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CCA Request, no statement provided
Hi all, quick question, am I right in assuming if you submit a cca request a statement of the debt and previous payments should be supplied for it to be valid? I recently submitted one and have received the agreement which is fair enough but no statement which I requested. For ref I've attached what I've received but…
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£30K of debt, using credit cards and Overdrafts to survive. Its consuming me, I'm miserable!
Hi all, I am really struggling 3 years ago I got married, bought a house, and had a child within a year. It was amazing. The house needed a lot of work, the wedding got expensive and our daughter needed the newborn essentials. I got a credit card and another one and another one, made minimum payments and kept spending. I…
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Moving from StepChange to a self managed DMP
I posted a couple of days ago about advice re a full and final settlement offer for my lowest creditor and received some advice to wait until a debt company offers a settlement figure. However, I've read some more and think a swapping to a self managed DMP might be the way forward. I have been in a debt management plan…
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Advice for debt
Hi all. I have a debt being collected by Intrum. It has been getting collected via stepchange for 8 years now. I have £33k outstanding and at the rate I'm paying it's going to take me another 62 years to pay it off. Is there any advice you can give me with Intrum to get some kind of settlement off with them? As mentioned…
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Halifax overdraft
so I’ve been reducing my overdraft pretty much every month for the last 5/6 months was at £1200 now at £550 will reduce it by another £50 I’ve been in it most months if I’m honest and have been using it for all the wrong reason. I’m I best to keep doing this until it’s paid off completely or have some form of overdraft I’m…
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Need Advice : Managing £15k Debt While Buying a House
Need Advice: Managing £15k Debt While Buying a House Hi all, I’m in a bit of a tricky financial situation and would love some advice. I’ve just accepted a new job starting in February with a £45k salary, plus the potential for two £1,000 bonuses each year. While this is great, I currently have £15k in credit card debt…
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Letter from CapQuest
I received a letter from CapQuest demanding debt already settled in an IVA in 2014. I sent them a copy of the certificate of completion with the said debt been part of the IVA now settled. They still write to demand i paid that debt. Please what should I do? thanks
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Debt reduction solicitor
Hello and help 😖 I have always had brilliant credit and been debt free and this changed very quickly for me a few years ago when leaving a partner and starting afresh I foolishly ran up credit cards ! repayments became impossible may family I know I really didn’t want to IVA or bankruptcy and I was contacted by a company…
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Self managed DMP - newbie
Hoping posting here is the correct forum - been a long time lurker and have finally decided to do a self managed DMP. Have found the advice on here so helpful and reassuring. I have a couple of questions I hope people will be able to answer. 1. Has anyone had experience with negotiating payments with AMEX and how long they…
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Default query
Good afternoon - I received a notice titled “Default Notice under s87(1) of the Consumer Credit Act” but when I flagged this when arranging a payment plan Novuna responded to me saying the following I can see a Default Notice was sent on X however this was to let you know that you had defaulted on the terms of the…
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Capquest I'm confused please help
I had a letter from capquest saying I own money to shop direct and that they have taken over the debt. With a random ref number ,I have no clue what this debt is ,I've not had any shopping catalogues in many years . Should I just ignore this or what do I do. It say if I pay a reduced amount the the debt is settled
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0% interest credit card transfers
I've seen many times about transferring the balance from an existing credit card to a 0% interest one. Having been told that it will take 20 plus years to pay off my current cards at minimum payment rate, I am wondering if it's possible to transfer two existing cards to one 0% Interest card. Total combined debt for both is…
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Opos Limited harassment
There was a random letter to me sent to a family member’s address a couple of months ago, from Capquest saying they had passed a debt of £130 to Opos. I have sent several Prove It letters. There is absolutely no way I owe this because I haven’t used ANY credit, except credit cards paid off in full monthly, for at least…
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Help with credit card interest
Need help please. My Dad transferred a balance to a credit card in 2022. It had a 6 month interest free period. He never received a single statement. He paid a manageable amount every month. He used it on the odd occasion for purchases. He is 77 years old and only stopped working last year. He came to me today, saying that…
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Cannot see wood for the trees - persistent debt advice
Hello everyone, a long time lurker here. Please can I have advice what can we do, as I cannot see the wood for the trees. I'll do my and my husband's SOA after work when I get time but here is a rough outline of the problem: Spiralling debt problem that started long time ago with one credit card, and now after two…
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Default letter question...
Hi to all,I received a letter from Barclaycard to let me know that
they have defaulted me. It has indeed appeared on Credit Karma (Transunion). I'm a bit confused by the letter. It acknowledges that I didn’t pay what I was
supposed to. At no point does it ask for me to make contact or make any
payments. Indeed, it actually…
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First Assignment Letter
Hi all, I've just received my first letter stating Wescot have been assigned my account on behalf of one of my loans. I've checked the credit report and the account is showing default now, however I still haven't received an official Default letter from Tesco, just that they're passing the management of the account to…
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Student Fees, debt letter
My daughter has received a letter from Pannone Corporate, on behalf of the university, about student fees my daughter seemingly owes. They have asked for the money back. She has been given a deadline of when to pay or provide financial details. They have also said in the letter they can commence court proceedings…
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Facing up to my Debt, before its out control
Hello, I'd appreciate some advice on how to get started on trying to tackle my debt. Some backstory, my partner has been out of work for almost a year due to mental health and addiction issues. We have been unable to get much support from UC other than a few hundred each month, which isn't enough to cover our outgoings. My…
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Help with Money Management
Does anyone know of some kind of advisor who could help me with issues of tax, budgeting and pensions for someone who is not quite in dire straits (yet) but doesn't have savings or assets? Basically (and I am not expecting sympathy) I earn a reasonable amount via PAYE and freelance work. But I also have a huge amount of…
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