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FOS Upheld Complaint now Zopa are removing my Default
Hi All, The FOS upheld my affordability complaint against Zopa and they've now written to say: "Zopa will no longer report the loan agreement to the Credit Reference Agencies, and we will remove the loan from your credit file, including any previous negative impact, including the default registered on 2 January 2026." Does…
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Defaults dropping off and statue barred
Hello, It’s been a long time since I’ve been on the forum. Back in 2020 I defaulted on all my debts and started a self managed DMP. Fast forward nearly 6 years (where has the time gone?!!) and my defaults are starting to drop off my credit report. Over the past 6 years I have been making small token payments to all my…
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affordability complaint questions
I have just stopped paying this month. Do I need to wait for the accounts to default or should I get on with it before that? Thx
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PastDue Credit Solutions - chasing for HMRC payment
Received a letter (8 days after it was supposedly "sent") from Pastdue saying I owed their client, HMRC, £4,3xx.24. I have not received any communication direct from HMRC for this amount. I paid HMRC £5,1xx.84 in March and £100 in April. Should I not have received another communication from HMRC rather than this letter…
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I have just got back a CCA. payment history
They have said 'any temporary unenforceability no longer applies.' They have sent the payment history which starts from July 2017- June 2026. But July 2017 payment says GAP PAYMENT and they have stamped the CCA with 'received for and on behalf of the issuer 20/09/2011' So it looks like there is almost a six year period…
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Requesting debt write-offs on medical grounds?
Good evening, Both Citizens Advice and some on this forum have suggested I may be eligible for debt write-offs due to my health circumstances. I have a combination of physical mobility issues and mental health problems. I was made redundant in late 2024 and have been unable to work since because of my health. I currently…
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Stepchange
Hi all, finally facing the music of £38k debt, having min payments of £950 a month before all house bills and only having £30 left over a month. The cycle of using my credit cards, then them going over limit is crippling me. Can’t get any 0% interest cards. I’ve filled out Stepchanges form yesterday online, what’s the next…
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Spiralling debt help
hi. I’m in around 40k of debt with 2 loans (16k total) and the rest on cards. Combination of made redundant a while back. Never missed payments. Have a mortgage and second charge. Mortgages total approx £560k and house is worth between 660-700k. Earn a salary of 65k and have children. I can’t carry on and am scared I won’t…
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Debt Help
Me and my wife (both in our mid 30’s) have around £36,000 of debt, accumulated over the past few years due to unforeseen circumstances. We have entered into a DMP and have been paying consistently for a year now. I am concerned about my employment due to the nature of the regulated business and need to disclose this but am…
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Santander Loan and Overdraft
Hi, just looking for advise. All of my debts have now defaulted and I have set up payments plans on standing orders. The only one that hasn't is a Santander loan and credit card, they have passed the debt to Moorcroft who have contacted me and I have ignored to it gets defaulted. They have now turned up at my door this…
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Cabot still bothering me
Letters, texts and phone calls and threaten of agent calling constantly on accounts they cannot provide CCAs for . I have written to them via post as well as emailed very clearly and to the point that they should only contact me via hard copy letter through post , and to remove my phone number , stating until CCAs provided…
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DMP vs non DMP advice??
Hi everyone, I'm looking for some advice and people's thoughts on my current DMP with Payplan and if there may be more appropriate options based on my current plan and the context of my progress (explained below). I will try and explain the situation best I can (but can add any other helpful information in replies should…
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Bank loans and CCA’s
I have 2 defaulted loans, 1 is a Barclays loan and the other is a barclaycard masterloan. Am I right in thinking that you can’t request a CCA for loans?
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Debt Help
Evening all, Was looking for some advice on my current situation… I had 14 different credit/lenders which have since been sold to 6 recovery companies (Lowell, PRA group etc.) I had previously let them get to missed payments on the basis of eventually letting them all default which has happened since October/November 2025.…
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Help as Lowell are not giving me proof as requested
Hi All! My first post and it’s taken quite the journey for me to get here. I have successfully set up a DMP with StepChange and believed I had added in all valid and enforceable debts and breathed a sigh of relief. But now that feeling of dread is coming back due to communication with Lowell. I have successfully challenged…
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Creation Finance - setup DD without permission
Hey all, Looking for a bit of advice here. I’m currently on a DMP with StepChange, one of the creditors is Creation Finance. So at the point of setting up the DMP, I opened a new bank account and now use that as my main account for salary and DD payments etc. I’ve just discovered that Creation Finance have setup a direct…
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Prove It Letter when you know the debt is an error?
Hi all, I moved out of my last home in March 2025, where Scottish Power was my energy supplier. I closed my account, and everything seemed fine. Yet, for some reason i've got a £65 debt attached to my name, and now my credit file shows a missed payment and, hence, default. I contacted Scottish Power; they said they believe…
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PRA Barclaycard
Hi all, I have a Barclaycard debt which was sold to PRA after default (default date around April 2024). I have requested CCA from PRA multiple times and haven't received. They have emailed the generic stuff a few times about make payment, offer on account etc. They have now emailed saying action must be taken, and on this…
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Where to start!
high debt in a DMP £45k , also have about £15k in other debt not added to DMP , any advise as to how to get extra income , I work full time , and sell what i can when i can
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Odd credit card activity...!
Hello, I've not been on this site for a while, a bit busy. Suddenly I find I'm swamped with issues. An odd email alerts me to a CC debt, though I've never had the particular card. There has been no posted communication, no phone calls or letters, bills etc. In other words, they only have this email address. No other…
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