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Is this CCJ - should I pay or ignore ?
Hi all, need urgent advice. Claimant: Euro Car Parks Limited Solicitors: DCB Legal Ltd Amount: £295.84 Judgment date: 19 March 2026 Entered: in default Timeline: Received parking charge ~2 years ago Appealed → rejected DCB Legal chased repeatedly, I ignored believing the charge was wrong Never responded to the court claim…
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No debt, but repeated calls from Cabot Financial
I've been totally debt-free for 5 years, no mortgage, all cards and loans legitimately paid off. For as long as I can remember, I've been getting calls from (I think) Cabot Financial - it's a recorded message, and the speaker who recorded it was a mumbler, so it's not totally clear. The number is blocked, but somehow or…
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Some DMP questions...
I'm considering entering into a DMP as debt payments are becoming a struggle due to personal circumstances leading to a reduction in my working hours/pay. I've spent days reading threads on here (really appreciate everyone sharing their knowledge and experiences) and have contacted Stepchange and feel it's the right thing…
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48k unsecured debts & lost my job.
I borrowed the money and spent it online gambling over the last 3 years. My wife owns the marital home before we married and I have no beneficial interest as I did not pay towards it. I have mental health issues & take medication for them (ASD & PTSD) which lead me to gamble as a coping mechanism. I claim PIP enhanced and…
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Getting ready to do the Lowell dance on a 5 year old default, what should I prepare for?
Hello all! Long time reader, first time poster. I defaulted on a PayPal credit account in July 2021, for £1600 (ish). Life took a turn for the absolute worst, and I didn't have the bandwith to advocate for myself, so I made the poor choice of just sticking my head in the sand. The account defaulted, all letters from PayPal…
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Balance transfer help
Sorry if this sounds like a stupid question i’m looking to do a balance to give me more time to pay and clear my debts . I’ve received an offer from one of my cards of a 5.9% per annum over 30 months with 0% fee what does this mean? Does this mean I can transfer the debt pay nothing to transfer it but if I don’t clear the…
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Scared to take the next steps!
Hi, We have significant debts and stopped paying credit cards in June last year. Most have defaulted now, we're waiting for one still. Some have been sold to PRA and Lowell. Others are being handled by Moorcroft and AIC. We have worked out that we can pay £200 p/m across all debts, which isn't a lot given the amount of…
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FO Upheld Complaint But What Now Regarding Default?
Hi everyone, Good news that the FO upheld my affordability complaint! However they have suggested I set up an affordable payment plan with Plend. This isn't ideal because the FO has said Plend should remove any adverse markers once the debt is cleared which will likely be a long way off as owe £10,000. I was hoping for a…
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Serious debt
got myself in to a mess, have about 70k across 7 credit cards, 1 loan and 2 payday loan and overdraft. Got a mortgage with the same company that does one of my credit cards. Now behind with payments on most. Not sure what to do or where to start, we have equity in house but can’t get a remortgage due to missed payments.…
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Emergency fund question
I’m just starting to build up an emergency fund after starting on the DMP route and whilst waiting for defaults. Two questions Should I concentrate on building up an emergency fund before I start saving towards settlements? Or is it better to do both simultaneously? Is it worth saving up to pay off eg Barclaycard or FD cc…
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Affordability Complaints - Advice Please
Hi, I am looking for some advice please. I have had credit cards for around the last 10 years and I also had a HSBC overdraft before that, that I didn’t ask for. I have never missed a payment but I have constantly opened new credit cards and moved balances to 0% cards in order to keep afloat. I had around £25,000 worth of…
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Working towards reducing credit card debt advice
I will prefix this with I am unsure if I should be posting here or CC forum - please could it be moved if deemed to be in the wrong place? :) We have a bit of a stress-on as we are in a bit of a hole debt wise, not helped by my wife currently being on statutory maternity pay, us having welcomed a baby last summer (I also…
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Old debt
Please can someone help me with some advise. I recieved a letter from Resolvecall saying that I owed a shopdirect £240. The letter stated if they had no response within 7 days someone would call at my house. I sent them an email stating that I have absolutely no idea what this is for. They have sent me an email back…
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High Court Writ Help
Hello, I've got myself into a bit of a mess. I am currently unemployed, unable to work due to health issues & commitments to my 2 young children, with another on the way and would like to get this sorted before my third is born. My debts are approx £80k and I have a high court writ for one, of which I am receiving messages…
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Need help getting out of debt cycle!!!
Hi, I'm new here so apologies if this isn't the right section to post this and thank you to all the knowledgeable and helpfull people that contribute to this forum :) . Over the years I have accumulated this debt and I have just borrowed and borrowed to cover the monthly payments and it's caught up wiyh me and can no…
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Link Financial Full and final Settlement Offer Advice
Happy bank holiday Monday everyone, I have a debt with Link Financial which I have ignored for about 4 years. Before I contact them, can I check if anyone has had any recent success with Link Financial regarding a full and final settlement as I would like to see if its worth going down this route with them. Thank you
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ccj wrong date and not fallen off credit file.
After attending a court hearing at Southampton County Court on the 22 February 2024 I had a ccj set aside with the consent of the claimant as the paperwork was sent to the wrong address the year before. “The judgement against the defendant shall be set aside pursuant to CPR13.2.” (Document #1). Since then, Overdales have…
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LCS
We are receiving letters from LCS over an EON debt from 2023. We sold the property in question in the early 2000s, the letters are addressed to my partner. I have sent two prove it letters (the last by recorded mail) but have today received a notice of litigation. What's the best course of action... ignore them? Just…
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Default and DMP advise
Hi all, After a bit of advise please, I have x2 cc (Halifax and MBNA, total approx £24k) that I have stopped paying (last payments made were in Nov24 MBNA and Dec24 Halifax) I have today received a letter from Halifax stating that I have 14days to make payment of the outstanding minimum payment due otherwise they may end…
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Lowell email address
Hi, does anyone have an email address for Lowell? I just want to inform them that I’ve said up a monthly standing order but there doesn’t seem to be a way to confirm the payment plan online unless it’s by direct Debit and don’t want to call them. Thanks
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