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Tax council headache!
Hi all, I need some advice about a council tax issue that’s become a real headache. Between 2016 and 2020, I was living with my wife at x adress. We separated, and I moved out in January 2020. At that time, the council tax account was a joint one in both of our names, but when I left, the account was closed, and a new…
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Freeing up credit
Historically i did balance tfrs and all my debt was on 0%. Things have got in a mess and they are now all standard rate costing around £400 in interest. If i could just clear one to free up credit i could get back on track but i can't see how to do this. Can anyone advise. I was considering asking for freeze on interest…
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Settle car finance / invest elsewhere
Hello all, I'm looking for a bit of advice, or some reasoning. First world problems and all, I'm due an unexpected work bonus soon and trying to get my head round what is best to do with it. I'll use some example figures and a high level situation below, hoping this doesn't come across as crass- Good salary, and good…
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Ex-Halifax Debt sold to Cabot
Hi I have an ex-Halifax debt that has been sold to Cabot. I've previously read on here that Halifax keep documentation for 7 years. Regarding the CCA, does this mean that Halifax would keep it for 7 years from the date the account opened or 7 years from the date the account was sold? Also, has anyone successfully got debt…
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A debt company saying they are the new administers of my account and are asking for payment
Ive had a letter from Arrow global saying they are the new administers but it will be under capquest debt recovery ltd. They say i owe over £2300 for a lloyds tsb overdraft but i haven't had this account for over 10-15 years! Why am i receiving this and isn't it too late for them asking for a debt that i don't even know i…
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Should I ask for a payment holiday?
Hello, I’m currently on breathing space, after getting into loads of debt, personally and through my limited business. I have sorted my business out, and have enough income monthly, through doing the work myself and cutting back. I had a huge amount of stress upon me during the time of getting the debt, including a very…
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Help with scam investment Loans please
This discussion was created from comments split from: Struggling with debt? Ask a stepchange debt adviser a question.
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Wrong default date Creation Finance & Lowells
I'm just looking for some advice. I had a debt showing on my credit report with Creation that was sold to Lowells with a default date 19/08/2018 this became statute barred in September this year and has dropped off my credit report. But now its showing back on my credit report back with Creation with a new default date of…
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Capquest
I received this today and dont really know what to do about it. Any advice and help would be really appreciated, thanks.
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Overdales won’t negotiate
Hi all, Overdales is my last debt. It’s the most recent debt too and I have been paying them £1 per month for a while as they gave me a CCJ and were sending threatening letters. As I’ve managed to clear all my other debts, I want to clear this one too. I got big discounts on all of the others. Paid about £800 to Lowell to…
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Partner hiding debts
Hi, My partner has been struggling a bit mentally since lockdown and when I try to talk to him about money etc he just changes topics. In January he submitted his tax bill late and then they came back and said he owed another 200-300£ which he was angry about. Recently he's had a few letters through from HMRC which I…
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Struggling with debt – Is defaulting and a DMP the only option
Where do I start. Long time lurker and I’m feeling pretty overwhelmed right
now and I’ve finally bit the bullet and come to the realisation I need to sort
this out after burying my head in the sand. To give you a bit of background, I’ve got a considerable amount of debt across loans, credit cards, and overdrafts. It feels…
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Scam still ongoing!
Just had a scam email as follows and note the errors! Just a warning and I'm not worried in the slightest as it's 100% a scam email. This one has no contact info or links that I can see, but I have kept it in my spam folder, which may hide links? If you get one and maybe a follow up one with links or contact info...DO NOT…
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Settlement offer Capquest
I have a defaulted CC outstanding with Capquest. I have not been in a position to make much payments until now. They are offering me 70% settlement figure which I could pay over 3 instalments. I am doing this on my own. Will this be a final settlement or will they (or someone else) chase me for the remainder? Would it be…
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ACI / Intrum HSBC Debt
Hi all, After reading through threads here the last couple of weeks it seems ACI might have bought a bulk load of HSBC debts recently?! I have lived in Northern Ireland for over ten years and have recently received the first and second letters from ACI, for an alleged £700+ debt for an HSBC account. They are threatening…
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Help Needed: Dealing with Debt Settlements and Uncooperative Creditors
I'd really appreciate some advice or insights on how to tackle these debt-related hurdles. Firstly, I've been faithfully sticking to a Debt Management Plan (DMP) with Payplan for just over two years now. This plan involves making nominal payments to various creditors. Recently, PRA made me an offer regarding an old Lloyds…
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TESCO Bank email
Hi all, I have had the following email from Tesco Bank today and have just spent half an hour unsuccessfully trying to contact them. They appear to have closed my online banking account. This CC account was defaulted over two years ago. How can they be resurrecting interest charges? Thanks TG
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Really need some help, no idea where to start.
Hi all, this is the first time i am writing this down and it feels so daunting. First of all i take full responsibility for the situation we are in, i have lied to my fiance about money (ie not paying bills) i have hid post from him, kept debts from him, not told him when we are in financial difficulty I am horrendous with…
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Advice sought please - Contacted by Moorcroft
Although it was only a matter of time, it was still a bit disconcerting... I received an email from Moorcroft today. They are acting on behalf of Amazon Pulse card. I reported at the beginning of November that Pulse card had written to me (paper letter) to say my account had been terminated. As of today's date, it is still…
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Your PRESENCE not your PRESENTS
Hi. Wasnt sure where to post this.(admin pls move if appropriate) Some years ago I started a "your presence not your presents" thing with family and friends. It worked so well amongst us adults as we could then afford to buy ourselves what we REALLY wanted. We arranged more meet ups and enjoyed the Christmas season more.…
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