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I need desperate help!
Hi All, I’m new here and after help from those that have been in the same situation and can help me find a way out! 🙏 I started my business before COVID which was a well-being company for corporates. I did most of the services myself, and it went really well. No debt other than to franchise it, which was put on hold due to…
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Capquest CCA Request
Hi All, So I sent a CCA request to Capquest back in July this year. The only response I got was an undated/unaddressed letter about a week later returning my fee and saying they will issue a response as soon as possible. Ive had no further response to my request since. However, last month I got a letter from Capquest…
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Pensioner needs help with Lowell and PRA group
This discussion was created from comments split from: DMP mutual support thread part 13 !!.
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Tesco bank default help
Tesco credit card defaulted 3 months ago but still nothing from who they sold it to etc i had a text from Tesco to ask to contact on Friday anyone got an advice on this one or any experience dealing with Tesco please?
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Reliance byte unpaid fuel notice
Hello All Has anyone had any run ins with a company called reliance byte? I received a letter a few weeks ago saying I was being charged for unpaid fuel as I’m either the registered keeper or driver at the time, they inside cctv images. I am the registered keeper but was not the driver and the driver is clearly shown in…
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Closed
Deleted post
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DMP plan & advice
I’m think of going between a DMP or DRO. If I go for DRO, just wondering what kind of repayment I can get agreed. Debts. NatWest: 30k current around £22k. Repay £668 pm Lebdable £5k been repaying £201 since Feb, if interest gets removed it should be currently below £4K. Repay £201 pm Novuna £5k Repay £150 since Feb 118 £5k…
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Default removed from credit report earlier than expected
A personal loan, originally with a bank, was sold to a debt collector who have sent various letters including a settlement offer of 90% discount (10% to pay). The date of default according to my Transunion report was 6th November 2018, so i was expecting it to drop off in about three weeks and become statute barred. I've…
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Debt and severe mental health - write off
I posted a while ago asking if debt could be written off because of severe mental health, I was ready to take my own life due to debt. I had help from debt advisor who took my case and my psychiatrist sent in the form and letters. I had huge debts with 8 companies. 5 have agreed to write off my debt and I have 3 to hear…
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DMP?
Hi All Sorry for the long post but I want to give as much detail as possible. I have started my own business and unfortunately it looks like it will not make it. I have a start up unsecured personal loan with £24000 outstanding and a business loan with £12000 outstanding which is personally guaranteed. So currently £36000…
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Moved: Child Maintenance & Mortgage
This discussion has been moved.
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cca request?
hello everyone so my debt has been sold to a company called lowells and they are now chasing me for payment is this a good time to do the cca request or should i hang in there until these guys sell it again many thanks steve
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50k Unsecured debts and can't see any way out.....
Evening guys. I hope you are all well! :) It's been a while for me on here with my last visit being back in 2009 during my bankruptcy where I was helped through that by lots of very helpful people who no doubt are still active on this forum. You'd think I'd learn from my past mistakes but life is cruel and sometimes things…
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Just started a DMP what now ?
Hi. I’ve just paid my first payment to StepChange. I have £42,000 worth of debt to pay off at and it’s going to take many years. Reading through the threads today, I’m wishing I stopped paying my direct debits a month or two before I started a DMP. I could have paid off my store card and overdrafts with the money I was…
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Ccj settlement
Hi Just trying to understand if I have a ccj from a credit card. which is now owned by reston solicitors ccj is from december 2022 and the default for this was made 2021 by Cabot financial. I have no other debts or marks on my credit file. They've recently emailed me asking if I would be interested in an early resettlement…
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Moved: County Court judgments sent to wrong address
This discussion has been moved.
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dmp or iva
I am self employed and my income has been pretty steady for the past 2 years, I have £22500 debt from credit cards and a loan which so far i have been paying just the minimum on everything but it has squeezed and squeezed my income and i am getting nowhere. I have no savings as I was using them to top up my income when I…
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ccj
Hi all, When a company sell's a debt that has a ccj on it, Does the new company have to go back to court to change the ccj?
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Laying it all out.... time for change
Hi, I've lurked about this forum on and off for years, not been on for a while but here we are looking for advice and help. Hoping this post will keep me focused. I'm around £35k in debt. It's across several credit cards and all at 0% interest which I juggle about when they run out. It's spiralled over the past few years,…
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Bamboo/Next step
I’m after a bit of advice please. Stopped paying debts last November, creditors defaulted in June this year and DMP is going well paying what I decided to pay to whoever bought the debts. Only one of the creditors, Bamboo loans, have not sold the debt or have been in touch with me , despite the fact they also defaulted in…
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