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£57k debt - Stepchange or self?
Hello, I (29M) am finally resolving my debts after years of letting it get worse, I found myself trying not to miss payments and so took out further money which got me into this hole. (Not missed any payments on anything) I have 4 loans, 3 credit cards and 3 overdrafts and I am looking at a DMP with Stepchange, I can…
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DMP Starting Advice First Default Zopa
I'm in the first stages of self managing my own DMP. I owe to Zopa Nouvuna HSBC Bounce Back Loan Very Aqua credit card - Passed to wescott to support collections but not yet defaulted Original amount to Zopa 25000 but due spiralling debt I can no longer afford the £568 per month payments. I've had this letter from Zopa, I…
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6 months missed payments, no correspondence since June. Moocroft contacted- HSBC Debt
I started missing payments in January 2025, and between February and June I was getting loads of letters from creditors—mostly warning that my accounts would be defaulted unless I paid in full by certain dates. But since mid-June, things have gone strangely quiet. I’ve been checking my credit reports across different…
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Credit card default
Hello, advise please for my daughter, she is married they own their home, she changed banks accounts and the DD for her credit card defaulted without her realising, she has the money to pay so it is not that she dosent, she got a letter which first bought to her attention, she acted quickly contacted the card company to…
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Questions about a DMP and £50k in debt
Hi everyone, over the last couple of weeks I've been focussing a lot on getting our debt in order as our outgoings on paying of credit cards is unsustainable now that I've realised we're going about £230 over every month and using credit to pay for food etc. We have around £48000 across 5 credit cards, a £500 overdraft and…
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Debtors lawyer offered to file complaint against bank they were representing?
I finally plucked the courage to call and reply the letter before action... I emailed and was sent an email with the file to fill and send. Today I called. They refused my offer of £50 per month, stating it would take to long to clear the 25k debt, my hope was that they would accept and I could overpay when possible, and…
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Please god help, 60k in debt and feeling suicidal
I have the following debts MBNA CC- 9286 MBNA Loan - 9193 Barclaycard CC -14,094.50 Natwest CC - 19,719 Virgin CC - 4811 Very - 2750 I have used up breathing space of 60 days with all of them apart from Virgin & Very who i am managing to pay £50pm each to & have not gone into bad credit with them yet The rest are in the 2…
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Old unenforceable debt sold to resolve
Hello, not too sure what to do here so hoping for some advice. I defaulted on a Virgin CC in 2020 and went onto a DMP with Stepchange, the debt was passed to Arrow Global/Capquest and in Sept 2021 I sent them a CCA request which they were unable to fulfil so I stopped paying via Stepchange in Dec 2021 and i didn't…
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Opos letter of non existent debt
My wife has just received a letter from opos saying she owes money to capquest debt collection via shop direct. We sent a prove it letter to capquest in may and have now received one from opos. First question are they allowed to do this as we already sent a prove it letter to capquest Second what happens if we get no reply…
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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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Link Financial - what to do!
I've had a letter through from Link who I usually only hear form with a statement yearly trying to establish contact and advising that I can expect ResolveCall next week f they don't hear from me. (which is a worry obviously) I WAS about to send them an offer letter for a final settlement and then I remembered to check…
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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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Capquest/AGG - on a fishing expedition...
Hi all, first time in this part of the forum, but had success seeing off a PPC last year. Anyhow... Opened a suspicious letter from an unknown address and was expecting it to be PPC PCN - but lo & behold it was a letter (actually two) which seemed to be from Capquest saying they had now assumed a debt from AGG. Neither of…
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Cabot and Lowell
I would really appreciate some advice as I don’t know the best way
to go about this. I have 3 debts I’d like to pay off. 1. HSBC loan from 2009. Went to Myling Europe (?) in 2014. With
Cabot now. £8515 2. HSBC credit card from 2009. Went to Myling Europe (?) in 2014.
With Cabot now. £1617 3. HSBC (loan or card?) from…
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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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