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ACI and Perch group letters and texts
I have a debt with MBNA for a credit card I defaulted on from approx 20 years ago that I am being chased for by the above company, ACI and Perch group. I had a CCJ against me, that I didn’t even know about at the time which I assume was due to a house move? I also have not been paying anything towards that. I have heard…
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Complicated (and stupid) renovation debt scenario - desperately need some advise
Stuck in a tricky spot and feel our next decision could make or break us financially... In 2023 we bought a house which needed a lot of work to get it to where we wanted - in hindsight this seems stupid as it was our first house. We had a small pot of savings to start us off but this quickly ran dry and since we've been…
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Help - DMP & Default Question
Hi, I am a gambling addict and have recently very quickly been able to gamble a significant sum of money by getting loans and credit cards and an overdraft within weeks of one another. I own my house with husband who I am needing to speak to about it, however before I do I need to understand my plan of action. I have today…
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Lantern
Hi, I'm Looking for advice please. I've been getting bombarded with emails and letters from lantern, who say the acting for perch and are going to give me a home visit to discuss payment of a loan I had with Sunny for £439 years ago, will I need to speak to them, any advice would be great...thanks
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Scared of Debt, Divorce & Losing My Home – Please Help
Hi everyone, I’m really hoping for some guidance and reassurance because I feel completely lost right now. A bit of background: * I went through a divorce recently and bought a new home for me and my little girl. * Not long after, I lost my job due to a mix of anxiety, depression and then breaking my ankle (I had surgery,…
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Credit Card Debt
I have unfortunately got myself into nearly £10,000 worth of credit card debt. Started off interest free now thats run out and im paying interest. Monthly minimum payments are nearly £300. I am also paying off a £6000 loan. My credit is rated as fair/good on Clearscore however when i have tried to either get a debt…
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DEBT letter from OPOS ?
hi , hoping for some spot on advice here , it all began about 7 weeks ago i got a letter fro some sort of A alleged debt from a company called opos ( never heard of them ) in my name to my address so i opened it up to read i can pay in full pay in bits and or pay up front fee of £77 via a web site on this letter and by…
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Merged: Full & final settlement help
This discussion has been merged.
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Money Issues Due to Sickness from Work
Hello, I have recently been diagnosed with breast cancer meaning I have to take a considerable time off work and am only entitled to SSP. My husband earns well but we have debts of about £30k so need to somehow consolidate these while I am not bringing in my full wage. I had planned to apply for an IVA but not sure if this…
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Pre DRO clarification not covered on gov website
Hi, so in short, I’m off work ill, I’ve got a disability as recognised under the equalities act 2010. Settlement with employer possible, claiming UC standard rate and housing element, and at risk of homelessness, council housing team are supporting. CAB helping with £30,000 debt, DMHEF should be on its way to creditors but…
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Aqua credit card/ Moorcroft
Hi, looking for some advise on an email I have received. Aqua not showing as defaulted yet on my credit report although it does sy contract terminated on my app and I have not received anything in terms of a letter in the post. All letters in my app.(ishis the same) I have now had an email from Moorcroft asking me to…
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Advice on old/current debt. Out the blue.
So i have received the letter below as 1 of 2, personal Credit card and a seperate one more or less identical for a personal loan. Looking for some solid advice on how to proceed. Just received them and do not want to leave something too late. Background info :- IT Contractor. * Had accident in August 2018 was ill for a…
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Completed SOA, don't know what to do?!
Sat down with my husband yesterday to finally start facing up to our debt issues as we've been burying our head in the sand for a long tim! Bit of background - July 2024 we took out a second mortgage to consoldiate some debt from building work that went well over budget, the amount was affordable and freed up some funds…
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Am I doing the right thing?
Hi all. Just want to check I'm going along the right lines here. One of my credit cards defaulted in seot 2023. Last payment was April 23. It was passed to westcot, back to original lender, to moorcroft ... I have not interacted in anyway with any of these companies . The last contact I received in writing was moorcroft in…
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Help required
A long time lurker. This forum has been very useful and I have followed advice to let two accounts default as I could not keep up with the repayments. I have been saving an emergency fund and feel as though I am in a better place moving forward. I have two accounts with Tesco that have defaulted and are now marked as…
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Just deciding... which way round to pay these off....
Will finish paying off a credit card in Oct and I am deciding which to pay off next, realise it doesn't really matter. 1750 on a 0% until April 27 credit card 8000 on a 5.9% loan. Ive 'paid' the interest on the loan already really, but understand it will affect the final figure. Approximately 28 months left. Avalanche or…
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Moved: Student loan income calculation
This discussion has been moved.
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Full &Final Debt Offer Letter Template
HI All, I am in the process of creating Full and Final settlement letters for my partner for for his 3 remaining debts. I have already requested CCAs and 2 out of the 3 have come back unenforceable - the 3rd is less than £900 balance and that is the one that is enforceable. I am going to gift him some money to clear the…
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Default/Debt advice
Hi All, I’ve made a real mess of my life these last few years and got myself in a financial disaster. I don’t want to go in to specifics but I have made the right steps to getting this sorted for the sake of my family, before I had all the right intentions but none of the will but that has changed now. I have about £36k…
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Help with our debts please
This discussion was created from comments split from: DMP mutual support thread part 13 !!.
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