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Bank loans and CCA’s
I have 2 defaulted loans, 1 is a Barclays loan and the other is a barclaycard masterloan. Am I right in thinking that you can’t request a CCA for loans?
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PRA Group threatening me with Solicitors
I have two defaulted Barclaycards which have been with PRA Group since early this year. Earlier this year I was advised by @sourcrates and others on a course of action. I sent a letter stating that unless they could provide proof of a CCA I would not enter into any further correspondence. I stated that I was aware that…
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Debt Help
Evening all, Was looking for some advice on my current situation… I had 14 different credit/lenders which have since been sold to 6 recovery companies (Lowell, PRA group etc.) I had previously let them get to missed payments on the basis of eventually letting them all default which has happened since October/November 2025.…
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Help as Lowell are not giving me proof as requested
Hi All! My first post and it’s taken quite the journey for me to get here. I have successfully set up a DMP with StepChange and believed I had added in all valid and enforceable debts and breathed a sigh of relief. But now that feeling of dread is coming back due to communication with Lowell. I have successfully challenged…
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Creation Finance - setup DD without permission
Hey all, Looking for a bit of advice here. I’m currently on a DMP with StepChange, one of the creditors is Creation Finance. So at the point of setting up the DMP, I opened a new bank account and now use that as my main account for salary and DD payments etc. I’ve just discovered that Creation Finance have setup a direct…
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Prove It Letter when you know the debt is an error?
Hi all, I moved out of my last home in March 2025, where Scottish Power was my energy supplier. I closed my account, and everything seemed fine. Yet, for some reason i've got a £65 debt attached to my name, and now my credit file shows a missed payment and, hence, default. I contacted Scottish Power; they said they believe…
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PRA Barclaycard
Hi all, I have a Barclaycard debt which was sold to PRA after default (default date around April 2024). I have requested CCA from PRA multiple times and haven't received. They have emailed the generic stuff a few times about make payment, offer on account etc. They have now emailed saying action must be taken, and on this…
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Where to start!
high debt in a DMP £45k , also have about £15k in other debt not added to DMP , any advise as to how to get extra income , I work full time , and sell what i can when i can
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Odd credit card activity...!
Hello, I've not been on this site for a while, a bit busy. Suddenly I find I'm swamped with issues. An odd email alerts me to a CC debt, though I've never had the particular card. There has been no posted communication, no phone calls or letters, bills etc. In other words, they only have this email address. No other…
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Clearpay/Paypal
Hi. I have managed to agree payment plans with most of my debts. Nice online portals where you can manage debts. But Clearpay I'm finding it hard for them to agree to my offer of £4 a month. They do every 2 weeks and is 5.37. How can I get them to agree to this. At the moment they are not reporting to CRA. But after July…
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Perch Group/TM Legal - Pre Action Protocol letter - Debt NOT mine
Hi all, I have been receiving a few letters from TM Legal/Perch group about a debt owned to EDF energy for utilities from October 2020 to Feb 2021 for an amount of £646. The thing is I moved out of the property (where EDF provided the energy) in September 2020. I have my current lease to prove this. On moving out, I…
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Contacted by ACI
I’ve received 2 letters from ACI with 2 different references and balances for old debts about a week ago, and again they sent reminders again today. They state that if they don’t hear from me, they will use Verify and are saying someone will come to my house. I have Autism and severe anxiety so this is really stressful for…
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When to offer payment
Received this response to my complaint; “Zopa will no longer report the loan agreement to the Credit Reference Agencies, and we will remove the loan from your Credit File, this includes any previous negative impact including the default registered on 2026. Just to let you know, as there are multiple credit referencing…
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Defaulted Lloyds & MBNA debts – no contact since 2025. Should I wait or reach out
Hi all, I’m looking for some guidance on the best next step with two defaulted credit card accounts. Lloyds and MBNA both reported defaults on my credit files in July 2025. After that, I made an affordability complaint to the Ombudsman. The Ombudsman issued a final decision in early 2026 and didn’t uphold my complaint, and…
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First default
How do, Had my first default on credit rating. Loan from ratesetter for just under 3k. At present I have arceurope hounding me for this one. With them being a collector, not purchaser do I ignore them until it's sold or just start paying them via SO? With it not being sold, a prove it letter seems a bit pointless? I…
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Cabot rejected £600 full & final settlement on £2,224 CCJ debt – what next?
Hi all, I'm looking for some advice regarding an old Ambrose Wilson debt that is now with Cabot Financial. The debt was originally an Ambrose Wilson account and was later assigned to Cabot. A CCJ was obtained in August 2024 for around £2,173. The balance is now approximately £2,224-£2,269 depending on which statement or…
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0% balance transfer
Hi all. I have a 0 balance transfer card thats been open for years. It currently has 0 balance but a 3k credit limit. We are due to start the remortgage process as out fixed rate ends 30th sept. If I transfer a balance from my other card to the 0% card will that affect my credit score. Or should I hold off until…
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£31,000 Credit Card Debt and My Anxiety is Unbearable
Hi everyone, I’m in around £31,000 of credit card debt
across four cards, and the stress and anxiety is seriously affecting my health. I’ve
struggled with anxiety for over 20 years, and this situation has made it so
much worse. I missed my minimum payments in March and will
likely miss them again in April. The constant…
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Success with challenging Final Charging Order?
Hello folks. For background, I am in debt to the tune of £60k (all consumer debt), £11k of which is owed to a bank. My creditors have been good to deal with overall and I am in a self managed DMP with standing orders going out each month. Everyone except the bank seems ok at the moment. Solicitors acting on behalf of the…
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Old joint account overdraft debt
I am after a bit of advice from some of you rather fantastic people. I broke up from my ex about 12/13 years ago now and at the time there was a lot of debt between us. I have managed to pay off all the cards and debt that has been in my name, however there is a debt that is against a old joint bank account for a unpaid…
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