer Clark solicitors, regarding an old mbna card I got in 1997 ish. I haven't heard from mbna for many years, so I asked them for information on this debt. They state I've been paying £10 per month (I haven't) and it's a CCJ…
Potentially losing my job - advice needed!
Sorry in advance for the long post. I'm currently off work sick as I have a condition with my eye, I'm not able to drive. Part of my job is travelling around going to different sites hence the reason I'm off. I'm concerned that if my eye does not get better then I'm going to lose my job. I get 6 months full pay but then…
Huge personal guarantee on business loan but home owner…HELP
Please be kind, I’m not sure my mental health can take much more at the moment. My husband and I owned a company and borrowed £193000 last year (currently £172000 remaining). I am a personal guarantor on the loan and the company has just been dissolved due to mounting debts and low sales. Seeing that amount of money is…
DCA taking over default
Hi guys, just a quick query please. I have 6 defaults, all now show the DCA on my credit report, apart from one which is Tesco Bank. I currently pay Westcot and thought it had been sold to them. If the default still shows on my credit report as Tesco Bank, does this mean they may not have sold it to them and that Westcot…
What to do with my accounts
I’m looking for advice, I have 3 defaults that are recent and I have set up a monthly payment with who they sold my accounts too, my question is I also have another credit card which I have been paying off which isn’t behind and up to date. My credit score is 429 is it worth continuing paying ones not in default to boost…
Defaults or DMP or both?
Hello, I see here that people are advocating defaulting on loan repayments before or instead of setting up a DMP, could anybody please explain this to me? We’re looking at applying for a DMP and have not defaulted on anything thus far. Thanks for support and advice
Solicitor dealing with my debt has gone into liquidation, can I get money back I've already paid?
I only found out by accident when solicitor stopped responding and I checked with the Solicitor Regulation Authority they they had closed, since found out they have gone into liquidation. I had a contract with them and agreed to pay monthly for fees where they would act on my behalf to try and get some reduction or write…
Lcs and EVRI scam
I was recently scammed. First LCS started sending me emails about a property and company i had no connection to, saying that I owed money to them. I disputed these emails saying I have no connection to any of the above. Then I got a text message from a mobile number claiming to be "EVRI" saying that I wasn't in and to…
PRA Group chasing old debt
Hi there, I received a letter last year from PRA Group chasing two old debts that defaulted around 2014. I sent them the Statute Barred 'Prove it' email, to which they responded that after investigation, they could see a payment was made on 4th October 2016 for some amount. I've asked them to provide proof of this, but…
Full and final settlement options.
Hi I am currently paying into a debt management plan through step change. I started off with around 32K of debt, I pay around £1000 per month, so I have around 16k left to pay. My question is about full and final settlement I have raised the question on debt camel, but i’ve not yet had a response and I was just wondering…

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Debt-free wannabe

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