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Can't get creditor to answer my letters
Hi all, Slightly different scenario here ( I think…). I have a DMP with StepChange. One of my creditors is Santander for a FlexiLoan. SC wrote to me last September to say that the payment they made to Santander had been rejected as Santander's receiving account details had changed and I needed to contact them (Santander)…
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PayPal credit card affecting other PayPal use?
I’m at the beginning of my journey… currently missing all the payments on my debts for the first time ever. One of my credit cards is with PayPal and they’ve been very active about chasing payment (which is about 2 weeks late) with lots of phone calls, which I’ve been ignoring and blocking. But it occurred to me, is…
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Irresponsible lending
I've started a self managed DMP and awaiting my first defaults…I've put in irresponsible lending complaints to FOS and all have come back negative mostly saying that although wages were not checked adequate checks were made via my credit score and as I had always managed my accounts well, so my question is can I do…
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Overdales CCJ issued advice
I’m looking for some advice regarding a situation with Overdales that’s now escalated to a CCJ. The original debt was around £1,800. I made an initial offer to settle at £900 (which I felt was reasonable given my circumstances). They came back with a counteroffer of 70%, but they refused to negotiate beyond that point.…
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Received first default notice
Received my first default notice though the post for a Zopa loan. It says lender for this agreement is Plata Finance ltd (formerly Zopa ltd) which is news to me. No mention of Plata in credit agreement. Do I need to do anything at this stage? It’s given me a deadline of beginning of May to pay arrears (which obviously I…
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Advice sought on my situation
This discussion was created from comments split from: DMP mutual support thread part 13 !!.
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Super scared about my debt options
Hello, First time posting, have been reading these forums late into the night to try and work out what I’m going to do. I have about 38,000 worth of debt which has been accumulating for about 10 years. I’ve never missed a payment on my 1 loan and 4 credit cards but because I can’t access any more credit, I am paying large…
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DMP own ran- settlement advice
hi all lowell have sent me a few letters now to say they have given me a 2k discount so only need to pay 1k to write it off Should I do this or keep paying my payements? Says something about if pay early can affect credit score more? Thanks in advance
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Stuck in unsellable shared ownership flat with rising service charges and debt – can’t see a way out
Hi everyone, I would be really grateful for any advice or perspectives, as I feel quite alone dealing with this and am struggling to see a way forward. I earn a relatively good income (circa £80k per year in central london) and historically had no debt. However, since around 2020 things have gone wrong. Following a period…
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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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Debt Management Plan and Creditor Payments
Hi all. I’m about to enter a DMP with Step Change who are amazing by the way. Long story short is that I had to take early retirement due to a health condition and this has led to some financial difficulties. My question is about payment offers to my creditors. There is one creditor who is being offered significantly more…
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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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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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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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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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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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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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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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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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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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