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No choice but to consider DMP - help appreciated!
Hi, I have been reading advice on this forum for a while and I've realised that despite trying for years to repay my credit card debts I have actually just been treading water at best and now more recently getting further into debt month by month. It has been a combination of everything being more expensive post pandemic…
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Cabot financial and ORBIT just sent a man to my door!! I am a vulnerable customer. What do I do?
Hello, I am paying back at £5 a month a very old debt (so old it comes off my credit file this year) Cabot have been harassing me for months by calls, emails, texts and warning letters to fill out a budget form. I ignored it and told them to stop contacting me as I am autistic, paying it back and also vulnerable due to…
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Frasers Plus
Hey all, trust me I've tried searching the forum but keeps giving me House of Fraser competitions. Anyway Frasers Plus have taken over my Studio account and they've added over £400 interest and it's giving me such a headache, I paid over 50 quid the first month despite it saying no payment was required, that seemed to push…
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Loan complaint, ombudsman can`t help, ideas?
This discussion was created from comments split from: DMP mutual support thread part 13 !!.
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Help!
Can anyone help please? My sister and brother-in-law are struggling. He went missing last week and when the police found him he had taken an overdose. He is extremely ill and disclosed that he is a gambling addict, he has taken out a mortgage for £170k and is in arrears of £11k with a possession order from the courts…
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Text message from Debt Collector - Advice please
I manage my own DMP and only have two debts left to sort out. I’ve received several text messages from a company called AIC Corp saying it’s about my NatWest account. The texts include a link to make a payment or set up a plan. However, I haven’t had any letters or written correspondence from this company — only texts…
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Pre-Stepchange DMP questions
Hi everyone, I’ve recently joined the forum and read through many threads but have a few questions if anyone who’s entered a DMP is able to help? For a bit of background, I’m approximately £22k in debt, this is split across seven lenders which I’ve been juggling for years but don’t seem to be getting anywhere with paying…
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Interest before defaults
Hello, I am looking at starting a self managed DMP, and I just have one(possibly silly)question. When I stop making payments to my credit cards, after a month or two, the interest will take me over my credit limit. Is this normal to happen? Thank you in advance.
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Wife death - Please help with where to begin...
My spouse has passed away suddenly.. The house we live (+-£175k if matching the last sale on our street of a similar one) in is in her sole name with a mortgage of ca.£28k. She has a life insurance which hopefully will be paid off that will only cover the cost of the mortgage and funeral. Also she has a few debts,…
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What do I do!
I have 3 credit cards. In 2022 I cleared my cards before I moved out of parents home to go rent. We done ok not spending on it for awhile after moving out but it quickly became living beyond our means (which is own fault) and we spent and spent on it with the idea of paying it back and never did. Since we bought a house in…
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Advice about overdales please
Good afternoon I am seeking some advice regarding overdales sending me a claim form for an unpaid Zopa credit card. I was declared bankrupt in January 2019 and issued a 3 year BRO. I applied for a Zopa credit card and got accepted in April 2023. I was managing well initially and then found myself in financial difficulty…
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How to stop letters going to old address (running debts to SB, abroad, using UK Postbox)
Hi all — hoping for some advice and to sanity check my plan. I have several old debts (mainly credit cards and loans — Cabot, PRA, Barclays/Barclaycard). They all defaulted in June 2022, so I’m halfway to them going statute barred (England). I’ve made no payments or written acknowledgements since default — I’m deliberately…
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Moorcroft debt collectors
Hi I'm at the start of my self managed dmp, only started in August. I had an email a few days ago from moorcroft on behalf of marbles stating they would like to speak to me on a personal matter. However the last letter I had from marbles was just saying they terminated my agreement and wanted full payment. No default…
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Capquest nightmares!
Hi, I received a demand from the above, last Friday. It's been giving me anxiety and waking me up!! Today I've read through some of the historic posts on here, re Capquest and I feel slightly better. However I still don't know how to tackle it. I received a letter addressed to my daughter, but at my address. Capquest say…
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Questions about a DMP and £50k in debt
Hi everyone, over the last couple of weeks I've been focussing a lot on getting our debt in order as our outgoings on paying of credit cards is unsustainable now that I've realised we're going about £230 over every month and using credit to pay for food etc. We have around £48000 across 5 credit cards, a £500 overdraft and…
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Help with debts!
Hello, I'm new to the forum but have read a few threads and have a much better understanding of debt. I still have a few questions though if anybody would be greatful to answer for me. Apologies if they have already been asked an answered but I haven't been able to find any answers. A bit about me... I have had a gambling…
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Have a claim for a credit card debt, best next steps?
I'm re-posting this with additional info I have received a claim form via Civil National Business Centre its from a solicitors representing Lloyds, for a credit card debt of c£3000 I haven't made any payments for around 2.5 years when I allowed the debt to slip towards default, as advised here as it happens. I haven't made…
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Debt letter for Shop direct(carval) but it's not on my credit file.
Can anybody help me with this please? So I keep receiving letters from ACI saying they've been asked to collect a debt on behalf of Capquest. It states the debt is for £699.73! I don't know what this is for or when I'm supposed to have racked up this debt. It says it was originally from Shop Direct (carval) I know they are…
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Adverse credit mortgage application
I entered a DMP in June 2020 with £25000 debt. Never missed a scheduled payment. Although it will fall off of my credit file next year, payments are predicted to last another 5 years. Between us, my partner (no adverse credit) have been saving for a deposit for a mortgage. We have saved roughly 20% but won't be applying…
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Product transfer query
Hello all just a quick query on whether I can be refused a product transfer if I have a default on an (unsecured) loan with the same bank? Mortgage with Barclays and original defaulted loan (in a payment plan) with Tesco Bank which was subsequently bought over by Barclays. Will they check the status of the unsecured loan…
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Most recent: NST November 2025: NOWvember by apple_muncher
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