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Ex refusing to return car on finance
I was an abusive relationship and during that time I stupidly got car finance out for him. I didn’t for a second think I would be accepted for a £24000 finance seeing as I had just gotten car finance for myself a month beforehand. Why would they accept an unemployed mother two finances??? it’s not their fault I know that…
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Partial Settlement
Hi, Hope some can help. A friend made a settlement offer of £400 for an outstanding debt of £500 off a Barclaycard that had been passes on to Allied International Credit December 2023 They sent a letter stating they would accept the offer & mark the credit file would be marked as a partial settlement. . This is not showing…
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Overdales seeking debt from 2017
So long story short, in 2017 I had a mobile contract with BT, I used to travel a lot and BT claimed I once used my phone during one of these trips. Which I did not as I always swap sim cards on the plane. After refusing to pay the bill I left it at that. The last 6 years I have been out the UK and since returning last Sept…
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Moved: Tilly Tidy in 2025
This discussion has been moved.
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Debt
Hi looking for advice, I have stopped paying the debts on my credit cards and loans and im awaiting them to default on my account ive had a email today with a notice of sum of arrears attatched and they have said they will send to a debt collection agency they have left a email for me to email them .. ive checked my credit…
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Help with starting a DMP
This discussion was created from comments split from: DMP mutual support thread part 13 !!.
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DMP ADVISE
Hi , I am currently on a DMP. My partner lives with me but is on a very low Income so he contributes £500 a month to the bills. He is in debt also and after seeing my relief after arranging a DMP he is thinking this may be a good idea for him to do. All the bills are in my name so when doing his Incoming/outgoing can he…
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So my debt free journey has truly began.....
Hi all, I hope you're all well. After taking advice on here around 3 months ago, I decided to allow my debts to default as I could no longer afford to pay. It's looking like my creditors are now defaulting my accounts which is great I suppose although I'm now receiving text messages from "Wescot" asking me to get in touch…
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Arrangement to pay - Scottish Power
Morning, Earlier last year I spoke to Scottish Power as we were in about £1k of energy debt - issues with meter readings, direct debits etc ( long story). They were actually helpful and said that we could pay it back over time - they set up a payment plan and all was good. Last night I checked my credit file and noticed…
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random email anyone have a clue about this?
this email came through i think its fake as i have no known debts in arrees anyone else had this? To:YouFri 08/11/2024 13:05You replied on Fri 08/11/2024 16:55FINAL NOTICE BEFORE LEGAL ACTION Dear, me We have made various attempts to contact you and given you many opportunities to respond us regarding your debt owed.…
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DMP Problem
Hi, New to the forum, so bare with. I’ve been on a DMP for a few years not and I am about 75% done with it. However, I’ve made a really stupid mistake a few weeks ago. My parents are retired and they’ve asked me for a loan which they weren’t eligible for due to being retired I presume. They’d pay me back monthly and that…
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Newbie, please help? (SOA inc)
Hello everyone, I want to take control of my finances and sort myself out. I am currently in quite a bit of debt and unable to pay my monthly minimum payments. I have been lurking on the forum for a few weeks and have decided to stop payments this month on my *unsecured* debts (credit cards/loans/store card) so I can wait…
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HELP
Hi, Please excuse me as I’m completely out of my comfort zone, but I’m not not sleeping due to the worry of building debt. 😥 I have a credit card that is currently at 4,000 and my interest alone is over £100 a month, I can barely afford to pay over £100 but I make sure I do to avoid any further charges etc, this means I’m…
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Eon Next Default and Duplicate Account on Credit File
I’ve been checking my credit file and Eon Next have registered a default against my file for an overdue electricity account at my previous address. I have Eon Next my new address when I moved, and gave them the final meter reading and they issued a final bill, all of which I have email evidence of. However, the default on…
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0% debt management
I took a loan for 6k 18 months ago at 7.5%. I now owe 3k, if I settle. The question is Can I pay the 3k with a credit card and then transfer to a 0% CC, which has a 3% fee? Or is there a clause stopping regular debt being paid for with CC? If I'm correct and I continue to pay the same monthly fee (approx 185) then I should…
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Help gratefully received!
Hi all, first time poster as have rather buried heads in sand up until this point. Due to a variety of circumstances we find ourselves with a pretty huge debt and wondered your collective thoughts on the best approach. Have considered a DMP but worried about the long term impacts this may have, although appreciate this…
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CCA requests results
With step change since 2010 - learnt about CCAs recently so sent off for these - results are back for most . All debt been sold to other companies over the years 3 accounts from Link - unable to comply with request within 12 day time frame - although account unenforceable outstanding balance remains collectible 1 account…
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Is 25 the Right Age to Buy Term Insurance? Seeking Advice!
Hi everyone, I’m 25 years old and recently started thinking about buying a term insurance plan. I’ve heard it’s a good idea to secure coverage early when premiums are lower, but I’m unsure if now is the right time for me. I’m looking for a term plan that offers comprehensive coverage, preferably with critical illness…
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Debt - ashamed and disgusted
It's taken me a long time time to get to where i am today, to try and unstick my head from in the sand. I have decades of poor decisions, frivolous pending, poor budgeting, life problems and everything else in between. A lot problems stem from when i was married with (3) young children; we had a fairly big mortgage,…
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To consolidate credit cards?
I need some advice on debt consolidation. Please read our circumstances to see if it is appropriate. Debt amount £19k -13k CC £665 minimum per month -6k on two other cards £380 minimum 0% periods have ended and I am not eligible for any others to balance transfer due to high credit utilisation Take home: -I earn a 1.5k as…
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Most recent: Busting this debt before 40 by Chocolatefund
31 July at 10:43PM
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