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It all just got serious
Hello, long-time-since user and lurker of the forum. The situation I find myself in needs attention so I decided to come back. I plan on starting a diary to chronicle the journey to becoming debt free (the proper way this time) and posting my SOA to see whether it's possible to reduce outgoings. I guess I just wanted to…
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Information not matching
Account information - opening date: March 2022 - default date: August 2023 Payment history - first reported: February 2021 - default appeared: July 2022 - account has been satisfactorily closed: August 2023, closing balance £809 Do I ignore? am I being thick here
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Reckless lending appeals outcomes.
So I have two reckless / unaffordable lending appeals. Have received two replies from the lenders. 118 118 money have rejected it. So have progressed to FOS Lendable have accepted my claim. Here is their response. Can anyone help me make sense of it. I understand the the overt but also is there anything between the lines.…
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Did Plata take enough information to make a proper decision?
I found myself in a very tricky situation a few weeks ago, and felt that I had to take out a loan to cover the household bills and my own. I mean, it did the job, the bills were paid. However, having come back to the forum and trying to learn and get my head round a few things, and obviously try to get debt free as quick…
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Credit Cards - Close to Default. Will a Single Token Payment Delay it for Another 6 Months?
Hi. I am very close to defaulting on 3 credit cards, that Ive not paid towards for months (though have been in constant communication with card companies.) Things were looking up when I got a 3 month contract in a supermarket. However when I joined I was not aware of the extent of the supermarket’s problems. We were led to…
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Debt from about 20 years ago
Hope somebody can help, I got 2 letters from a debt collection agency. Both from credit cards. 1 letter had a settlement figure of £121.00 and the other for £798.00. Thinking I was doing the right thing by paying one of them off (£121) I long into the portal and paid that bill. I’ve just got an email with the following.…
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Merged: Debt from 2004
This discussion has been merged.
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Debt help
Need advise about dealing with debt after relationship break down debt of £22,000 all in my name Have looked in Iva ?? Is this the right way to go I have no assets no car or house HELP !
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In debt with Paypal
So for reasons too personal and long to explain, I went into a gambling spiral and have a negative paypal balance of approx 2k. I've now blocked access to gambling sites but I just can't afford to pay the debt back and don't know how best to approach paypal over this. I also have paypal credit with a 12 month 0% payment…
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Zopa loans on DMP
Hi all, wishing I had found this site before now! I signed up to a DMP in July before my zopa loans defaulted. I've just received a letter advising my loans are now defaulting. So now that my loans are defaulting will they clear off my credit record in 6 years time or 6 years after I finish paying the DMP? The loans I took…
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Recieved 14 day Judgement Notice
Hi. I have a debt of c£7k with a credit card company and c£5k with another. I've just received a notice that one of them has applied to court for a CCJ against me. I'm terrified as that would leave me in tatters financially. I was diagnosed with cancer last year and although not terminal, it left me anxious and unable to…
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ACI letter of notice - Aqua credit card
Hi i have also received a letter of notice from ACI regarding a debt from Aqua - I have an aqua account that is being paid each month I have rang aqua to confirm they haven’t sold my account onto a debt collector. I have no knowledge of this debt do I send a prove it letter? Thanks in advance
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Times running out.
Hi, I have a couple of loans and a few credit cards with approx £35k outstanding. Cards are already at very low rates or on 0% deals. Currently I am on top of these payments with none missed and my credit file is in good shape, however this wont be possible for long. My income is about to take a heavy drop and my new…
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ACI
Dear All, Am hoping for some advice on how to deal with ACI. They wrote to me a few weeks ago stating i owed money to Intrum Uk Finance. I may well owe it .. but it would be about 15 years ago and tbh i cannot recall. I ignored the letter and then again a week later another letter to say they would send a company called…
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US medical bill passed onto Debt collector
Hello, cut a long story short I had to visit the ER on my holiday to the states. I received no treatment/X-rays/scans ect. A doctor literally just ‘checked’ me. I had travel insurance and after 40 minutes I was discharged and the bill was going to be sent to my travel insurance. Basically, turns out my insurance was not…
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Dealing with late partners debts
I am not sure if anyone can help with this. My partner of 26 years died in February and I am in the process of dealing with the Estate. We owned the property I live in as Joint Tenants. I understand the property passes to me. I am still paying the remainder of the mortgage. However, there was a charge put on the property…
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First default? Who should I pay?
Hi to all, I think that the attached snippet from a letter received from Newday (Pulse)
Credit Card is my first default? There are no defaults showing just yet on the credit reference agencies. The letter which was actually via their website suggests that I make contact in
order to arrange a payment schedule. I’m not sure…
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Debt, avoidance and accountability - hopefully?
Good morning lovely people, So, I am here to try and get myself together. I have some credit card debt, I have just read a comment on another thread that struck a cord with me and its been my light bulb moment..... "if you treat it as a low priority debt it will always be seen as low priority debt to you" My credit card…
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Stepchange Debt Management Plan
Hi, I have recently decided to sort my life out after managing to rack up £31k worth of debt through loans and store card and credit cards. I have signed up with Stepchange and the recommended me to take out a DMP. I have also applied for a 60 day breathing space while my DMP is being set up. And I have cancelled the…
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Full and finals
Hi, I am moving soon. I''m on a DMP with PayPlan but I have secured a mortgage with Haysto. I am going to pay off my DMP with the proceeds. Will I be able to offer reduced settlements as I have been in a DMP for 2.5 years?
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