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DCA taking over default
Hi guys, just a quick query please. I have 6 defaults, all now show the DCA on my credit report, apart from one which is Tesco Bank. I currently pay Westcot and thought it had been sold to them. If the default still shows on my credit report as Tesco Bank, does this mean they may not have sold it to them and that Westcot…
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What to do with my accounts
I’m looking for advice, I have 3 defaults that are recent and I have set up a monthly payment with who they sold my accounts too, my question is I also have another credit card which I have been paying off which isn’t behind and up to date. My credit score is 429 is it worth continuing paying ones not in default to boost…
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Defaults or DMP or both?
Hello, I see here that people are advocating defaulting on loan repayments before or instead of setting up a DMP, could anybody please explain this to me? We’re looking at applying for a DMP and have not defaulted on anything thus far. Thanks for support and advice
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Solicitor dealing with my debt has gone into liquidation, can I get money back I've already paid?
I only found out by accident when solicitor stopped responding and I checked with the Solicitor Regulation Authority they they had closed, since found out they have gone into liquidation. I had a contract with them and agreed to pay monthly for fees where they would act on my behalf to try and get some reduction or write…
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Lcs and EVRI scam
I was recently scammed. First LCS started sending me emails about a property and company i had no connection to, saying that I owed money to them. I disputed these emails saying I have no connection to any of the above. Then I got a text message from a mobile number claiming to be "EVRI" saying that I wasn't in and to…
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PRA Group chasing old debt
Hi there, I received a letter last year from PRA Group chasing two old debts that defaulted around 2014. I sent them the Statute Barred 'Prove it' email, to which they responded that after investigation, they could see a payment was made on 4th October 2016 for some amount. I've asked them to provide proof of this, but…
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Full and final settlement options.
Hi I am currently paying into a debt management plan through step change. I started off with around 32K of debt, I pay around £1000 per month, so I have around 16k left to pay. My question is about full and final settlement I have raised the question on debt camel, but i’ve not yet had a response and I was just wondering…
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CCA Response, unenforceable?
Hi could somebody cast their eye over the attached and verify this means it's unenforceable? As we can see they cannot find the CCA, for now at least, but do not want to use the correct wording in an attempt to get me to pay (Not that I object to paying, I borrowed the money but it's not a priority debt at the moment!). Am…
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First Default no letter
Hi all, Began my journey a few months back, checked my credit score to see that my first account was defaulted on 31/10/24 after missing only 2 payments. I'm yet to receive anything from the company or official default notice in the mail. Do I continue to wait? Or do I need to contact the company as it's been nearly 2…
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Debt Management Plan Advice, and paying off one debt included in plan
Hi All, I've been in a debt management plan for a bit over 3 years (maybe it's been 4). This debt management plan is with GW Financial Solutions. I'm perfectly happy with them, and haven’t had a problem with them. However, I didn't realise that other companies offer DMPs without charging an admin fee. I believe that Step…
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New to DMP
This discussion was created from comments split from: DMP mutual support thread part 13 !!.
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In a mess - need to take action before it becomes unfixable.
Hi Everyone, Long time lurker here. In a nutshell, my wife and I are in a terrible mess. We are a couple that earn a 'decent 'joint income of about 120K per year. We should be living a good life and yet we are deeply in debt due to total disorganization and stupidity. We have both buried our head in the sand and have…
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CCA response from PRA Group
This discussion was created from comments split from: DMP mutual support thread part 13 !!.
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Consolidating credit cards with poor credir
Hi, I have £12,000 worth of debt on credit cards. I pay around £700 a month to cover the payments. The interest is high on the repayments. If I were to consolidate the debt to reduce the amount of interest I currently pay across several cards I’d be able to pay off the debt much quicker. I am struggling to cover my usual…
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Debt sold to third party - wrong amount
Hi all, Ive been on a self managed DMP for a couple of years now. I recently sent round a revised I&E due to a change in circumstances and one of my creditors, Creation Finance, informed me that they had sold my o/s debt onto LINK in their email reply (coincidentally, LINK had already bought one of my other debts and had…
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Default Date Wrong but
Hi everyone, So, back in 2019 I took out 2 mobile phones with Sky Mobile, I had TV with them also. Now our Child sadly passed two weeks after her 18th unprepared for the costs of this etc I basically had to raise £5k and this meant bills stopped getting paid, the last payment was in April 2019 for the mobile, after a…
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First phone call from creditor
Hi Decided to do my own dmp with the advice off here, stopped making payments a couple of weeks ago to my debts. Just received my first phone call from Marks and Spencer credit card, assuming they are wondering why I've not paid this month's bill. I didn't answer, I could do with a stiff drink to get me through all this.…
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Lowell Conundrum
Hi all, I'm on a DMP through Stepchange & have been since 2019, two of the debts on that DMP were through Creation (Loan & Credit card), which were sold on to Lowell in March 2020. The loan had a default date of 3/20 but the credit card never had a default listed on it despite being sold on to Lowell - I In 2022 I sought…
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Lowell Letter
Good afternoon all, I've recently had a text off Lowell saying they want to contact me, calling up but giving them not even my name the lady couldn't tell me what they wanted to talk about (obviously.) I just wanted to know what Lowells was. fast forward to 3 days ago, I've received a letter (to my new address that I've…
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My DMP journey has begun
After weeks of worry, I have done it - stopped all payments to start my DMP. I don't feel calm as such, but I feel I have more of a plan. I'm scared about creditors visiting my property, being hounded, doing this all by myself and not using a debt management company, but I know I can come back here for advice. My basic…
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