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Default date
Is the default date definitely the date listed on credit reference agencies? I have two debts listing the same default date which seems fishy to me. I'm sure I stopped paying them way before that because it was not long after I moved in 2018 and they've reported as defaulted in April 2020. If that is the case they should…
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Full & Final Settlement Advice Please
Hello all, Im looking for some advice on offering a !!!!!!. I'm currently in a DMP with Stepchange. I recently inherited a lump sum which I want to use for a !!!!!!. The largest debts are managed by PRA Group and total £9000. I have asked for CCAs from the creditors and they have not been supplied. They sent generic ones…
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Opos Debt company text me - help
Advice please. Opos debt collections have text me out of the blue saying contact them... no more info. looked into it and they are a debt collection company.
In the past I have had a couple of things that I fell behind on etc. But it's been over 6 years and nothing on my credit file at all or had any contact in over 6…
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Default credit card - affordability complaint
Hello So I've been on a journey of trying to reclaim back some charges and interest through affordability complaints and reduce my debt. I have one defaulted credit card (Vanquis) for a total of £622. It defaulted in Dec 21. I have an affordability complaint sitting with the Financial Ombudsman for this at the moment but…
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Defaults coming
Hi, I posted here recently. This past year was the worst year I had in a good while. I was in and out of employment and ended up living at home with my parents. I won't go into it, but I ended up 15k in debt. I got a new job. However, am fearful of the future. I feel I am better off saving an emergency fund and defaulting…
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Self managed DMP
Hi, to cut through the preamble my debts have been spiralling for a while now and ive been using credit to pay debt. Time to cut loose. So i've read quite a bit on this forum and am pretty sure the a self managed DMP is the way forward. I created a SOA which i've posted below. Quick question... it's asking for my partners…
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Replies from Lowell to CCA template letter
I’ve had 2 replies from Lowell using the template CCA letter. One was Bank of Scotland which looks as though it has all the requirements. The one from Virgin does not look as though it has the correct details. Any advice would be appreciated. I’ve attached photos of both.
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CCJ
Hi, looking for some advice regarding a CCJ I got in April 2019. This was paid within the first 30 days, however after looking to borrow some funds I noticed it’s been on my credit file for nearly 6 years with the status saying it’s Unsatisfied. My understanding was if it was paid within 30 days it wouldn’t go on your…
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Advice for dealing with debt
Hi, I have been struggling with repaying my debt. After repayments I am struggling to have enough to live on. Whilst I used to move credit around onto 0% cards, as my debt has grown and credit rating has become ‘poor’ I cannot get better rates. For example I have an almost £5000 debt with Amex at 50% interest. I am only…
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CCJ over six years old and not fully paid, where do I stand now
Had a CCJ against me from Lowell for an old unpaid overdraft from Nationwide, the debt is from 2011 when I was not doing well at all and got into a big mess with money, ended up being mostly charges being added all the time, then Lowell got hold of it. I argued for ages with them over it and back in 2018 they got a CCJ…
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Help with DMP
Hi! I just need some advice from someone who has had a DMP. I am in debt for the first time in my life and it has became unmanageable. At present I have about £16k of debt across two credit cards and one loan. My partner is not aware of the mess I have got myself in, and I know a lot of people will say I should be upfront…
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CCJ Statements - Are they a thing? And if so, are they an actual requirement?
Hi All, long time, no post from me :p I've been struggling to get info on something now for a while. Lots of Googling and trawling the MSE forums hasn't really thrown much of use up to me. The situation for some insight is that a friend is paying a CCJ to a local Council. They've been paying £100pm since August 2019 and…
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Terrified and need advice on debt
Sorry this is a bit of a long one but have got myself stuck and in a situation where I'm filled with panic and don't know what to do. I'm 44 and have spent my whole life being very careful not to get into debt as it really scares me. I grew up in and out of care and in various unstable situations and saw people struggling…
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Action is the antidote to Anxiety...
...at least that is what I am hoping. I am going round and round (and round!) in circles and getting nowhere. I have just stumbled on this form and thought I would post to see if anyone has any bright ideas (which will be gratefully received). 46 yo self-employed mum of two, married but deal with all finances separately to…
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CCJ/Court wrong information on debt issue
Hi, I'm hoping I'm in the right place here. I had a loan with Barclays Bank years ago which I defaulted on. It was sold on to various companies and last year I received communication from one saying they were taking me to court to issue a CCJ. I received paperwork from the court to my previous address and the information…
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feel overwhelmed
i feel totally overwhelmed i'm in a recent dmp this stresses me but I could'nt see any other way out need dental work doing which i have to pay private for as my nhs dentist is refusing i think i want to apply for a better job but worry about the dmp i feel like I'll be in debt forever sorry just looking for some support…
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Please can someone check my plan?
Hi all, I have completed my SOA, reviewed the last 12 months spending & set a new budget going forward. DMP is the only next step for me. I have paid up this month, and plan to cancel DDs before next payments come out. I am planning on stopping payment to my Lloyds CC which now has £7800 on, at 34.9% APR. Costs me £300+…
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Moved: Should I get another 0% transfer bank card?
This discussion has been moved.
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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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