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Very Small Energy Debt Unsure Of Next Steps
I posted this a while ago in the Energy thread (re-edited) but wanted some advice here if anybody can. I feel a bit guilty as the debt is very very small but money is very tight and a debt is still a debt.Brief backgroundMoved into HA flat (Scotland) late June 2023 - Rebel Energy were the deemed supplier and quickly gave…
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Advice on my debts please
This discussion was created from comments split from: Struggling with debt? Ask a stepchange debt adviser a question.
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Unable to pay back Debt
Hello, I am a 28 year old working professional with at least £25K through credit cards, car loan and other debts like PayPal credit, Very, Novuno etc sitting on my head. I have been making minimum payments for a year now and now unable to make those as well due to changes with my salary compensations. I am worried about…
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Overdraft charges
Hi, could someone please give m some advice, starting to panic a bit now 😞I've moved bank accounts whilst letting everything default I have an overdraft and loan with santander, do I just let the charges build up on the overdraft or do I need to let them know I want to default? Also do the creditors have to default your…
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PRA Group
Hi I have a barclaycard debt with PRA group which has been going snce 18/02/2020 with them prior to this i had an agreement with Barclaycard for about 9 months where i paid an agreed monthly payment with interest frozen-£56 per month i have been paying every month since then and i have been lucky enough to have been…
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Paying Moorcroft Debt Recovery
Hello all, I defaulted on some credit cards and a loan because the minimum payments became unaffordable. I’ve chosen to manage the situation myself and don’t wish to engage with StepChange or similar organisations. My aim is simply for each default to drop off my credit report after six years and not have any repayment…
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CCJ in wrong name
Hello, I’ve finally in a place to resolve my debt and wish to enter into a DRO. I’m currently in the process of complying all my debts. However, I took a catalogue (Very) out in my married name, but I never officially changed my name (my passport etc. are all in my birth name). I missed the court documents and Overdale…
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Looking for a little guidance to start my journey towards becoming debt-free.
Hello, I’ve been reading the advice on all the different threads about this, but there’s quite a bit to digest! So, I thought it might be best to ask a few questions about my own situation so I can create the best plan for me and mine. I currently have a little over £60k of unsecured debt caused (mostly) by some…
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Moorcroft partial settlement
Hi all, I have had many partial settlement offers from Moorcroft over the past year, haven’t been in a position to take one up before but I am now. Haven’t heard from them in a few months so made contact on live chat and they said partial settlements can only be discussed by telephone. Is this correct? Or rubbish? Thankyou
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Starting a self managed DMP
So after browsing the forum for months and finding myself in a terrible cycle of just about meeting minimum payments but then using credit again just to live, I have bit the bullet and decided to sort my life out 🤯. I get paid tomorrow so have cancelled a few direct debits and will not pay my usual unsecured debts. So am I…
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Email from AIC. Help please
I recently wrote to AIC with a CCA request on a old Natwest Loan. I have received an email from them requesting the following:a. Your full name. b. Your last 3 digits of your postcode. c. Your year of birth. d. You agree to communicate with Allied International Credit (UK) Ltd via email I am not 100% sure how they got my…
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AA Loan sold to Antelope Loan
I previously had a loan with AA and was making monthly
payments without missing any payments as well as additional payments in order
to save interest and pay off my loan quicker. When extra payments were made with the AA I was able to see
the interest that I have saved as well as see the new end date of the…
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Old Debt Assistance
New to here, but something about CCAs peaked my interest. Back in 2016/2017, I racked up a lot of old CC debt and as a result, ended up in a bad situation so they all defaulted. They have obviously dropped off my credit card file now and as such, I got a mortgage earlier this year with no issues. Since they defaulted, I…
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Received 2 Messages From 2 Different Companies - Neither Of Which I Know About
Hey all, So the other day I received a letter from a debt company saying that they were taking over my debt for an Abbey National Credit Card. So this sparked a little confusion, as far as I am aware I don't remember owning any such thing in YEARS, and even if I remembered the debt, Abbey National hasn't been a company in…
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Self managed DMP - do I start repaying now?
Hello all Following the extremely helpful advice on this board, my personal credit card debt was no longer manageable (repayments of over £1k a month which I couldn't afford) and I'd run out of balance transfer offers, and all my cards were at standard interest rates so I stopped all my direct debit payments for my credit…
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Lowell Letter (vague threat) - advice appreciated
Hello I’ve had the letter below from Lowell for one of my debts of c£12k. I have had the CCA back upon request (which looks complete, but I am double checking), and subsequently a few letters chasing. This is the first time they have mentioned a deadline to get in touch, which is actually less than a week from when I…
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In Debt - Reality Check in place!
So after a disastrous house and a wedding, I've managed to get myself into a bit of a debt hole and I realise now I need support (likely a DMP I guess) but I've put my fairly embarassing SOA below and any advice or help will be appreciated This is my personal debt and not linked to my wife - she covers lots of other bills…
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Please look at my SOA
This discussion was created from comments split from: DMP mutual support thread part 13 !!.
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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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Capquest Letter of debt
Hello all, To start off i have i have been debt free to my knowledge for over 5 years and my experian report and others show i have no debt in my name, this morning i received a letter from capquest saying they where now holding a debt that they have transferred form capquest limited to capquest... i have no knowledge of…
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