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Statute Barred Chasers
I have received chasers from Opos & Capquest for debt from 2005 (date of last payments). I sent them the statute barred template and am now being contacted by email (don't know how they got my email address) I have no CCJ's and an excellent credit score. Will they just give up if I continually ignore them
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Is my account defaulted confusion! Self managed DMP
I’m starting a self managed DMP and waiting for defaults. Amex has been the first to move and I’ve received a notice of default last month and now a final demand and notice of termination. I have also been contacted by NCO debt collection agency. I thought this is now my trigger to start payments but I’ve noticed that the…
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I just can't see an end to this - any advice welcome
I owe HMRC around £17k. I say around because I can't bring myself to look at the latest figure. I am not going to try and justify this with a load of b'crap excuses. I mucked up and now my mental health is so bad I see the only way out as suicide but I have 3 children and they are the ONLY reason I haven't done it yet. I…
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Lowell, prove it letter reply.
I have recently had some letters from Lowell about a credit card I possibly had in 2018, I don't really remember as I was quite ill at the time and also my mum was at death door in hospital, I sent the prove it letter and they have responded. There is a line that says ' due to the age of the account and data retention, we…
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Credit style limited
I have account on credit style limited for a debt from Green Network Energy. Which I had been paying back through a standing order from November 2020 of £10 per week. Only problem is that the account has long been paid off and was completely unaware. I contacted Credit Style regarding any balance and this was there…
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Help please for DMP.
This is my first post and looking for some help for myself and my husband. My husband has OCD and ADHD and has had these diagnosis in the last few months, this has really helped us understand a lot of his spending behaviours. We have built up debts on credit cards, payed off with loans and then started again to the point…
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Car repossession shortfall
Hi, I’m a newbie here so I’m sorry if this is wrong thread/details. I will be happy to go and read another thread about my issue. My car has been repossessed back in October as I fell behind with payments. Agreed with the finance company they will collect the vehicle which they did. What I am struggling is that vehicle was…
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Advice needed - Defaulted on loan, have not heard back
I defaulted on a personal loan that I took for a family member's medical bill as they were without insurance. Was confident that I'd be able to pay it back but I've lost a good job over a year ago and have been taking odd jobs here and there that can barely cover household expenses. I fallen into arrears for 6 months…
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Full and Final Settlement Options
Hello all, I’m hoping someone can offer some advice. My husband and I have some old debts that we are paying via stepchange. All are over 6 years old, so defaults have dropped off credit files and our credit ratings are now both good. All of the debts have been sold on from original creditors, some of them more than once.…
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What Debt help would people recommend?
I'm just wondering if people have dealt with either?
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Merged: IVA or DMP
This discussion has been merged.
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DMP & Renting/Mortgage
Good afternoon everybody, Trying to get some answers if possible. 1. - I'm on a DMP can i open a joint bank account with my partner (not on dmp) so we have a main account for paying household bills, house savimgs etc. or will my DMP want acess to this and see it as i have more money, due to my partner putting money in…
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Upcoming Attended Hearing @ County Court - I cannot attend - Help!
I have been notified of an attended hearing at my local County Court next week for a debt which I fully defended against some time ago. It has been stayed and the creditor has now applied to lift the stay and request summary judgement against me. I have a young, school-aged daughter who will be off school for half-term…
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Affordability complaints
Hi all, you’ve kindly advised me of steps in terms of stopping payments to my creditors and managing my own DMP. I am currently waiting for defaults and building my emergency fund. in the meantime I decided to write to three creditors that I believed had lent to me irresponsibly. Two have come back within 10 days saying I…
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has anyone reclaimed from phone companies for unaffordability
I keep seeing articles about reclaiming for charges and I'm just wondering if anyone has successfully done this with mobile phones? and also any other lines of credit
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Stepchange for 12years
Hi , I’ve been slowly chipping away with my DMP for many (12)years . Paying small amount of £233 each month due to finances . Self employed and home owner so didnt want bankruptcy /iva route . Still have about £19,000 to clear so another few years till 2031, One company has offered me 60% off which I’m considering but it’s…
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Barclaycard Irresponsible Lending (historic)
Hi, I wondered if anybody had any success with a historic irresponsible lending claim? My claim is with BC (account now defaulted and with PRA) My issue is that FOS have come back and asked me for bank statements from 2011-2015 when my credit limit was increased without me asking for it (for context , I ended up with a…
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Advice on potentially defaulting credit cardpaymenst
Hi, need some advice, I have 3 maxed out credit cards, and 2 catalogue debts. Total around £21K. I can afford the minimum but it’s going to take years to pay off. I’m thinking of defaulting, but do I have to do that on all my open credit accounts or can I just default on the credit cards. My thinking is if I can build up…
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Re-finance personal loan
Hi, I'm new on the forum and looking for advice on how to get a better interest rate on my current personal loan with Barclays. I've been banking with Barclays for 8 years as my main bank for both income and savings. In May last year, I took a personal loan at an interest rate of 19% which I've been told it's because of…
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Helping Dad with long term debt / CCA without default (Barclaycard)
Hello Trying to help my Dad wrap up some remaining debt and want to check that my plan of action is sensible. I'll get this out of the way - yes I'm aware that I shouldn't be responsible for his situation, but luckily it influenced me to be switched on with my own finances. --- History 2019: Made aware of his debts in when…
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