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PRA Group- Barclaycard debt
Hi My husband had a debt with Barclaycard for £13k that was sold to PRA Group in March 2020. He has been paying PRA via direct debit £20 per month, he was for a while before B/card sold the debt to PRA paying £20. He didn’t have to change direct debit details or anything, this just continued once PRA took the debt on. My…
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Not so new newbie
Good afternoon! I've been a member of the forums for a long time, but have continued to fail to maintain any type of money saving. My wife and I are extremely proficient at running up dates, we both struggle with impulse buying, we find it hard to stay to routine and plan ahead, and we are easily overwhelmed by choice and…
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SOA questions
hello I am trying to complete an SOA to inform next steps and just have some queries if anybody can help. My partner is joint owner of the property however we have been living separately for over two years due to a severe mental health crisis and during that time (and ongoing) I am paying the mortgage and all bills in our…
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CCA request and interest
Hi I am currently on a DMP and looking at sending some CCA requests to my creditors, if any of them come back saying the debt is unenforceable and I stop paying are they likely to start charging interest again? My worry is if the agreements turn up in the future I don’t want to have a load more interest/charges to pay, if…
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Age 50, in debt, aspergers, bad investments.
I have for the past decade been struggling massively, post divorce with metal health and emotional struggles (although very rarely to never visited the GP, as much of the time my children were young and I was simply terrified of any knock on effects). However to cut to the chase I've increasingly made some terrible…
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Lowell debt close to being statute barred HELP!
Hi, So I need some advice because we all know how stressful dealing with lowells can be! I'll try and make this short.... I took out a loan with Lloyds bank a long time ago but made my last payment on 17th Dec 2018 (so very close to now being statute barred) Following a relationship breakdown and a mental breakdown I…
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Help DMP not DRO or IVA-should this be in benefits?
63 year old lady Please don’t judge me being on benefits since my health massively deteriorated over past 5 yrs plus and work issues etc Debt credit cards £9k Car asset paid for - Parkers estimate private £4740 - £5920 (needed as long term Ill health and severe mental health,live out in country very little transport, many…
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Cabot and Mortimer Clarke THREAD CLOSED
Hi all, Not a great day today as I've had letter from Resolvecall AND Cabot on the same day. Not a nice feeling at all. My letter from Cabot states that one of my accounts has been passed to Mortimer Clarke Solicitors. What does this mean and what could the potential outcome be?
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Debt advice
Got myself into a little bit of mess with credit card debt I owe. £2890 on a Lloyds card to be paid by October 1300 on a NatWest card to be paid by September I will have raised £1500 by the end of April currently working lots of overtime to raise the money and will be able to pay £300 a month no overtime assisted after…
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Tackling £31,000 of Debt
Hi there, I hope this post is in the right place? I would like some help. I really want to start tackling my debts. I am 27, self-employed with a rough income of £2500 a month. I had some issues the last few years, struggling with depression and addiction. This led me to borrow a lot of money that I didn't really…
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Resolvecall threatening a home visit
Hi guys, Some of you have assisted previously with my current situation which is currently manually dealing with my creditors and not offering to make any payments. All of my original debts have now defaulted and I am dealing with the likes Lowell, Link and Cabot etc. Lowell have been great throughout the entire process…
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Zopa letter
Hi, So a repayment plan I was on with Zopa for 3 months has just come to an end. They have sent me a letter today (dated 17th Feb) informing me that "my loan will soon go into default." But then it also says "Get in touch today to avoid a Notice of Default." So does this mean it's in fact a notice of arrears and I have…
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DMP, maxing credit and full and final offer
I have been reading through all the DMP posts and I see someone asked should they max all their credit before starting their DMP so they have a large emergency fund and can make full and final offers? Is this a route anyone takes? How early in could you make full and final offers? If you have a little lump sum available…
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Amount of Unsecured Debt
Hi again Can I ask does it make a difference the amount you owe one credit card company as to the action they will take when you stop paying monthly payments? My largest credit card debt is 25k and this will be the first month I am not going to pay. Just feeling nervous about what will happen. Thanks
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Sending letters to Creditors
hello everyone, been a while now. I would like an advice on whether i should write to my creditors and say i am out of the country and not returning? I have been contacted by transave and been asking for me to settle. Otherwise, legal action will be taken. Should i reply to this or let it go? Thank you for those who will…
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Debts and DV
Hi, it’s been a while since I’ve been on here but I really need your help. i have recently ended my marriage which included physical, emotional and financial abuse. I have been in contact with CAB, they say it will be hard to get any write offs due to financial abuse but they will try. My husband was in and out of work and…
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Drowning in debt, please help with next steps.
Over the last 15 years I have made bad decisions which has led me to nearly £90k worth of unsecured debt. Huge chunk of this has come from investing in a business which did not do well at all, I am now struggling to meet the minimum payments. I have around £90k of unsecured debt spread over 8 credit cards ( 5 of them are…
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Voluntary termination delayed collection
hi clever people I have voluntarily terminated my PCP with BMW. They have confirmed this in writing and state to wait for arrangement of collection of the vehicle. My question is, our next months payment is due on Friday. If they don’t arrange to collect the car before this date, will the direct debit be taken again? Are…
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Another Resolvecall issue
This discussion was created from comments split from: Resolvecall letter.
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Creditfix queries and closure
Hiya. Me again. The dreaded IVA just cropped up in my mind. So I thought I’d ask on here as you put my mind straight last time :) If all goes to plan I am 18 more payments of £256 off of completing the 60months. I don’t own a home or anything of significant value. So will that likely be it once I have made the 60 payments?…
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