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Need advice - 27k debt
Hi everyone, Posting here as I am at a bit of a loss. I have worked up approx. 30k of debt, through old CC's combined into a consolidation loan and another 0% CC which is at 0% for another 30 months. My monthly income after tax = 2630 Bills etc = ~£1400 Loan repayment - £518 (46 repayments left) Money on CC -…
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Living abroad but Court action threatened.
Hi, I’m living abroad and so upon the advice of the forums here and in particular, some very sound advice from @sourcrates, about 18 months ago I stopped paying into my DMP and sent letters to all of the creditors giving my address abroad I also gave the address of a UK mail forwarding service, explaining that mail gets…
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Michael Sheen
Channel 4 programme about Michael Sheen buying and writing off a load of debt. Very interesting programme, and what a lovely man he is 😊 well worth a watch.
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What small DFW things will you do this week? w/c 3rd March 2025
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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Debt planning
50 tgis year. £80k mortgage and £55k of debts...... How do I get this debt down??
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Debt letter from LCS
My husband has received a letter at our address today addressed to himself and his ex wife from LCS for an outstanding debt with South East Water stating they moved out of a property in July 2020. The amount cited is £264 and it is highly unlikely his ex wife will contribute anything to pay it off. He has limited knowledge…
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Default date query
Afternoon - just a quick one on any experience with default dates. Should the default date be reflected on my credit report as the date of the default notice? Or can there be a bit of a delay with reporting these to the credit bureaus? I was calculating my “default free rate” as 6 years from the date of the default notice…
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Capquest/AGG - on a fishing expedition...
Hi all, first time in this part of the forum, but had success seeing off a PPC last year. Anyhow... Opened a suspicious letter from an unknown address and was expecting it to be PPC PCN - but lo & behold it was a letter (actually two) which seemed to be from Capquest saying they had now assumed a debt from AGG. Neither of…
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I earn a good wage but im always broke?!
Thanks for clicking on my thread! I apologise in advance if absolutly none of this makes sense, im dyslexic, havent got a clue about money or how to write this sort of stuff out esspeically when i switch off when the word money is involved! So strap in, its gonna be a bumpy ride... Any advice or critisim is more than…
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DCA chasing an old ccj
Ok, so many moons ago, I lost my job, catalog debt took a back seat as I always prioritise the roof over my head, and this resulted in a ccj for around £1500. The creditor got a form k restriction on my house which I’m fine with because I know generally that they cannot force sale, etc as the house is jointly owned. The…
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Link financial CCA request
Hi Thanks to this forum I went self managed on my DMP that was previously with Stepchange for 8 years and sent off CCA requests 2 weeks ago. Today I've received a response from one with Link Financial, they have returned the postal order and the letter just says they can confirm they no longer require a fee for the section…
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Talktalk bill boguth by JC International Acquisition LLC
I have had a bill bought by JC IA.LLC, which went straight to your account, has been passed on to our legal team. However, I have the original TalkTalk Agreement number and account number. The situation is they've made an offer of £127.30 or two months at £65. the problem I have is when I changed over from TalkTalk, my £20…
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Paypal passed debt to Wescot - address wrong
So, apparently, Paypal have passed this debt on but I have had no communication from them about this, just this attachment in an email from Wescot. I should add it's not a paypal credit debt but a negative balance on my main paypal account. Interestingly, Wescot have put the wrong house number on the letter. Should I…
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Latest Prove It Letter?
Does anyone know where I can find the latest version of the prove it letter? I understand it has changed at some point but I cannot find the latest version. Thank you
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Yet another Statute Barred question
I've just received a letter from a company representing capquest/HBOS for a debt that can only be from sometime pre2007. I have never contacted them in this time. Am I safe sending a national debtline statute barred tempplate letter to tell them to not contact me again? I don't want to trigger a communication that might…
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MBNA CCA validity check
Hi guys, I requested the CCA for my MBNA account which Is currently with Cabot. I have received this today and was just wondering if someone could help me with the information I am looking to check please? It does have my name and address on it along with the date. In terms of credit limit it says this will be on your…
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Lowell - Vodaphone debt - Never had a Vodaphone account
My mum (Aged 65) has received a letter today from Lowell saying they have bought 'her' debt from Vodaphone. She has never had a Vodaphone account and these kind of things worry her. So i am getting involved. Thank you to those who have posted in the past and i did follow the link to the contact form which i have completed.…
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Persistent phone calls from PRA Group
Hi DFW's, New forum user here. I've had a long and tumultuous relationship with credit/debt.Long story short - PRA keep calling me to chase a £800ish debt from around 2012. I was paying them £1 per month (standing order had been set up) until early 2023 but called to tell them my circumstances had changed (accumulated £20k…
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Charging Order from 2009
Hello We are in the process of trying to sell our house. When I say trying, we actually had an offer that we accepted back in November 2024. The issue now is that our solicitor doing the conveyencing says the only thing holding everything up is 3 charging orders that I had back in 2009. They have managed to connect with…
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Most recent: Hopefully debt free before Mortgage renewal in June 2026 by in_need_of_direction
30 July at 11:13PM
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