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CCJ over six years old and not fully paid, where do I stand now
Had a CCJ against me from Lowell for an old unpaid overdraft from Nationwide, the debt is from 2011 when I was not doing well at all and got into a big mess with money, ended up being mostly charges being added all the time, then Lowell got hold of it. I argued for ages with them over it and back in 2018 they got a CCJ…
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Help with DMP
Hi! I just need some advice from someone who has had a DMP. I am in debt for the first time in my life and it has became unmanageable. At present I have about £16k of debt across two credit cards and one loan. My partner is not aware of the mess I have got myself in, and I know a lot of people will say I should be upfront…
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CCJ Statements - Are they a thing? And if so, are they an actual requirement?
Hi All, long time, no post from me :p I've been struggling to get info on something now for a while. Lots of Googling and trawling the MSE forums hasn't really thrown much of use up to me. The situation for some insight is that a friend is paying a CCJ to a local Council. They've been paying £100pm since August 2019 and…
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Terrified and need advice on debt
Sorry this is a bit of a long one but have got myself stuck and in a situation where I'm filled with panic and don't know what to do. I'm 44 and have spent my whole life being very careful not to get into debt as it really scares me. I grew up in and out of care and in various unstable situations and saw people struggling…
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Action is the antidote to Anxiety...
...at least that is what I am hoping. I am going round and round (and round!) in circles and getting nowhere. I have just stumbled on this form and thought I would post to see if anyone has any bright ideas (which will be gratefully received). 46 yo self-employed mum of two, married but deal with all finances separately to…
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CCJ/Court wrong information on debt issue
Hi, I'm hoping I'm in the right place here. I had a loan with Barclays Bank years ago which I defaulted on. It was sold on to various companies and last year I received communication from one saying they were taking me to court to issue a CCJ. I received paperwork from the court to my previous address and the information…
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feel overwhelmed
i feel totally overwhelmed i'm in a recent dmp this stresses me but I could'nt see any other way out need dental work doing which i have to pay private for as my nhs dentist is refusing i think i want to apply for a better job but worry about the dmp i feel like I'll be in debt forever sorry just looking for some support…
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Please can someone check my plan?
Hi all, I have completed my SOA, reviewed the last 12 months spending & set a new budget going forward. DMP is the only next step for me. I have paid up this month, and plan to cancel DDs before next payments come out. I am planning on stopping payment to my Lloyds CC which now has £7800 on, at 34.9% APR. Costs me £300+…
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Moved: Should I get another 0% transfer bank card?
This discussion has been moved.
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Statute Barred Chasers
I have received chasers from Opos & Capquest for debt from 2005 (date of last payments). I sent them the statute barred template and am now being contacted by email (don't know how they got my email address) I have no CCJ's and an excellent credit score. Will they just give up if I continually ignore them
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Is my account defaulted confusion! Self managed DMP
I’m starting a self managed DMP and waiting for defaults. Amex has been the first to move and I’ve received a notice of default last month and now a final demand and notice of termination. I have also been contacted by NCO debt collection agency. I thought this is now my trigger to start payments but I’ve noticed that the…
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I just can't see an end to this - any advice welcome
I owe HMRC around £17k. I say around because I can't bring myself to look at the latest figure. I am not going to try and justify this with a load of b'crap excuses. I mucked up and now my mental health is so bad I see the only way out as suicide but I have 3 children and they are the ONLY reason I haven't done it yet. I…
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Credit style limited
I have account on credit style limited for a debt from Green Network Energy. Which I had been paying back through a standing order from November 2020 of £10 per week. Only problem is that the account has long been paid off and was completely unaware. I contacted Credit Style regarding any balance and this was there…
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Help please for DMP.
This is my first post and looking for some help for myself and my husband. My husband has OCD and ADHD and has had these diagnosis in the last few months, this has really helped us understand a lot of his spending behaviours. We have built up debts on credit cards, payed off with loans and then started again to the point…
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Car repossession shortfall
Hi, I’m a newbie here so I’m sorry if this is wrong thread/details. I will be happy to go and read another thread about my issue. My car has been repossessed back in October as I fell behind with payments. Agreed with the finance company they will collect the vehicle which they did. What I am struggling is that vehicle was…
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Advice needed - Defaulted on loan, have not heard back
I defaulted on a personal loan that I took for a family member's medical bill as they were without insurance. Was confident that I'd be able to pay it back but I've lost a good job over a year ago and have been taking odd jobs here and there that can barely cover household expenses. I fallen into arrears for 6 months…
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Full and Final Settlement Options
Hello all, I’m hoping someone can offer some advice. My husband and I have some old debts that we are paying via stepchange. All are over 6 years old, so defaults have dropped off credit files and our credit ratings are now both good. All of the debts have been sold on from original creditors, some of them more than once.…
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What Debt help would people recommend?
I'm just wondering if people have dealt with either?
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Merged: IVA or DMP
This discussion has been merged.
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DMP & Renting/Mortgage
Good afternoon everybody, Trying to get some answers if possible. 1. - I'm on a DMP can i open a joint bank account with my partner (not on dmp) so we have a main account for paying household bills, house savimgs etc. or will my DMP want acess to this and see it as i have more money, due to my partner putting money in…
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