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Default date query
Afternoon - just a quick one on any experience with default dates. Should the default date be reflected on my credit report as the date of the default notice? Or can there be a bit of a delay with reporting these to the credit bureaus? I was calculating my “default free rate” as 6 years from the date of the default notice…
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I earn a good wage but im always broke?!
Thanks for clicking on my thread! I apologise in advance if absolutly none of this makes sense, im dyslexic, havent got a clue about money or how to write this sort of stuff out esspeically when i switch off when the word money is involved! So strap in, its gonna be a bumpy ride... Any advice or critisim is more than…
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DCA chasing an old ccj
Ok, so many moons ago, I lost my job, catalog debt took a back seat as I always prioritise the roof over my head, and this resulted in a ccj for around £1500. The creditor got a form k restriction on my house which I’m fine with because I know generally that they cannot force sale, etc as the house is jointly owned. The…
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Link financial CCA request
Hi Thanks to this forum I went self managed on my DMP that was previously with Stepchange for 8 years and sent off CCA requests 2 weeks ago. Today I've received a response from one with Link Financial, they have returned the postal order and the letter just says they can confirm they no longer require a fee for the section…
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Talktalk bill boguth by JC International Acquisition LLC
I have had a bill bought by JC IA.LLC, which went straight to your account, has been passed on to our legal team. However, I have the original TalkTalk Agreement number and account number. The situation is they've made an offer of £127.30 or two months at £65. the problem I have is when I changed over from TalkTalk, my £20…
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Paypal passed debt to Wescot - address wrong
So, apparently, Paypal have passed this debt on but I have had no communication from them about this, just this attachment in an email from Wescot. I should add it's not a paypal credit debt but a negative balance on my main paypal account. Interestingly, Wescot have put the wrong house number on the letter. Should I…
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Latest Prove It Letter?
Does anyone know where I can find the latest version of the prove it letter? I understand it has changed at some point but I cannot find the latest version. Thank you
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Yet another Statute Barred question
I've just received a letter from a company representing capquest/HBOS for a debt that can only be from sometime pre2007. I have never contacted them in this time. Am I safe sending a national debtline statute barred tempplate letter to tell them to not contact me again? I don't want to trigger a communication that might…
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MBNA CCA validity check
Hi guys, I requested the CCA for my MBNA account which Is currently with Cabot. I have received this today and was just wondering if someone could help me with the information I am looking to check please? It does have my name and address on it along with the date. In terms of credit limit it says this will be on your…
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Lowell - Vodaphone debt - Never had a Vodaphone account
My mum (Aged 65) has received a letter today from Lowell saying they have bought 'her' debt from Vodaphone. She has never had a Vodaphone account and these kind of things worry her. So i am getting involved. Thank you to those who have posted in the past and i did follow the link to the contact form which i have completed.…
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Persistent phone calls from PRA Group
Hi DFW's, New forum user here. I've had a long and tumultuous relationship with credit/debt.Long story short - PRA keep calling me to chase a £800ish debt from around 2012. I was paying them £1 per month (standing order had been set up) until early 2023 but called to tell them my circumstances had changed (accumulated £20k…
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Charging Order from 2009
Hello We are in the process of trying to sell our house. When I say trying, we actually had an offer that we accepted back in November 2024. The issue now is that our solicitor doing the conveyencing says the only thing holding everything up is 3 charging orders that I had back in 2009. They have managed to connect with…
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Unmanageable debt - starting a DMP
I’ve been lurking on these boards, I hadn’t realised my debt had spiralled so much. I was shifting debt between cards and I’m all out of 0% offers. I’ve done the SoA and cried. And now it’s time to sort it. it’s a combination of things that have led here, including gambling, which are being addressed. It’s my own sole…
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Default Notice Letter Received
As the title states I have today received a letter from Lendable with a default notice with the usual demand for full payment, which is all well and good however this account was defaulted to credit reference agencies back in January 2023, why would they only be sending this now? They can't renew the default, is this just…
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Which debt first? - help
I have the following debt and looking for advice. I’m due to inherit £7k which I want to use to towards my debt. My aim to reduce my monthly outgoings on the debt by September as I’m due to remortgage in October so having more each month will be better I think for my mortgage application. I need advice as not sure how to…
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Moved: Monument Bank App not working
This discussion has been moved.
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Will default automatically lead to current account closure?
I have two separate loans with HSBC: loan 1 : £17,480 (34 months remaining and pays £514 per month) loan 2: £4,577 (12 months remaining and pays £351 per month). I also have a HSBC Advance current bank which I transfer £100 monthly for daily purchases but my salary doesn’t go through HSBC. The current account has £1.5K…
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£25,000 in debt
Hello after a terrible year last year, with my partner caring for an elderly relative and not earning as much. I have found myself in debt, credit cards £17’000, £2000 overdraft, and a personal loan I’m paying off. You seem to get over one thing and then something else happens. Cost of living has affected us with 2…
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Paying repossessed car debt
Looking for advice for my son whose car was repossessed after he fell into arrears with car finance. They have now instructed a solicitor and are chasing him for £20,000 which he hasn’t got. He needs to sort out some sort of repayment plan by the end of this week and is worried sick. He says he has been told by Citizens…
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