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Time between default and ccj
hi everyone hope you’re well so I’m in the dreaded period of ignoring all my creditors and waiting for defaults. I had a few questions for anyone who might be able to put my mind at ease im in about 28k of cc debt loan and PayPal credit and an old Lowell account ive been reading this forum through and through and can’t…
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Updraft/MyCRS
Looking for advice. 3 years ago I took out a loan with Updraft for £8000. I ended up being unable to pay about 6 months later, and agreed to pay them £20 a month in order to get myself sorted out. My debt got sold to MyCRS anyway and I started a payment plan with them for £10 a month. This went on for about a year until a…
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which to pay off next?
Nearly finished paying off the next CC, getting there at long last. I will have a CC with 1800 on it at 0% until April 27 and a loan with 38 months, approx 8000 at 5.9%. I can't decide which to pay off next, admittedly it will only take me a couple of months to pay the CC off but I am tempting to leave it running and pay…
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Cabot/ orbit
Hi new here !!! Hoping someone can help I had a letter last week for a debt from 2016 that was with Cabot financial I haven’t made any contact with them since November 2019 , the letter which is in my Maiden name from orbit I didn’t even read I threw away but I also received a text saying someone would call. Also , for…
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old ccjs
hope someone can help! am dealing with husbands affairs as he has slight dementia, Lowell are saying he owes money but the debts are ccjs from years ago which court payments were set at £1 per month as he has no income as I am breadwinner, they say no record but I know they were taken to court, just need to find paperwork…
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unknown debt
Hi All hope you can help! keep getting texts from a debt company called Ophelos stating I owe money on a credit card that I have never heard of! is not on my credit file and search does not show any card in this name i.e. Sky card, any ideas, have emailed them asking for details etc and no answer, just texts every day
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6 months missed payments, no correspondence since June. Moocroft contacted- HSBC Debt
I started missing payments in January 2025, and between February and June I was getting loads of letters from creditors—mostly warning that my accounts would be defaulted unless I paid in full by certain dates. But since mid-June, things have gone strangely quiet. I’ve been checking my credit reports across different…
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11k debt
Hey everyone, I am hoping you would be able to help me please. I got 11k in debt however my loan of £8500 has now got a default since early July ( made last payment in June,). I was trying to get my debt sorted and reached out to Money Wellness Group, which I found out about as PayPal sent me an email on how to manage…
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Payplan DMP
Hi, So I contacted pay plan because my debts amass to around 33K and I am struggling to keep onto of the monthly repayments. We went through all my income and outgoings and they recommend me going on a DMP. We worked out I would pay £591 a month and it would last 4 years 7 months ish. Our fixed mortgage is going to end…
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Zopa loan help please
This discussion was created from comments split from: Zopa Loan default.
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Debt Help
Good morning, It's been recommended I post on this board, so if you've seen my post duplicated on the IVA one, that's why? Firstly I would ask that you don't judge, I am fully aware I have made some very silly mistakes when it comes to my money and I am now trying to get on top of them. I have just had a call with…
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Council Tax Debt Collection
First timer tho I’ve been on the newsletter for years. My mums facing some frustration. Many years ago her and her ex owned a property which due to financial issues, during a nasty breakup, started facing repossession from the bank. My mum moved out and started renting elsewhere. The ex started subletting the rooms a few…
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Self- Management DMP- Help
we've decided to self manage our own DMP Plan. my main question is, what do each bank (credit card or loan) ask from us once we say we can only afford X amount each month. Is it 3 months bank statements? wage slips? or is it just an email/phone call back and too? any tips on what to say/do. And the letting all the accounts…
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No defaults on credit file
Hi all I’m a few months into my journey of self managed DMP. I had a default letter from Hastings loan in June, nothing is still showing on credit file but debt has not been sold on. What do I do not make contact until it shows on file? Or contact new company and update regarding a default notice? thanks
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Lowell settled default - O2 error
O2 incorrectly charged me £14. I called customer service, thought it was sorted, a year or so later I heard from Lowell. It was only £14 so I paid up not realising they would still raise a default on my credit rating. I chased O2 again who confirmed the error was theirs in writing, and promised removal of the default…
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Payments after defaults
Just a question on what my next move is after defaults are registered about arranging payments. I’ve got my disposable income of £150 and worked out % payments for my five creditors: > I’ve set up a standing order for a Sainsbury’s loan account which is with Advantis for their % which has been accepted for £9.80 a month…
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Greenhalge Kerr- council tax collection
omg I have had the misfortune to try and sort some council tax debt out for my 85 year old father - for reasons unbeknown to us the debt has gone to Greenhalge Kerr and they have added 2k to it! Im not sure why Nottingham decided it passed this debt on - its the first we heard of it so could have been sorted out- but given…
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Credit/Loan/Debt Help!
Hi, I've been trawling through the website and Forum for some help but haven't quite found the right thing... plus some conflicting advice. I'm hoping this community can provide some help from their experience to navigate me through this minefield! I have a 'normal' credit card, a 'balance transfer' card, Paypal Credit…
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Cabot repayment
Hi all. I have been making small monthly payments to Cabot since they took over the debt in 2017. I have recently been hassled to update my budget planner. I was prepared to pay more, but they have told me that I need to now pay them £92 per month when my monthly disposable income is £169.50. I declared that I put £25 per…
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30 Years old, $53k In Total Debt, $100k Salary - Need Advice
Hello everyone, I'm pretty scared typing this but I need advice on how to tackle paying off my debt. After totaling everything up I learned that my total debt is $53,425, with me paying about $1,903 a month (credit card debt + personal loan). I realized I've made some serious mistakes in my finances but I believe I can…
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