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What small things will you do this week? W/C 8th September
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 cancelling 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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Desperately need debt help
Firstly I am new to forums and think I accidentally posted this in the wrong place! I will try again… I would really appreciate some advice on how to get out of the massive debt I’ve got myself in. I am meeting minimum payments each month and have no missed payments. However my minimums are ridiculously high and my monthly…
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12 year old MBNA Debt
Hi. I was really careless with money and got into difficulty with an MBNA credit card. My limit was £3000 which in my opinion was paid three times over. Last interaction with MBNA was approximately 12 years ago when debt was sold to PRA Group who over the years failed to provide any paperwork. I received letter from PRA…
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Default notice advice please.
This discussion was created from comments split from: Waiting for defaults.
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Does a guarantor transfer when a debt is sold?
My daughter recently completed her first year at Uni where she stayed at a halls, and I had to co sign her contract as guarantor. She met her boyfriend who lives and works locally soon into the course and when she finished year1 they decided to flat share together in year 2, and they went staright ahead and rented from…
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Notice of Default or Default Notice
Hi, all. My name is Shem and I am on the begining of my DMP journey.The time came for me to ask for help. My question is: Is this letter from Zopa (below) an official letter informing me about defaulting my account or just another letter before they will do it?It looks official and has this line about Consumer Credit Act…
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Lendable Debt Payment
Hi All, I currently owe £3400ish to Lendable. I probably made quite a few mistakes with my approach with them. The original agreement was £110 but due to circumstances I wasn't able to maintain that past the first few months. I've been paying them £36.66 per month for the past 4 or so years with no interest as agreed by…
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Soft seaches by Lendable, not instigated by me.
Good morning to you all, I had two accounts with Lendable. They were both defaulted
in March 2025. I have heard nothing since from Lendable, other than emails
each month asking me to reinstate my DD, which I believe are computer generated. Credit Karma has just notified me of some ‘soft searches’ on my
credit file. Upon…
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Link threat of legal action
Hi, I would really appreciate some advice. I was in a DMP from 2012 to 2020, I wrote to all creditors in 2020 asking for the CCA, none of them could produce. Some accepted F&F, some didn't. Of those that didn't I've either heard no more, or had the odd text/email/letter letting me know the debt is still outstanding. Link…
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Best response to Cabot Financial when they say they are unable to provide me with the CCA?
Hi, hope everyone is having a good Friday so far. I am 6 years into a DMP, (managed by PayPlan). My defaulted accounts from 2019 and early 2020 are gradually starting to drop off my credit files now, so things are finally starting to look positive again (and I have paid off almost £38k of debt). I will be in a position to…
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Letter regarding a home visit
I had a loan from over 10 years which is statute barred, Ive made no payment, no had any contact for well over 6 years. Its not on my credit file, no CCJs, I thought it was the end of it. Its been passed to a new debt collectors ACI, who after a few letters have now said they are going to send a company called Verify to…
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Which Debt to Default on
Hello, I have 4 credit debts totalling £12k, 3 loans £18k. So I was
made redundant earlier on the year and been behind the payments and recently
secured a 6 month temp role on a much lesser pay. The current arrears and minimum payment is equivalent to my
monthly pay minus the basic expense like food, travel,…
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Help with link financial. Just 6 wks left till statute barred
Hi, I desperately need some advice. I recently received a letter from link financial saying I have 14 days to respond before my account is passed to Kearns solicitors. I have 5 days left to respond. I’m not entirely sure about the debt they’re referring to - I don’t recognise the amount and the only card I ever had with…
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PO Boxes
Hi all, what are the disadvantages (if any) of having a PO Box registered as your address with regards to receiving letters from collection agencies?
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Ophelos Debt Collectors
My son had problems with HSBC about 10 years ago. However recently he's been receiving texts from Ophelos asking for him to get in touch re an outstanding debt. There is no debt it was all sorted a long time ago and my son hasn't banked with HSBC for a long time. The contact they give is https://connect.ophelos.com I know…
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Advice for no debt solution
Hi I posted in the wrong thread but just looking for some advice about a debt solution and guided over here I completed a DRO application with money wellness but the advisor didn’t submit it as he said my salary sacrifice car lease would make it unsuitable due to the cost. The cost is £579 but actual cost to take home is…
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How do I get my ex husband to pay off these debts
I just got a divorce me and my ex spilt last year in July, the divorce came through all good! I am now finding I have all the debts in my name which I can afford to pay off but it will take at least 9 months for 1 debt with Eon and about 10 months with EE. Yes the debts are in my name so I understand that there is a…
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Access To Credit ; DMP
I've researched several threads on this board and have a quick question, hopefully some of the helpful posters will know the answer. Multiple times I have read that anyone entering a DMP will immediately lose access to credit. The reason for building up an emergency fund. Presumably that is due to their destroyed credit…
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BW legal , Threating to taking me to court
So, BW has sent me a notice to pay British gas bill of 1700 that I didn't use. I never was British gas customer before February this year. I lived in a room for a two three months that was above a shop. I used to pay 200 pound a month that included the rent and energy bills as well and I shared the room with another…
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CCA Reconstituted Agreement enforceability
Hi long time lurker who has gained a huge amount of knowledge from the bored. I’ve searched the forum and can’t find a conclusive answer to this so felt I had to reach out. I’m in a self managed DMP. PRA Group bought my Barclay card debt. I sent them a CCA request flowing which they sent me a year’s worth of statements and…
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Most recent: Payment a Day - Chapter 2025 by angelicious
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