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Leaving certain debts out of DMP
Hi, I think I am going to bite the bullet and go with a DMP. I was wondering is it best to include things like Klarna and Very? I have accounts with them with very small debts (usually pay in take 3) or 12 month interest free. Can I just not include them? Also Stepchange online is possibly suggesting a DRO for my husband,…
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Debt from uksearch Ltd that I feel I don't owe
Hi I've been given a water bill f9r a unit that I rent which I feel I don't owe. This is due to the fact that the company I rent off have said the utility bill I pay each month is for the electricity alone as they cover the water. I was sent a letter from business stream 2/10/24 saying welcome on board. I never signed up…
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DMP and car insurance
Hi I’m considering a DMP and I’m just wondering about car insurance. I normally pay monthly and you need credit to do that. If I have a DMP I’m guessing I won’t be able to pay car insurance monthly due to poor credit? I don’t think I’d be able to pay a full year up front. Is this right, anyone had experience of being in a…
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Cabot financial and ORBIT just sent a man to my door!! I am a vulnerable customer. What do I do?
Hello, I am paying back at £5 a month a very old debt (so old it comes off my credit file this year) Cabot have been harassing me for months by calls, emails, texts and warning letters to fill out a budget form. I ignored it and told them to stop contacting me as I am autistic, paying it back and also vulnerable due to…
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Council sending Baliffs after me for council tax I don't owe, advice needed
Hi, I wonder if any one an give me some advice council have sent bailiffs after me for money I don't owe. I'll explain in more detail in 2023 I fell behind in council tax in October of 2023 I came to a agreement with council and set up a payment plan which I have in writing. I worked hard stuck to plan, never missed a…
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Pulse/Marble due default can’t sign in - normal action?
I have missed 3/4 payments now on my Marble and Pulse card. I received my letter from Pulse beginning of December saying agreement terminated and full balance due. Then received the same from Marbles end of Dec. So both due to default any time but haven’t yet. I’ve had no phone calls from them since Christmas Eve. They…
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DRO & LLoyds
I am in a debt relief order through money wellness. For months now I have been getting letters from Lloyds but I thought that they were just automated since I am in my DRO. I received a letter this morning saying they have sold my debt on to Lowell as they had no idea is was in my DRO. My dro started at the beginning of…
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Digital DRA
Hello so on this site I came across a cheap sim deal with ID mobile which I signed up for. The sim card came today and as soon as it was loaded in I got a text message from Digital DRA claiming "The longer this remains unpaid, the longer it will potentially impact your credit score. Login today so we can help! URL HERE" On…
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Merged: Maximising Take Home Pay
This discussion has been merged.
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Wescot contacting partner
Hello, A credit card of mine has unfortunately been passed to Wescot collections. They have sent me texts and emails, which I have responded to. This week they also sent two texts to my partner’s phone. My partner isn’t on the account; the credit card is solely mine. I don’t know how they have got my partner’s number. They…
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What small DFW things will you do this w/c 10/02
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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What small DFW things will you do this w/c 17/02?
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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Merged: Hi I have some impulse control issues and struggle to read
This discussion has been merged.
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Student Loan never going to end
A bit of advice would be great on a situation my son is in. He took out a student loan in 2012 and moved away to university for 1.5 years and this totalled around 19k. Unfortunately he did not pass his degree and had to move back home. Over the years dependant on his job he has paid a fraction back and over the last 1.5…
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Advice needed on full and final settlement offer please
I have been paying off 3 credit card debts, all of whom had
been sold to debt collection companies, all accounts had defaulted before being
sold on. One of the DC companies has sent me a full and final settlement offer for
50% of what I owe them. Whilst I appreciate this is a decent offer, I would
have to ask a family…
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Old Debt
Hi We are being chased for debts over 8 years old. We were initially contacted about one that is recent and were then told about at least 2 others, both of which are over 10 years old!!! We are happy to make an arrangement for the recent one (only a couple hundred pounds) but not the old ones. Can these be enforced? Thanks
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Capquest letter
My wife has just received a letter from capquest saying they have taken over her debt from another company etc etc. And now all monies should be paid to them, this letter is saying money she ows natwest, but in the 20+ yrs we've been together she hasn't banked with natwest, and they are making an offer if paid before Feb…
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Debt solutions
Hello, i’m hoping someone with a bit more knowledge can offer some advice. I have recently found out that my partner (long term, two children and a mortgage together) is in much more debt than i was aware of. I knew of some credit cards but wasn’t aware of the balances, and i knew of a loan but didn’t realise how much it…
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Lowell for debt default date 31/3/20, what next?
Hi, I need advice please. I have one debt, a credit card originally with Aqua. Credit Karma says default date 31/3/20. I had spoken to them in 2019 about struggling to pay and my anxiety, and I didn't hear anything at first, then it was sent to MoorGroup in Autumn 2019. I told them about the anxiety and looking into a DRO,…
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Capquest help
Hi! I got myself into some trouble when I was young and have been paying off my debts through capquest and wescot ever since. I have lived in North America since 2017 and recently had an issue accessing my UK bank account and my capquest fell into arrears. I went to log in to my capquest account today as I finally sorted…
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Most recent: Awesome August's No-Spend Days Challenge! by Dizzycap
5 August at 11:04PM
