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Advice please :) A (default) account will be removed from your account.
I got a notification from Clear score stating that an account (credit card) in default will be removed from my next report. The date of default is stated as 03 Sept 2019 on Clear score but I feel like it's older than that. I also got a letter from Link financial this week stating; "Despite our efforts to collect this sum…
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Fulfilled IVA with totally the wrong postal address on!
Hi, My daughter took out an IVA but died suddenly even before the first payment was taken two days later (we never got it back). As her next of kin and the person responsible for then dealing with all matters pertaining to her death including finances I contacted the IVA company to tell them she had died. To say they were…
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In a Real Financial Mess & Don’t Know What to do or How to Cope
Hi, I’m in so much debt. I don’t know where to start. I’m finding it really difficult reading, responding, meeting deadlines and juggling all the letters I’m getting, I just can’t keep up. I’m struggling to remain positive about my situation, I really don’t want to lose hope, but I’m due in the county court next month. The…
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old debt
I have about £2500 debt to lloyds for an overdraft i defaulted on back in 2007. I'd been paying token payments up untill december 2018. I stopped paying and the company stopped contacting me so i thought i'd escaped but then they sold it to PRA group who are saying they're going to take me to court unless i pay. I'm 3…
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I just received a letter from a solicitor about a personal guarantee I have no knowledge of
I'm hoping someone can help me, please. My business of 10 years became insolvent and had to go into liquidation earlier in the year. I had to lay off my staff and give up the premises, and it has been one of the most traumatic experiences of my entire life. I used personal credit cards when I was trying to save the…
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Lowell Do I still need to keep paying them for old debt
Got a default some years ago via Barclaycard this was around 2018. The default no longer exists on my credit file as it expired after 6 years. However, the debt was sold to Lowell who I have been paying via D/D at £30 per month. My question is do I still have to pay them the outstanding debt considering the original debt…
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Responding to creditor
This might sound odd to ask but when a creditor writes off a debt is it more acceptable to quietly accept with thanks or to actually reply to them. Not been in a good place so was stressing what to do
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CCJ N244 or Consent to set aside - urgent help needed
Hi all, I recently posted about a CCJ that has been made against me, long story short I was away for work for 9 weeks and found out via email 2 days ago that there was a claim made against me from PRA. I went back to my address that they have yesterday and there's no claim pack! I have tried to get an answer from a…
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Ignoring unsecured debts
Hi, has anyone ignored debts? I am tempted to ignore one. I just couldn't be bothered with them.
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Neck deep in debts
Hi i am neck deep in debts and I can't service the debts anymore i have about £70k in credit cards and loans. I was hoping to start a side hustle but that did not go as planned. I have a mortgage and i haven't missed any payments on it. I want to make a new start and bin every credit card that i have and never fall into…
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It has to start now
I have to be perfectly honest here, please dont judge me. I have about £19,000 in debt and I am not getting on well with it. I am currently earning just under £26,000 a year, but am looking for slightly higher paid jobs to give me some more breathing room. I've kept this a secret from my partner as we are trying to save…
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Over 100k in debt due to Gambling Addiction.
Hi 👋 all, I recently got myself cured from a very severe gambling addiction.I praise GamCare for the work they do and help people get out of this vicious addiction. Now I found this lovely community and looking for some advice in hoping I can find a way out with all the debt I accumulated . The 108k debt which is between…
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Moved: Self Employed Sole Trader Planning Bankruptcy
This discussion has been moved.
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Would full and final work?
Two old Charging orders dating back to 2013 and 2015 neither of which I have paid anything on as only discovered they exist recently. Obviously they have both dropped off my credit file too. They are restriction Ks not in joint names. One is £4600 and one is £3500. We can't move so cannot clear them that way. I have £1000…
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Please can someone advise me and help me.
Hi. Please help I want to apply for a DRO I'm in wales. I understand what is needed payslips etc. My concerns are my partner. Her finances are completely separate to mine and has her own own debt and also don't work and earn as much as me. Also said she doesn't want any involvement as its my debts as we don't share any…
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How to enforce CC Judgment against cowboy electrician
Hi everyone looking for advice. We were absolutely swindled by a cowboy electrician earlier this year, he convinced us we urgently required a rewiring and our home was dangerous.. we bought it hook line and sinker and ended up taking out a loan to pay for the works. He took the money and ran. We now have a CCJ against him…
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Court claim form received
Hello all, I am in my final year of a bunch of defaults. I had a Lloyds credit card that was sold to PRA and the default fell off in July. The debt was unenforceable for many years as they couldn’t send me the CCA but recently they have provided one and have sent me a county court claim form. Not sure how to proceed. The…
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DMP - Settle or continue?
Hi all Looking for some advice, I've been on my DMP since March 2023 - Vanquis £3000 loan (Not defaulted just showing missed payments on credit file) Lloyds CC £2300 (Not defaulted just showing missed payments on credit file) MBNA £5000 CC - (Not defaulted just showing missed payments and actually up to date as DMP were…
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Dealing with Cabot - Final Payment offer
Hi everyone. I've been on a DMP for over 12 years, and still have an outstanding debt of approx 18k with Cabot (another 12 years to go). I called this morning to discuss a Final Payment figure. I didnt give a figure, instead they offered 75% which is way over what I was expecting / hoping for. What should my next move be ?…
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Im scared lowell
So i have a next directory debt which ended up with a default in 2017 this has now came off my credit file im having hassling letters from lowell sending court letters for a ccj is this right can they do this?
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