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Day one of my debt free journey
Hi everyone, I hope I'm posting this in the right place, I'm a forum newbie! Today marks day one of my journey to getting my finances back on track. After a couple of years where expenses and spending just seem to keep rising I've decided this is the year I will break the back of my debt. Since having my second child a…
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Decree/debt help
Hi, looking for advice. I have not paid my debts in 5 months due to health reasons being out of work. I have defaulted on every credit line. I have had issues with gambling and don’t know if i will be accepted for a DMP(DAS) in Scotland. Can anyone help and how long before I get court action taken against me?
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Lowell chasing me after 9 years!
Dear All, For the last 9 years I have been living and working abroad teaching and now I have returned and have settled back in the UK after my adventure. About a month ago I received a letter and an email from Lowell debt collection, stating that I owed them 800GBP for a credit card debt that was that with Vanquis Bank…
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Debt Advice Needed
Good Evening All, I am looking for some advice as I have got myself into a bit of a mess. So following divorce a few years ago, I found myself getting an addiction to gambling and its basically consumed my life for the last year and has got me into debt in the process. I have decided enough is enough and I need to stop, I…
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DMP, maxing credit and full and final offer
I have been reading through all the DMP posts and I see someone asked should they max all their credit before starting their DMP so they have a large emergency fund and can make full and final offers? Is this a route anyone takes? How early in could you make full and final offers? If you have a little lump sum available…
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CCA requests....... finally
Hello everyone, been a long time follower of the forum but this is my first post. Been reading for years the advice about CCA requests so after many years I've finally got round to doing it. I got seriously into debt about 20 years ago but it all came to a head in 2010 when I had a serious RTA and could no longer work so I…
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E.ON applied for a consent order to set aside a CCJ, then basically retracted it
I haven't been on the forums for year but I need some assistance to know who to ask for help. In June 2022 I received a CCJ from E.ON for £455 which I discovered in June 2023. I contacted E.ON who basically didn't help until I raised an issue with the ombudsman in 2024. E.ON agreed to apply via consent order for a set…
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Moving mortgage to credit card debt
Hi, I appreciate the heading on the face of it sounds like a bad idea…..however…I’ve been thinking long and hard about this. My background, I’ve been clearing debt to the tune of in excess 80k over the last 6 years and doing a decent job of it. The debt is a long story but suffice to say, lightbulb moment and never looked…
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Opos Limited harassment
There was a random letter to me sent to a family member’s address a couple of months ago, from Capquest saying they had passed a debt of £130 to Opos. I have sent several Prove It letters. There is absolutely no way I owe this because I haven’t used ANY credit, except credit cards paid off in full monthly, for at least…
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Received a letter from creditor
Hi I am in the early stages of starting my own DMP, stopped all payments last month. I have received a letter from my M and S credit card this morning basically saying my account is in arrears and to pay asap and they will add a £12 late charge, no mention of default. Will a letter saying I have defaulted be obvious, what…
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Finnish Friend - Debt
I am trying to help my Finnish friend out of their debt as they have gotten into a sticky situation. They were automatically declared bankrupt at €8500 around 6 years ago, because they couldn't pay the interest anymore, and all that happened was the debt locked at 11percent interest. Now it is at around 17.5k. Any advice…
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Is there anything I can do about this debt? - time limits/enforceability
I am currently paying a small token payment monthly to Link Financial for a debt that would have been incurred over 20 years ago now. To be honest I can't even remember what it's for. The remaining balance is several thousand pounds. Due to life circumstances I will never be able to repay the full amount or settle for an…
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Solutions to £11k Debt Problem
Hi everybody, I'm trying to help a family member with their debt issues atm. They are currently sat on an £11k debt consisting of: * £4k car loan at 6.9% * £2.3k Credit card debt 1 at 31% * £3.7k Credit card debt 2 at 26.9% * £1k Credit card debt 3 at 29% As you can see, the interest rates being charged are pretty crazy…
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Claim form received - CCJ incoming Kearne Solicitors
hi wondering if anyone can help i have received a claim form from Civil National Business Centre, it all seems legit. the particulars are saying its from a CCA from 2012 and defaulted in 2014 the agreement was passed to a DC agency intrum UK, its for £3141 and now has court fee costs and representative costs of £285 on…
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Advice with defaults
Hi, back in 2019 I was off work with an injury and defaulted on 3 credit cards. These will be off my history October 25 and January 26 and February 26. October 25- balance £3800 , pay £45 per month January 26-balance £7200, pay £76 per month. February 26- balance £8100, pay £82 per month. what happens when these fall off…
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Email from CRS debt collection agency
All, About 6 weeks ago I started receiving emails from a company called CRS ( a debt collection agency) about an amount they were trying to recover from a company called Intrum UK Limited (another debt collection agency I understand). The number of emails I get is increasing. I have not responded to any of them or clinked…
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Debt advice please
Embarrassed of my situation and expecting hate but I’m not done this on purpose and have good intentions to be better but life has happened… former bankruptcy in 2018 came off this year. However in the last 6 years I’ve fallen back into the trap of having credit and embarrassed to say my debt total again is around £14,000…
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Mental health break - giving advise to a friend
Im currently helping a friend sort out their debts and need a but of an update/refresh. I have advised him to speak to a debt charity but he wont. He is struggling with his mental health and is due to enter grief councilsing in the new year. He is also concidering medication to help (it was suggested at a recent MH review…
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Help
I am in about £16000 worth of debt (loans and overdrafts) I make a decent wage but I’m struggling to pay more than the minimum payments on everything. I have poor credit rating so don’t know what to do. I would like to be making just 1 payment a month but don’t think I’d get accepted for anything. My mortgage is also up…
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£1 CCA Request
Hi there, I’ve recently sent a total of 6 CCA request letters each containing £1 postal orders. Lowell x 3, Cabot x 2 and Wescot x 1 I’ve just received the following email from Lowell’s regarding 1 account : - Just to confirm that on 27/12/2024 we received your payment of £1.00 on your Lloyds Banking Group PLC account with…
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Most recent: Struggling along as best I can by nannygladys
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