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car finance arrears - help!!
Hey, dont know if anyone can help me please. I have an Audi q2 which I have fallen behind on payments with vwfs - ive missed a total of 10 payments from since march last year due to changes in circumstances. Ive had the car since feb 2022 and contract ends march 2026 Im currently working with step change to get my debts…
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Paid overdue service charge - where do I stand with debt agency?
Hi all, I'm really rubbish at these sorts of things so would be really grateful for any advice. I have a small flat managed by a company who changed their approach to billing around six months ago. Previously, all service charges etc were taken from the rent paid by tenants, but there was a shift so that landlords had to…
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Opos Debt Collector HELP
Hi today my husband has recieved a letter from Opos stating they are trying to contact him on behalf of a company called Capquest for a Royal Bank of Scotland ( loan) its for £10,592.72. weve never heard from them people before or capquest, my husband was in debt when i met him 20 years ago but had a flat and gave that…
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M&S loan sold to Wescot
Due to burying my head in the sand about loan repayments after losing my job I have missed 3 loan payments. I have received a letter from M&S about this debt being transferred to Wescot, and now I have had their first letter. They are wanting full repayment of £1,800, which I cannot afford straight away. How do I approach…
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High salary, high equity, high historic debt
Would you be able to help me provide some advice for a friend. They have found themselves in a tricky situation which I think should be relatively easy to get out of but unsure of what the best options for them are. Situation is 1) high salary of £70k a year 2) Three Mortgages on a house that totals £80k but the house is…
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Moriarty Law/Lantern 30 day notice
Hi I have been waiting for my debts to default so that I can look at putting a self managed DMP together. One of my debts, which was 118Money was sold to Lantern, who have now instructed Moriarty Law to start proceedings. I have received what looks to be a letter before claim with a reply form I have to return in 30 days.…
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Credit card default and mortgage
Asking here for a friend, but I think she's just burying her head in the sand and refusing to consider how to get out of her massive CC debt. She says if she defaults the CC companies will contact her mortgage provider and as she's on a slightly dodgy deal (she moved into her BTL flat a few years ago but still has a BTL…
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Advice on sending a prove it letter?
Hi guys I’m about to send a prove it letter to Resolvecall as I’ve received a letter stating an agent will visit my home if I don’t pay an old unsecured debt. I havent had any contact with Intrum who have passed on the debt or the original creditor. The debt goes back to 2017/18 so I don’t know for sure whether the statute…
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LCS debt company
Just wanted peoples advise please; I’ve received several letters from LCS debt about an old mobile contract with ID mobile from April 2023 £249.80 (it is my debt I believe) So few things; I should never have been allowed a mobile on contract as my credit is literally 0. I have Bipolar Disorder and when manic get myself in…
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idem Servicing - Ex partner's debt
I have a friend and their ex-partner, of around 15 years ago, went bankrupt around 8 years ago and then he (my friend) started being chased by idem Servicing for payment of a loan (in the ex-partner's name but my friend was the guarantor) and a joint account. He was told by idem that he owed the money now and he simply…
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I struggle to read, but want to run my own DMP
Hi I have several disabilities that make combined make focusing for long periods difficult I was wondering if I can default on some unsecured debt and not all of it and then set up a DMP with the creditors I defaulted on. Largely because my bank just took over Tesco’s loans and I have a pretty affordable one with them, £99…
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PRA Group Harassing
Hi All, After some advice, if you don't mind. I have an old debt that I believe to be statute barred. The original creditor was Quick Quid but I understand they actually dissolved and the debt is not showing anywhere on my credit files with QQ or with PRA. However, I believe the debt is from 2015 and no payments were made.…
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Secured and Unsecured Debt
I want to sense check and idea I've had, to see if it's a really bad one or not. I worked freelance to service unsecured debts and didn't put money away for tax, I spent it all on those debts instead. Now I've got a big HMRC bill I can't pay. I've got a full set of defaults that I'm paying token payments to, and everything…
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Council tax issue
This discussion was created from comments split from: Can Council seize your house over failure to pay Council tax?.
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Debt Statute Barred but.....
Hi, I have a debt with Link, the debt came off my credit file on Dec 2024, since then link have been sending me threatening letters, I replied with Statute Barred letter, they replied I made a payment back in Oct 2022. Now this payment i know is £1 and was for a CCA request, and was paid by a postal order, when i requested…
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Paypal Credit Default
Hi, I'm new to this forum and I don't know if this has been discussed before but I had a PayPal credit account that I defaulted on back in January, I think, but I haven't received anything since to say that my debt has been sold to anyone, admittedly I generally don't answer phone calls from numbers I don't know so I may…
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Moved: CDER GROUP Bailiff Action
This discussion has been moved.
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Can Council seize your house over failure to pay Council tax?
Hi all. In the worst case scenario, can the Council seize your home to settle your council tax debts/arrears? Even if it means them making you and your family homeless? Absolutely shocking if true.
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Conundrum
Hello folks, I was down to my last 2 debts, and was able to pay one with a 75% discount with a well-known dca. It was roughly £600 and due to be statute barred in 2027, but I had previously admitted to it. The same company have my final debt also, which is due to be statute barred next July ‘26. I have not admitted to this…
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DMP check list and sanity check
Hi everyone. I have spent many hours going through old posts, reading testimonies and doing my research and first of all just want to say how good the information in here is and how much I appreciate everyone’s input so thank you. To my question/s. From my understanding the steps are basically: statement of affairs (done)…
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