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Wescot contacting partner
Hello, A credit card of mine has unfortunately been passed to Wescot collections. They have sent me texts and emails, which I have responded to. This week they also sent two texts to my partner’s phone. My partner isn’t on the account; the credit card is solely mine. I don’t know how they have got my partner’s number. They…
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What small DFW things will you do this w/c 10/02
When we start on the DFW trail we do loads of "big stuff" that makes quite a difference to our situation. These include having our lightbulb moment, cutting up the credit cards, and canceling Sky and the gym. But once we have done the bigger stuff, we often feel that we are not making the same amount of progress, when in…
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What small DFW things will you do this w/c 17/02?
When we start on the DFW trail we do loads of "big stuff" that makes quite a difference to our situation. These include having our lightbulb moment, cutting up the credit cards, and canceling Sky and the gym. But once we have done the bigger stuff, we often feel that we are not making the same amount of progress, when in…
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Merged: Hi I have some impulse control issues and struggle to read
This discussion has been merged.
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Student Loan never going to end
A bit of advice would be great on a situation my son is in. He took out a student loan in 2012 and moved away to university for 1.5 years and this totalled around 19k. Unfortunately he did not pass his degree and had to move back home. Over the years dependant on his job he has paid a fraction back and over the last 1.5…
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Advice needed on full and final settlement offer please
I have been paying off 3 credit card debts, all of whom had
been sold to debt collection companies, all accounts had defaulted before being
sold on. One of the DC companies has sent me a full and final settlement offer for
50% of what I owe them. Whilst I appreciate this is a decent offer, I would
have to ask a family…
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Old Debt
Hi We are being chased for debts over 8 years old. We were initially contacted about one that is recent and were then told about at least 2 others, both of which are over 10 years old!!! We are happy to make an arrangement for the recent one (only a couple hundred pounds) but not the old ones. Can these be enforced? Thanks
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Capquest letter
My wife has just received a letter from capquest saying they have taken over her debt from another company etc etc. And now all monies should be paid to them, this letter is saying money she ows natwest, but in the 20+ yrs we've been together she hasn't banked with natwest, and they are making an offer if paid before Feb…
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Debt solutions
Hello, i’m hoping someone with a bit more knowledge can offer some advice. I have recently found out that my partner (long term, two children and a mortgage together) is in much more debt than i was aware of. I knew of some credit cards but wasn’t aware of the balances, and i knew of a loan but didn’t realise how much it…
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Lowell for debt default date 31/3/20, what next?
Hi, I need advice please. I have one debt, a credit card originally with Aqua. Credit Karma says default date 31/3/20. I had spoken to them in 2019 about struggling to pay and my anxiety, and I didn't hear anything at first, then it was sent to MoorGroup in Autumn 2019. I told them about the anxiety and looking into a DRO,…
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Capquest help
Hi! I got myself into some trouble when I was young and have been paying off my debts through capquest and wescot ever since. I have lived in North America since 2017 and recently had an issue accessing my UK bank account and my capquest fell into arrears. I went to log in to my capquest account today as I finally sorted…
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How to contact banks for no phonecalls
Hello, I am sure many people asked this before, but what is the best way of telling the banks (when waiting to default) to stop contacting me on my phone, and just by post? Do I email them, or old fashioned letter? Thank you :-)
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DMP F&F Discussions
Good afternoon, I have a DMP managed by Payplan which still has 2.5 years left to run. I've still got around £5,500 left to pay but will be shortly gifted around £2,500 which I want to use to pay off my debts. Payplan have said they have a dedicated team that can negotiate this for me but I'm wondering if I would be better…
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Can a debt be statute barred with a Form K Restriction?
I have an old creditor that has come out of the woodwork demanding payment after years of no contact. I have looked into the debt and I believe the creditor (a debt buying company) has a Form K Restriction on my jointly owned property (the debt is in my name only). What I’m trying to establish is whether the debt can still…
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Advice on the "You Pay, We Pay" Scheme
Hi everyone, I’m currently in around £6,000 of debt that has built up over the past few years. I recently heard about the You Pay, We Pay scheme and was wondering if anyone who has used it could share their experience and advice on how to apply. I understand that British Gas assesses your disposable income before approving…
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Think I've just made a massive mistake - advice please
Hi everyone, Just had a sinking feeling that I've made a big mistake. We are on a self managed DMP, all but one of the debts has been sold on. We are paying £5 a month to all our creditors and keeping them updated with income and expenditure and all going smoothly with no issues. The only debt that has stayed with the…
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Feeling frozen
I called business debt line before Christmas because I decided I finally need to sort my debts out. I’ve been in debt for most of my adult life starting out with a clothing store credit card when I was 18 followed by a loan for a car and so on. I now have a ridiculous amount of debt. Halifax credit card 8k Tesco bank…
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I think we are ready
Hello, I have been doing lots of reading across the threads and now feel like I have alot of information and ready to take the leap into sorting our debt. Back story- me and my parter live in a housing association house, have 2 teenage children (1 adult child who does not live at home now). Our debts spiralled and kept on…
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Accumulating debt whilst going through diagnosis.
Hi everybody, I hope you are all well. In 2016, I annihilated my credit score whilst in the process of being diagnosed with lifelong conditions. Obviously, my life has now changed dramatically, and my only income is benefits. Does anybody have similar experiences or knowledge of this financial difficulty? I've researched,…
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CCA Request Response
Hi All, i have been using these threads taking advice about CCA requests with my Debt. After some research i contacted my Debt companies requesting CCAs. PRA group came back with a standard response of '' Your account is on hold until we look into the matter'' Moorcroft have sent the below response, which is very different…
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