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Unaffordable lending
Hi, I had success with an unaffordable lending complaint against Zopa a couple of months ago. at the same time, I had escalated a complaint against Ratesetter for a £15k loan and Virgin credit cards (x3). The Ratesetter was rejected by Ombudsman (after appeal against Investigator decision). 2 of the 3 Virgin Ccs are…
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Debt from 19 years ago
So I had resolvecall come to my door said I had a balance of £318 (I’ve got a dmp with stepchange )so I said am I not paying this with stepchange got me to phone up the company spoke to them this debt is from 19 years ago and today I got a different letter saying I owe £1241 with shop direct I’ve no idea if the company got…
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CCJ not statute barred?
Hi all I took over my brothers finances many years ago & have LPOA. He was in a lot of debt which I slowly managed to repay over several years, this was around 12 years ago. It now looks like one of the debts slipped through the net. He has had a letter from a debt collectors requesting payment of a bank debt. I sent them…
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I'm struggling - please help
Hi everyone, First before I explain everything I've been trying to battle this debt for 2 years and just can't any more. Last couple of days this has been taking a big toll on me, to the pound I'm thinking of going the DRO route. Please don't judge me, I'm just looking for help now. I've been unemployed for last 2 years…
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Response from prove it letter
Hi guys. I have been getting chased by ACI for a debt. They sent two people at different times on the same day to my mum’s house (my former address) while I was out the country on business. They produced a hand written note stating that I had to contact them. I self consolidated my debts a few years back and it’s possible…
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Demand from hessonite
Hi help required please I had a joint mortgage with nram in 2008, I divorced my husband in 2010. I did sign the mortgage agreement but my ex was violent and controlling, I was also not told by the finnancial advisor of all the debts that were in my ex's name and he falsified his income to get the mortgage, all paperwork…
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Next Catalogue Debt - Brecon Debt Recovery
Hi Last year, as part of my DMP my debt with Next defaulted. Since then, I have been receiving statements every now and then from Brecon Debt Recory. I searched them as I would like to offer a F&F payment but I can see they are part of Next. Does that mean my debt hasn't been sold? Is it likely they will entertain a…
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Default End Date
Hi all, I got myself into a pretty poor financial position back in 2018/2019 where I buried my head in the sand and picked up a number of defaults and two CCJs. These are now coming to an end, and I just need some advice on what the next steps might look like as the debt still hasn't been fully repaid. The following…
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Is this normal...
Hi there, I decided at the end of last year to stop paying all my loans/credit cards as the payments were crippling. Last payment to all was November 2025. Here's a summary: Provider Status Amount Admiral Defaulted £ 17,253.00 HSBC Defaulted with Wescot £ 4,512.67 Ratesetter Defaulted with Arc £ 12,029.00 Tesco Defaulted £…
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Council tax court summons was not even aware.
Long story short. I had a court summons for council tax early this month. I did not know about it because I no longer have anything to do with the property. The landlord had their solicitor email me a complaint and in that they scanned all letters received after I stopped dealing with the property. The letter was sent on…
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Trading Loss
Help, A friend has lost money trading and now owe a considerable sum of money. the company want the money back but they cannot afford to give the whole amount back - is it possible to come to an agreement of some sort? Help please
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Good income but but can't get out of debt
Hi, apologies if this is a duplication but I don't know
where else to go, let me know if it is and I will delete. 5 years ago: I, wife, and new baby lived in accommodation provided
by family business. Business changed due to a death. Family dispute, had to
leave business. Had little savings due to being partner in business…
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Some advice please
Hi everyone, i have been hovering over the post button for some days how. I am in around 21k of personal debt. 3x credit cards & a Very account. 10k, 6k, 4.5k & £500 . I have considered a DMP with step change but then I have been reading threads on here for around a week which suggest the best form of action is to first…
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Westcot after default
Hi, I have read a lot of advice and I think I am getting confused as there is advice not to deal with Westcot as they are debt managers rather than purchasers. But I dont know if that applies to me as Tesco have already defaulted me. I have received a letter from them (and they are calling very frequently) to say they have…
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DMP and out standing debt
Hi all thanks for previous help, I needed a bit more 118118 have now sold my debt. The original debt was £1800 but they are saying I owe £3567 which would include the interest over 5 years? Can they request that or do I need to contact the new owner and advise original debt was £1800. Regards Blueblonde3
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Prioritising what debt to pay first
Hi there, I’m hoping for a bit of advice. I’ve been working at paying off approx £10k debt over the last year and a half. Currently my debt is split between bank Loan @ £2,400 left to pay (£3,900 originally including £435 interest) and my monthly payments are £149 until December 2026. Credit Card @ £2,800, on a 0% interest…
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15 year old debt,Carbot warrant of control
Hi So hopefully I can get some advice. I had a overdraft maybe 15 years ago with Santander . Had some bad times so didn't pay it back. Then carbot bought the debt and now I've got a warrant of control, the dreaded 7 day letter. Now I admit I've ignored all the previous letters as I thought considering the age of the debt…
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TBI financial services
Evening all, Has anyone had any experiences with TBI financial services? I currently owe £4,160.68 on a defaulted plata loan and paying back £15.00 per month. I’ve recently come into some money and wanted to offer a full and final settlement but found them less than cooperative and said I’d need to pay the full £4,160.68.…
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Credit card default
Hello, advise please for my daughter, she is married they own their home, she changed banks accounts and the DD for her credit card defaulted without her realising, she has the money to pay so it is not that she dosent, she got a letter which first bought to her attention, she acted quickly contacted the card company to…
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£57k debt - Stepchange or self?
Hello, I (29M) am finally resolving my debts after years of letting it get worse, I found myself trying not to miss payments and so took out further money which got me into this hole. (Not missed any payments on anything) I have 4 loans, 3 credit cards and 3 overdrafts and I am looking at a DMP with Stepchange, I can…
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