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Moved: Removal of charge on property due to lenders death(Scotland)
This discussion has been moved.
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Merged: Santander took back debt possibly?
This discussion has been merged.
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Drafty line of credit
Hi. I have a drafty line of credit. Interest has racked up. Monthly payments high. Any tips to ask them for management plan and freeze charges
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CCA
Hi all, My Next account defaulted last year as part of my self managed DMP. Next in house collections took over and then another company which I think was Ardent Credit. I asked Ardent to supply CCA, they could not. Since then I have been contacted by Advantis who say they are working for Next. They produced a CCA which I…
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Lowells Debt
I have an old credit card with Lloyds Bank, passed to one debt collection agency after another. My last payment was on 20th November 2018 so it isn't statue barred. I've gone through the whole process of verifying that they have the evidence to take me to court if they need to. It is enforceable. The debt is for £2051.83.…
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Self Managed after 3 years with SC questions
Hi all, Have been with Sc for 3 years, now have 24k from 42k and 13 creditors from 13. Have recently asked for CCAs from all creditors and have so far received 3 of 13 bank. What I was wanting to do was to put SC on hold fro 1 month while awayiignthe ccas and just pay the ones who have given the ccas back and then save the…
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PayPal asking for list of creditors
Hello 👋 I’m in the process of setting up my own DMP, got a few defaults now and setting up payment plans generally seems ok so far without too much hassle. I am being asked for lots of information though by PayPal, I’ve provided them with my budget sheet and offered them a fair share of my remaining budget after expenses.…
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Help an overthinker out.
So I have buried my head in the sand for far far too long. Got in way over my head consolidating debt over and over and I've finally hit the point where I'm buying groceries on my credit card to survive . I currently owe 47k in debt. I've looked into loads of different options but I think a DMP is the most suitable.…
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Self manage v SC
I’d be grateful for advice please 🙏 I started my DMP with StepChange with first payment this month of just under £300. I stopped paying all my debts in February. I have struggled a bit this month, whilst I’ve stuck to my general budget I had a pre DMP booked long weekend away that I hadn’t saved for as my usual plan would…
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Debt management plan help
I am currently on a debt management plan with step change but stupidly I've taken out extra credit, what is the best thing to do? Start again with another company or just call and ask if these can be added on? Is it even possible to add more debts to the existing plan, new debt total just over 3000 i feel so ashamed…
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Self managed debt management plan
Hi all, just after some advice on a self managed DMP. What are the first steps and can any share any positive stories about them? Thanks!
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In over my head
Hi all, I have been over my head for a while and have been burying my head further and further into the sand. The reason for my debts are years of consolidation, on top of a house move where we had to pay for 2 homes for 3 months (long story) and then essentially getting carried away and living a lifestyle we cannot…
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No cca hope?
Hi all, I accidentally.put this in the diary thread, which I can edit but not delete so applg8es if duplicated. I have recently submitted 4 x cca requests to link. Do you think this reply for all 4 means they might not find them? Or is it a standard link response that they send as don't get them in the requested working…
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CCA help please
Hi there, My husband and I are on a dmp with stepchange which was at 42k and is now at 24k. I'm wanting to write off for cca requests, 5 in my name and 4 on his but have some questions please. I have one at approx £6k with hsbc repayment services from 2018 - do I write to hsbc directly or hsbc repayment services? Is.it too…
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Breathing Space
Please can someone explain in simple terms how breathing space works on a credit card? Thank you
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The Lowell Chase
Hi all, just after some advice about Lowell. They are sending the obligatory 60% discount offers etc and chasing up with phone calls and all that jazz. But on my credit file the accounts they are chasing me for say closed accounts £0. But on the letters they are sending me I owe £2900. Are they chasing me in hope more than…
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Advise sought please
This discussion was created from comments split from: Struggling with debt? Ask a stepchange debt adviser a question.
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Debt randomly written off?
Hi all, last week I received this letter from Very catalogue. My account defaulted in December I believe and sold on. I have not paid anything to DC as no CCA provided. They have written to say they have written off the debt and marked my credit file partially settled. This seems strange as to why they would do and I'm…
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ID Theft and British Gas Harrassment
Husband has been receiving letters from a Debt Recovery Firm in Leeds to say that he owes thousands of pounds for gas and electricity used between July 2024 and January 2025 in a property that he actually SOLD in 2016. We cannot get through to these people that he does not own the property. We have sent them an Office Copy…
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Mental health crisis breathing space
Hi there I've got debts of around 6k I got into debt around early 2000s whilst living in London when I had first serious mental health breakdown. In 2022 and 2023 I relapsed and ending up in hospital a few times and had to give up my job and ended up moving into supported accomodation. I'm a single man aged 50 and I want…
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