-
Collection agency claiming Abbey National debt
Is a current account with Abbey National statute barred? I have been contacted three times by letter claiming I owe a substantial amount to a company called Intrum (with Abbey National as original creditor). I replied to them via email after each of the the first two letters denying that it is my debt, but this morning…
-
PRA CCA response
Hi all, a month or so ago I requested a CCA from PRA for BC. Didn't hear anything, assumed they had not found anything. This week they wrote asking me to confirm my name, DOB and address, I replied to them on Monday with the information that they already had. They then said they would put my request through and account was…
-
After speaking to Business Debtline - default first or not?
Thank you for all the advice so far. I spoke to Business Debtline today. She advised me not to go down the bankruptcy or IVA route, and I cannot do a DRO as I have more than £75 per month. She advised I should contact my creditors (four of them) and offer them pro-rata offers of the amount of money I have left each month.…
-
DMP and job security checks
Hi I entered into a DMP in December with £35k of debt and now some of that had moved to collectors but I am with Stepchange and not having issues. I am being made redundant this week and start a new job next week, some good news for a change. However for this job I have just had to do a NSVS vetting form which is very…
-
Lowell and old British Gas account
Lowell are after me for two old debts they say I owe British Gas from a former address. I left the old address in 2017 but had left British Gas before that, at the latest 2016. I wrote to say I didn't acknowledge the debts but they would be statute barred. Lowell then claimed I'd last paid in 2022. I wrote to say I…
-
ACT Credit Managment Ltd Student Debt
Hello, When I left college 23 years ago, I enrolled in a Construction Management HND program, assuming it was free like my previous college education. I completed the two-year course and graduated, only to find out I wouldn’t receive my diploma because I hadn’t paid. It wasn’t an issue at the time, as the jobs I landed in…
-
Default notice pursuant section 87(1)
Hello I am starting my own DMP and two of my CCs I have stopped payments. One of them Pulse I’ve missed 2 payments and they have sent this: ‘We are sending you this default notice pursuant to section 87(1) of the CCA’ Then says I’ve to pay my arrears by 3/12 and if not they will terminate my agreement and the full balance…
-
First time DMP Questions - scared and unsure
My head is in a whirlwind and I am asking for advice. I was going to go the bankruptcy route or IVA, but I don't want to take the nuclear option. I believe the best option may be a DMP. I have a few questions though, I have four main debts 3 credit cards and 1 loan. I also have a catalogue debt but hope to pay this off in…
-
Has anyone negotiated down a debt with a collection agency?
Hi, slowly getting clear but I have two old debts left on my credit file, they will clear in just under 2years. The debt collection agency send letters every few months, I’ve never made payment on them or made any contact. They’re about £800 each including agency fees. I want to clear them, but don’t have £1600 or should I…
-
Clearscore
Hi, I'm using clearscore to monitor the status of my accounts. It seems that the ones that are defaulting are disappearing, is that normal?
-
Help! Step change cancelled my dmp with no missed payments.
So im in a panic, i was paying a nominal £1 per month towards my debts as im on universal credit and currently have medical issues and barely scrape by each month, step change said they cannot continue the nominal payment and cancelled my plan, but in their faqs they only do this if payments are missed which there was…
-
Zopa unaffordable decision upheld
Hi, long time lurker first time poster. Finally decided to tackle my growing debt situation as repayments have become unsustainable. I’ve followed advice on here (thanks everyone!) after doing the initial online forms with Stepchange, and before setting up a DMP I have stopped payments to save an emergency fund, and will…
-
Debt help, mental health issues
This discussion was created from comments split from: Debt write off for mental health.
-
Budgeting advice
Hi there I've been trying to sign up to the mse credit club to see what my credit rating is and was then planning to use the eligibility tool, before deciding how to consolidate my debt. But I'm getting stuck as one of the questions for the credit club is how much do your dependents cost. I have 2 children I have trouble…
-
Financial pickle, advice needed
Advice required.
-
ACI debt collectors
Any advice, I have been contacted by ACI about a debt with HSBC, last contact was a good 20 years ago. I sent a statute barred letter today they replied saying that they would decrease the amount I owe from £6000ish to £1000ish, they say I have 7 days to reply from date on letter 4 of which have passed due to them sending…
-
Improving credit score advice
Im wanting to try and improve my credit score I have about 10 months left on a loan which i am overpaying to pay off as soon as i can so that I can then start paying more off my credit cards which are mostly at 0%. My credit score is low as I'm utilising alot of my credit - at the moment im only paying minimum payments on…
-
Parking fine
Hi sorry, me again. I've just received a letter from dcbl for £170, for a parking fine from may 2019. It says I have 14 days to pay or they will recommend it goes further. I dint have that kind of money, any advice would be great.
-
CCJ for ex-landlord's council tax. Help filling out an N244
Hey hey, Got an email from a debt collection agency that had a CCJ attached to it with an old and wrong address. This is for an alleged council tax debt of 1,200, relating to student accommodation I rented in 2022, long story incoming: I've lived in this room in a 4-bed flat in Wales as a student and was exempt from…
-
I'm sick with worry and need help please
I’m struggling with money again, and I don’t know
what to do. I feel completely lost. The worry is eating me up inside—I can’t
sleep, I feel sick, and it’s so overwhelming. I need help, but I don’t
even know where to start. I am awful with money, and I always have been. I was made bankrupt
back in 2010, and discharged…
A place for MoneySavers to share their journeys towards debt-free living.
Forumites help each other push down their debt by setting challenges and encouraging each other to achieve their goals.
1.2K discussions
413.9K comments
Most recent: Payment a Day - Chapter 2025 by angelicious
Today at 7:53AM
