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Updraft sold account to Perch capital but never issued default notice or default
Hi, wonder if anyone can shed some light on a development in one of my lenders that I’ve been trying to get a default on. I stopped paying 2 Updraft accounts my regular monthly payments back in March (on advice from the forums on how to manage my debts that I can no longer pay). After a few months of hassle from Updraft…
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Pay off morg, or keep saving?
Got 3yr left, around £25'000 left, coming to end of a fixed which was low % had brief look, it would go up by about £40/month if remortgaged. No CC or other debt, apart from PCP car, savings would cover paying off, and leave around 10K, could then start saving again to boost back up. Plan to work for another 3-5yr at…
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LSCDR Debt Collectors Chasing Me For £75 From EDF But Is This Even My Debt?
Hey, so I bought a flat earlier this year and there was just over a month between me buying and actually moving in. In my previous flat I was with Scottish Power and wanted to continue with them in my new place but they couldn't switch the gas and electricy over from the place I was moving out of to the new place until the…
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An on to the next complaint....
Hi Everyone, I am still chipping away at the complaints for my Brother's debts. For those of you who have not seen my previous posts - my brother is heavily in debt and has suffered a massive breakdown and mental health issues. He is on the mend but I have been helping to unpick it all and have now had 3 irresponsible…
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Old charge order restrictions -Help needed urgently
Hi got 2 restrictions registered against me and the hubby from 2009 . We are selling and sale is due to complete in 2 weeks. We have 2 so called final charge orders with mortimer clark/reston solicitor and they have said these have to be paid once the house is sold. My Solicitor has already contacted the companies to…
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Default in wrong name
Hi All, just a quick question in the hope someone can help. I've defaulted last year with two Santander credit cards with £5k balances each. The debts have been sold on to ARC Europe who are currently pursuing the debt. However, they are chasing for debt which is in the incorrect surname. It's very similar to my surname…
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Unexpected inheritance… what should I do about these debts?
Hi! I unfortunately have around £10,000 debt that I’ve been burying my head in the sand about for a few years.. - £1195 Old Santander overdraft, which has been passed to Cabot and they're chasing me up - recently sent an Orbit agent to ‘get me in touch with them’ though I wasn’t in just got a slip through the letterbox. I…
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PRA Group -CCA outcome and offer
Hi there I originally posted on this forum nearly a year ago and I’m at the stage where most of debt (if not all) have been defaulted sold onto PRA , Lowell, Cabot l, Link.. I have sent 3 CCA letters : two of which went to Lowell for two separate debt accounts and the last letter went to PRA. My debt from Barclaycard of…
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Full and Final Offer- Cap Quest
Hello, I made a partial offer for settlement that was accepted by Cap Quest. They sent me an email with the following paragraph: The outstanding balance will show as zero on your credit file and you will not be pursued for any remainder of the balance by Capquest or any other third party. Can I be confident in making this…
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How to use parent's DMHEF to protect health & keep home that already has Lifetime Mortgage?
Hi everyone & thanks in advance for any advice you can offer on this one : ) My parent is in their mid-70s and has £26k in unsecured credit card debt across nine accounts. They are two months into a StepChange Debt Management Plan (DMP) with payments of £55 a month, which is a struggle to afford. Two years ago, my other…
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Help me with getting debt free :-)
Hi everyone, Please see below my SOA. Can anyone see any parts where we can make a saving. We are a family of 5. Children aged 17,15 and 12. We have 4 pets. Dog, 2 cats and a Leopard Gecko. Holiday's is correct, we are not planning on going on holiday's until debts are paid. The children have A levels and GCSEs this year…
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Lowell, prove it letter reply.
I have recently had some letters from Lowell about a credit card I possibly had in 2018, I don't really remember as I was quite ill at the time and also my mum was at death door in hospital, I sent the prove it letter and they have responded. There is a line that says ' due to the age of the account and data retention, we…
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Cabot Financial
This discussion was created from comments split from: Cabot Financial- prove it sent help with their reply.
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Best Strategy for DMP start date
Hi, I have read a lot of the threads so far and believe I have the best idea for strategy. Between my OH and myself we have £109k unsecured debt (11 credit cards, 3 overdrafts, 2 personal loans and some smaller credit lines from retailers) Yes its a massive hole and have been managing to keep head above water but for the…
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Quick question about CCA agreement
Hi all I wrote about this time last year in total despair about my credit card debt. To anyone going through it, it gets better believe me. I have five separate creditors. All have defaulted and I am making payments to three of them via collection companies. One of my creditors is TSB Bank. I have gone through exactly the…
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Time between default and ccj
hi everyone hope you’re well so I’m in the dreaded period of ignoring all my creditors and waiting for defaults. I had a few questions for anyone who might be able to put my mind at ease im in about 28k of cc debt loan and PayPal credit and an old Lowell account ive been reading this forum through and through and can’t…
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Council Tax Debt Collection
First timer tho I’ve been on the newsletter for years. My mums facing some frustration. Many years ago her and her ex owned a property which due to financial issues, during a nasty breakup, started facing repossession from the bank. My mum moved out and started renting elsewhere. The ex started subletting the rooms a few…
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Cabot Financial
I need advice for a member of my family please. They received a letter saying Cabot Financial had taken them to court, and if debt not paid by 22/8/25 they will send the bailiffs. My family member rung the court this morning , she explained that she had not received any letters etc, she is unwell as she has cancer. Anyway…
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Self- Management DMP- Help
we've decided to self manage our own DMP Plan. my main question is, what do each bank (credit card or loan) ask from us once we say we can only afford X amount each month. Is it 3 months bank statements? wage slips? or is it just an email/phone call back and too? any tips on what to say/do. And the letting all the accounts…
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£15k debt, no income until May - best course of action to take here?
Hi there Owing to some stupid overspending when I was in my early-mid twenties, and then constantly dipping into other sources of finance to avoid sticking to a budget, I've now found myself in £15,179.09 worth of debt, split between credit cards, overdraft, a PayPal Credit account and a couple of nasty payday loans:…
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