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Still Waiting for Default letters. Should I ignore NCO?
I’ve missed payments the last 2-3 months for all credit cards and loans with the view to defaulting. I have been receiving letters about missed payment and £12 late fee being charged. I haven’t not answered any phone calls. I have not received any Default Notice from any of my creditors yet and I am still waiting for that.…
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Prioritising Creditors
I am currently paying 21 creditors £1 each per month, they are all debt collection agencies. Today Mortimer Clarke Solicitors have refused my offer of £1 per month saying: "Our client has considered this proposal very carefully and, in view of the outstanding balance and your outgoings, is not prepared to accept the offer…
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How to deal with DCA's with no income?
Hi all. After taking some advice from the kind people on here a number of months ago, I took the decision to allow my existing debts to default. This was the only option available to me at the time and was all I could do to keep my head above water to ensure the mortgage was paid along with all the other priority bills.…
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Start of self managed DMP
Hi!! Having read a lot of posts and comments I’m about to start a self managed DMP. Would probably be easier to go with one of the providers like stepchange but I want the freedom to make decisions and changes along the journey. A bit concerned with the calls and letters and the stress added to it that I know will come…
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Suspicious Email
I received an email from a gmail account in the name of the person who is indicating they represent a company called FCML debt recovery implying I owe a debt to FCML. I have googled the company and cannot find anything at all online. I am just wondering if this is new scam as I cannot find anything online about it and the…
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Unusually fast default notice?
I only missed payments for the first time in February, previously up to date on two NatWest loans and two credit cards. I entered Breathing Space, which runs until 18/03/2025. I am due to start my DMP with StepChange on 1st April for first direct debit and they’ve let my creditors know. Today, I’ve received a default…
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Moved: Removal of charge on property due to lenders death(Scotland)
This discussion has been moved.
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Merged: Santander took back debt possibly?
This discussion has been merged.
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Drafty line of credit
Hi. I have a drafty line of credit. Interest has racked up. Monthly payments high. Any tips to ask them for management plan and freeze charges
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CCA
Hi all, My Next account defaulted last year as part of my self managed DMP. Next in house collections took over and then another company which I think was Ardent Credit. I asked Ardent to supply CCA, they could not. Since then I have been contacted by Advantis who say they are working for Next. They produced a CCA which I…
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Lowells Debt
I have an old credit card with Lloyds Bank, passed to one debt collection agency after another. My last payment was on 20th November 2018 so it isn't statue barred. I've gone through the whole process of verifying that they have the evidence to take me to court if they need to. It is enforceable. The debt is for £2051.83.…
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Self Managed after 3 years with SC questions
Hi all, Have been with Sc for 3 years, now have 24k from 42k and 13 creditors from 13. Have recently asked for CCAs from all creditors and have so far received 3 of 13 bank. What I was wanting to do was to put SC on hold fro 1 month while awayiignthe ccas and just pay the ones who have given the ccas back and then save the…
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PayPal asking for list of creditors
Hello 👋 I’m in the process of setting up my own DMP, got a few defaults now and setting up payment plans generally seems ok so far without too much hassle. I am being asked for lots of information though by PayPal, I’ve provided them with my budget sheet and offered them a fair share of my remaining budget after expenses.…
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Help an overthinker out.
So I have buried my head in the sand for far far too long. Got in way over my head consolidating debt over and over and I've finally hit the point where I'm buying groceries on my credit card to survive . I currently owe 47k in debt. I've looked into loads of different options but I think a DMP is the most suitable.…
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Self manage v SC
I’d be grateful for advice please 🙏 I started my DMP with StepChange with first payment this month of just under £300. I stopped paying all my debts in February. I have struggled a bit this month, whilst I’ve stuck to my general budget I had a pre DMP booked long weekend away that I hadn’t saved for as my usual plan would…
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Debt management plan help
I am currently on a debt management plan with step change but stupidly I've taken out extra credit, what is the best thing to do? Start again with another company or just call and ask if these can be added on? Is it even possible to add more debts to the existing plan, new debt total just over 3000 i feel so ashamed…
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Self managed debt management plan
Hi all, just after some advice on a self managed DMP. What are the first steps and can any share any positive stories about them? Thanks!
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In over my head
Hi all, I have been over my head for a while and have been burying my head further and further into the sand. The reason for my debts are years of consolidation, on top of a house move where we had to pay for 2 homes for 3 months (long story) and then essentially getting carried away and living a lifestyle we cannot…
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No cca hope?
Hi all, I accidentally.put this in the diary thread, which I can edit but not delete so applg8es if duplicated. I have recently submitted 4 x cca requests to link. Do you think this reply for all 4 means they might not find them? Or is it a standard link response that they send as don't get them in the requested working…
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CCA help please
Hi there, My husband and I are on a dmp with stepchange which was at 42k and is now at 24k. I'm wanting to write off for cca requests, 5 in my name and 4 on his but have some questions please. I have one at approx £6k with hsbc repayment services from 2018 - do I write to hsbc directly or hsbc repayment services? Is.it too…
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