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First default? Who should I pay?
Hi to all, I think that the attached snippet from a letter received from Newday (Pulse)
Credit Card is my first default? There are no defaults showing just yet on the credit reference agencies. The letter which was actually via their website suggests that I make contact in
order to arrange a payment schedule. I’m not sure…
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Debt, avoidance and accountability - hopefully?
Good morning lovely people, So, I am here to try and get myself together. I have some credit card debt, I have just read a comment on another thread that struck a cord with me and its been my light bulb moment..... "if you treat it as a low priority debt it will always be seen as low priority debt to you" My credit card…
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Stepchange Debt Management Plan
Hi, I have recently decided to sort my life out after managing to rack up £31k worth of debt through loans and store card and credit cards. I have signed up with Stepchange and the recommended me to take out a DMP. I have also applied for a 60 day breathing space while my DMP is being set up. And I have cancelled the…
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Full and finals
Hi, I am moving soon. I''m on a DMP with PayPlan but I have secured a mortgage with Haysto. I am going to pay off my DMP with the proceeds. Will I be able to offer reduced settlements as I have been in a DMP for 2.5 years?
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Debts all on one card or more smaller balance ones ?
As the title really. Is it worth having one card with all your debts on, or more smaller balance ones ? ( everything 0%) or do you think it is just personal choice? I have a couple smaller that I could move to one with a larger limit - understand the transfer fee. Don't know which is better mentally.
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Newbie DMP Scared!
Hi Newbie, hoping for some reassurance! After a couple of years of spending almost all my income servicing my debts, I have finally accepted I will need to enter into a debt management plan and I'm really scared I've never been in debt before, and now I'm drawing in it! The main things I was hoping someone could answer is…
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CCA Request sent - When should I stop payments?
Hello all, I hope everyone is well. I am on a DMP for 3 creditors since January 2020, the details are as followed according to my credit check and my DMP: 1) Current company Intrum UK: Account start date: 05/05/2019 Opening balance: £15359 Date of default: 20/07/2021 Default balance: £15359 According to my DMP, estimated…
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Letter threatening home visit to ‘establish my residency’?
Hi, currently dealing with various creditors having let debts slip into defaul this letter has come from My Community Bank..(Town and Country legal services) and relates to a loan any advice on how to approach, seems to be way of spooking me a bit as there is nothing they can do by visiting, should i even talk to them.…
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Debt free wannabe
No, I would definitely not help him. It will happen again and again. Get out whilst you can.
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Advice on CCA now debts have been sold
Hello - you lovely people on this Forum have been helping me with some useful advice since earlier this year with my debt problem (£80k over 6 credit cards). I stopped paying the cards as I could not afford to do this and pay my rent/living expenses as well, and have subsequently ignored all the calls and letters from the…
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Newbie with some potential bankruptcy questions
Hello all, My partner has alot of debt and we have tried numerous times to get help and support with obtaining bankruptcy. I believe it is around £40,000 and this was all done prior to us meeting over 5 years ago. He cant be registered at an address, so cant get a local doctor, and his mental health is now suffering as a…
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Stupid error payment to nco
I have a payment plan with nco for £20 a month to repay old credit card debt. balance is approx £229. Yesterday I stupidly in a rush made my monthly payment but instead of paying £20 I paid the full balance as it didn’t go through the first time I tried again and it had reverted back to pay full balance which I never…
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Barclaycard / PRA
Hi, I can see from reading through other threads that this is a well worn topic, but can’t see anything that quite covers my situation, which is… Had a Barclaycard for several years - was paying it off not using it, as originally it was a zero percent used to do a balance transfer. But when overall finances went south I…
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Council tax help
Hi, My brother has found himself homeless and he wants me to register him on my council tax. I know his business went bankrupt but I’m worried about him being registered with me and the harm it will do my credit score plus any future partners I have and if I have children. I want to help him but I don’t want to mess up my…
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Unfair Country Court Judgement. Advice please
Could anyone advice me how to go about this please? I am a doctor and was employed ads a locum in an NHS hospital. About 2 months to the end of my contract( July 2021) the NHS hospital sent me a letter saying I have been overpaid by £2950.00. I called the finance department to discuss this. I then told them that I have…
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Quickest way to get balances to 0
Best and quickest way to get the below to 0? Here is my list - n/a means there is no promo rate, it's in order of balance Thank you
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Debt Advice - Credit Cards
I have various credit cards - some are 0% and some aren't. We're looking to move house next year and following calculators for mortgage borrowing, it seems some lenders may still lend - however, due to the number of credit cards (known as credit lines) the number of different credit lines I have may impact ability to get…
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Multiple credit cards
I have multiple cards and the 0% is slowly expiring. As cards start to charge interest, what's the best way to prioritise? Thank you
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DMP advice with defaulted account?
I have a large amount of debt and not enough coming in to make the minimum payments. This will not improve over the next few months. I have done an incoming/outcoming expenditure with CAB, and they said I have £500.01 left to be able to pay any debts. This is less than what my usual minimum payments are. I called my bank &…
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PRA Group CCA Request
So I did a CCA request for my two largest debts which have been sold to PRA Group. Halifax (10K) & Barclaycard (15K). They replied within 30 days with reconsituted agreements so both seem to be enforcable. My only query is on the barclaycard one; Instead of putting my full name, they put the initials of my first and middle…
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