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Wescot refused Full and final settlement offer
So the story is Being paying a minimal amount to wescot for 6 years for a Santander overdraft Santander has recently sold the debt to Cabot but wescot is still managing this. I've written to wescot offering a full and final settlement. They have written back today saying there isn't a settlement available on this account…
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Creditor…
Hi all, last year I lent a ‘friend’ £800. They needed it for their rent as had been short paid apparently. This friend then didn’t pay back in the two weeks and further went on a road trip with their partner in the uk at Christmas. Still no payment and have been informed they have filed for bankruptcy. Being made redundant…
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Capquest Help
wondering if i can get some advice . I received a letter in Dec 24 for a debt that i can’t remember and in my maiden name that i’ve not used for 18 years however i sent Arrow and Capquest a recorded letter to ask them to prove the debt is mine. i later had a reply from capquest only telling me to contact OPOS . I sent a…
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Self Managed DMP and First House Purchase
Hello I have gone through many threads but have been unable to find an answer to my question. I am 30k in long term persistent debt with payments of 850 a month on a 29k income. It is only over three lenders. Basically I am being crippled by my debts without enough money for food or heating. So far I have not missed a…
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Being chased for a debt from 2007
I have just had a text from Lowell and it looks like they are trying to call me too about a bank loan I had with HSBC. I genuinely do not rmeemebr
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Wescott final settlement - letter or email
Hi Just about to offer a final settlement to wescott, Do I email them the offer or do I write an actual letter? Which is best Thanks
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Pay off CCJ or not?
This discussion was created from comments split from: DMP mutual support thread part 13 !!.
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Lowell - Offering settlement to mark as closed on credit file?
Hi - I had some wonderful advice here a couple of years back, and I'm hoping for some help figuring out best steps forward again. Back pre-pandemic, I had defaulted debts totalling about £9000 across 4 collection companies. 2 of those companies agreed to close and write off my remaining debts around 2022 after my advisor…
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Mortgage Shortfall - Landmark Mortgage (Previously Northern Rock) - c.£37,000.00
Hello All, My mother recently received a letter from Landmark Mortgages regarding a shortfall of c.£37,000.00 that occurred following the repossession of her home in 2015/2016. Within the letter they state they first wrote to her in March 2016(which she has no recollection of) to let her know they sold the property. She is…
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PayPal Negative Balance
Hi all, i am hoping for a little advice. I have a PayPal account, tied to a gmail.com account, that i have not used since around 2016 (checked through my emails and the last paypal receipt is dated 13/04/2016). Recently i switched my Broadband supplier using a switch and connect £150 offer via CityFibre. The deal was to…
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Starling refused account
Hi, I have opened a starling account with no issues. However my husband was declined. I was quite surprised as he has a good credit rating so am unsure why it declined. He has a Santander account with a £700 od (which is maxed out.) I am unsure whether to apply for another basic account with someone. Or whether to approach…
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What small DFW things will you do this week? WC 24 February
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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Fraudulent JD Williams Credit Agreement
I have had a credit agreement opened in my name with a previous address. I can only assume through identity theft. Two items were supposively purchased and now I am being chased by a debt company for the cost. Although the debt company cannot even identify which item were purchased but they can tell me how much they…
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A letter asking (in a very aggressive way) for me to pay a Credit Card that had long since defualted
I recently applied for and got a decent(ish) mobile phone. I had to have a smartphone for banking and for anyone who has worked at Amazon, you will know that awful app that decides when you are allowed overtime and when you're allowed off etc. No sooner than I chanced my arm and got a decent contract phone I started…
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Payplan £26k debt - F&F Payment
I’m currently in £26k worth of debt. I have been with Payplan since July 2024, making £703 monthly payments. It’s my husband and I’s goal to be debt free by the beginning of 2026. Since starting my DMP, my husband started a new job which pays him very well and has allowed him to be able to pay his debt (currently £9k)…
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Plan of action
Soliciting views on my plan of action. Background Due to redundancy in 2006 I entered into a DMP with Step change, this continued successfully for many years. In January 2018 I then entered into an IVA as circumstances had changed drastically. All accounts had defaulted long ago and have gone from CRA's. In February 2019…
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IVA, Inheritance and Solicitor Advice
Hoping to get some advice, feeling really stuck and defeated about the whole thing. This is a bit of a strange one. So unfortunately I lost my job in the pandemic due to being severely unwell, leaving me with a chronic illness and no longer able to work. I already had some debt before I lost my job, and when I was super…
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Help with form to request statutory demand to be set aside
Hello, I have downloaded the form 1AA to request to have SD to be set aside as husband is disputing amount of debt owed - I am usually pretty good at completing forms and have downloaded the advice form too, but am having doubts I have done it correctly - could any one provide some basic extra guidance or an example of one…
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Should I take a loan out for negative equity on car (PCP), to then get a cheaper car?
I bought a car on PCP back in January 2023. Car was £35,000, with monthly payments of £508. This was fine back then, I had a short commute and no kids. I now have a longer commute and a child, and looking to reduce my bills down a bit to make life a bit easier. My current fuel bill is about £210 a month, so around £730 a…
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Advice please
I currently owe lowell around £1500 as i defaulted with very back in 2017. I pay £1 per month. (Yes i know it’s bad). This is no longer showing on my credit file. Just pay the direct debit monthly. I also owe brecon debt recovery (next) around £1300, again i defaulted in 2017. I pay £5 per month. Again, this is no longer…
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Most recent: Busting this debt before 40 by Chocolatefund
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