-
Soft seaches by Lendable, not instigated by me.
Good morning to you all, I had two accounts with Lendable. They were both defaulted
in March 2025. I have heard nothing since from Lendable, other than emails
each month asking me to reinstate my DD, which I believe are computer generated. Credit Karma has just notified me of some ‘soft searches’ on my
credit file. Upon…
-
Link threat of legal action
Hi, I would really appreciate some advice. I was in a DMP from 2012 to 2020, I wrote to all creditors in 2020 asking for the CCA, none of them could produce. Some accepted F&F, some didn't. Of those that didn't I've either heard no more, or had the odd text/email/letter letting me know the debt is still outstanding. Link…
-
Best response to Cabot Financial when they say they are unable to provide me with the CCA?
Hi, hope everyone is having a good Friday so far. I am 6 years into a DMP, (managed by PayPlan). My defaulted accounts from 2019 and early 2020 are gradually starting to drop off my credit files now, so things are finally starting to look positive again (and I have paid off almost £38k of debt). I will be in a position to…
-
Letter regarding a home visit
I had a loan from over 10 years which is statute barred, Ive made no payment, no had any contact for well over 6 years. Its not on my credit file, no CCJs, I thought it was the end of it. Its been passed to a new debt collectors ACI, who after a few letters have now said they are going to send a company called Verify to…
-
Help with link financial. Just 6 wks left till statute barred
Hi, I desperately need some advice. I recently received a letter from link financial saying I have 14 days to respond before my account is passed to Kearns solicitors. I have 5 days left to respond. I’m not entirely sure about the debt they’re referring to - I don’t recognise the amount and the only card I ever had with…
-
PO Boxes
Hi all, what are the disadvantages (if any) of having a PO Box registered as your address with regards to receiving letters from collection agencies?
-
Ophelos Debt Collectors
My son had problems with HSBC about 10 years ago. However recently he's been receiving texts from Ophelos asking for him to get in touch re an outstanding debt. There is no debt it was all sorted a long time ago and my son hasn't banked with HSBC for a long time. The contact they give is https://connect.ophelos.com I know…
-
How do I get my ex husband to pay off these debts
I just got a divorce me and my ex spilt last year in July, the divorce came through all good! I am now finding I have all the debts in my name which I can afford to pay off but it will take at least 9 months for 1 debt with Eon and about 10 months with EE. Yes the debts are in my name so I understand that there is a…
-
Access To Credit ; DMP
I've researched several threads on this board and have a quick question, hopefully some of the helpful posters will know the answer. Multiple times I have read that anyone entering a DMP will immediately lose access to credit. The reason for building up an emergency fund. Presumably that is due to their destroyed credit…
-
BW legal , Threating to taking me to court
So, BW has sent me a notice to pay British gas bill of 1700 that I didn't use. I never was British gas customer before February this year. I lived in a room for a two three months that was above a shop. I used to pay 200 pound a month that included the rent and energy bills as well and I shared the room with another…
-
CCA Reconstituted Agreement enforceability
Hi long time lurker who has gained a huge amount of knowledge from the bored. I’ve searched the forum and can’t find a conclusive answer to this so felt I had to reach out. I’m in a self managed DMP. PRA Group bought my Barclay card debt. I sent them a CCA request flowing which they sent me a year’s worth of statements and…
-
Next Steps After Defaulting
Hi, Ive defaulted on my ZopaLoan and it's now at the hands of PRA Group. I'm also waiting for my credit cards to default. What do I tell the PRA Group in the mean time. Thanks.
-
Debt collection letter from Capquest/Opos/Arrow Global
I have seen a few posts related to these companies, my husband received a letter from Capquest/Opos/Arrow Global chasing payment of an overdraft account on a Lloyds TSB account, he doesn't recall having an overdraft account but did have an account with them over 25 years ago. The total supposed debt is £101.81 with an…
-
Feeling Bullied & Harassed by my Mortgage Lender
post deleted
-
Waiting for defaults
Hi, after advice here in May we stopped paying all credit cards from June onwards. We have been getting lots of letters, phonecalls and messages as expected but haven't engaged in any. I've had a couple of messages saying that the accounts will default and we will be asked to pay the total sum immediately if we don't…
-
Lowell - help me write a letter!
Lowell started harassing me for an old British Gas debt in 2022. I'd left the address in 2017 and I didn't recognise the debt and couldn't find any payments to Lowell in my bank statements. In 2024 I wrote a prove it letter. They replied I'd last paid them in 2022; further correspondence showed I'd been paying them as…
-
random email anyone have a clue about this?
this email came through i think its fake as i have no known debts in arrees anyone else had this? To:YouFri 08/11/2024 13:05You replied on Fri 08/11/2024 16:55FINAL NOTICE BEFORE LEGAL ACTION Dear, me We have made various attempts to contact you and given you many opportunities to respond us regarding your debt owed.…
-
Getting a loan with a DPP
Hi there I'm currently in a debt payment plan and want to get it paid off asap to sort out my credit score to allow me to release some equity in my house (it's quite complicated, so a loan is the only option)... Has anyone successfully applied for a loan while in a DPP and with whom? I don't want to affect my credit score…
-
Credit freeze
Can anyone advise if it is possible in the UK to be able to freeze any application for credit to include pay day loans. I know it is possible in the US but I am having difficulty finding the same here. Surely it must be possible. Any advice would be amazing. Thank you
-
Help - CDER GROUP Warrant but reason unknown
Hi, received a CDER group warrant and money is stated as £1300 on ot but there is no reason or case number or details as to why? it was jammed in door when I got home does anyone have any details on what to do and how to find out more about this? it says they will visit again
A place for MoneySavers to share their journeys towards debt-free living.
9.1K discussions
1.8M comments
Most recent: Road To Financial Recovery by FootyFanDan
Today at 6:39PM
Forumites help each other push down their debt by setting challenges and encouraging each other to achieve their goals.