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Lcs and EVRI scam
I was recently scammed. First LCS started sending me emails about a property and company i had no connection to, saying that I owed money to them. I disputed these emails saying I have no connection to any of the above. Then I got a text message from a mobile number claiming to be "EVRI" saying that I wasn't in and to…
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PRA Group chasing old debt
Hi there, I received a letter last year from PRA Group chasing two old debts that defaulted around 2014. I sent them the Statute Barred 'Prove it' email, to which they responded that after investigation, they could see a payment was made on 4th October 2016 for some amount. I've asked them to provide proof of this, but…
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Full and final settlement options.
Hi I am currently paying into a debt management plan through step change. I started off with around 32K of debt, I pay around £1000 per month, so I have around 16k left to pay. My question is about full and final settlement I have raised the question on debt camel, but i’ve not yet had a response and I was just wondering…
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CCA Response, unenforceable?
Hi could somebody cast their eye over the attached and verify this means it's unenforceable? As we can see they cannot find the CCA, for now at least, but do not want to use the correct wording in an attempt to get me to pay (Not that I object to paying, I borrowed the money but it's not a priority debt at the moment!). Am…
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First Default no letter
Hi all, Began my journey a few months back, checked my credit score to see that my first account was defaulted on 31/10/24 after missing only 2 payments. I'm yet to receive anything from the company or official default notice in the mail. Do I continue to wait? Or do I need to contact the company as it's been nearly 2…
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Debt Management Plan Advice, and paying off one debt included in plan
Hi All, I've been in a debt management plan for a bit over 3 years (maybe it's been 4). This debt management plan is with GW Financial Solutions. I'm perfectly happy with them, and haven’t had a problem with them. However, I didn't realise that other companies offer DMPs without charging an admin fee. I believe that Step…
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New to DMP
This discussion was created from comments split from: DMP mutual support thread part 13 !!.
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In a mess - need to take action before it becomes unfixable.
Hi Everyone, Long time lurker here. In a nutshell, my wife and I are in a terrible mess. We are a couple that earn a 'decent 'joint income of about 120K per year. We should be living a good life and yet we are deeply in debt due to total disorganization and stupidity. We have both buried our head in the sand and have…
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CCA response from PRA Group
This discussion was created from comments split from: DMP mutual support thread part 13 !!.
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Consolidating credit cards with poor credir
Hi, I have £12,000 worth of debt on credit cards. I pay around £700 a month to cover the payments. The interest is high on the repayments. If I were to consolidate the debt to reduce the amount of interest I currently pay across several cards I’d be able to pay off the debt much quicker. I am struggling to cover my usual…
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Debt sold to third party - wrong amount
Hi all, Ive been on a self managed DMP for a couple of years now. I recently sent round a revised I&E due to a change in circumstances and one of my creditors, Creation Finance, informed me that they had sold my o/s debt onto LINK in their email reply (coincidentally, LINK had already bought one of my other debts and had…
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Default Date Wrong but
Hi everyone, So, back in 2019 I took out 2 mobile phones with Sky Mobile, I had TV with them also. Now our Child sadly passed two weeks after her 18th unprepared for the costs of this etc I basically had to raise £5k and this meant bills stopped getting paid, the last payment was in April 2019 for the mobile, after a…
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First phone call from creditor
Hi Decided to do my own dmp with the advice off here, stopped making payments a couple of weeks ago to my debts. Just received my first phone call from Marks and Spencer credit card, assuming they are wondering why I've not paid this month's bill. I didn't answer, I could do with a stiff drink to get me through all this.…
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Lowell Conundrum
Hi all, I'm on a DMP through Stepchange & have been since 2019, two of the debts on that DMP were through Creation (Loan & Credit card), which were sold on to Lowell in March 2020. The loan had a default date of 3/20 but the credit card never had a default listed on it despite being sold on to Lowell - I In 2022 I sought…
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Lowell Letter
Good afternoon all, I've recently had a text off Lowell saying they want to contact me, calling up but giving them not even my name the lady couldn't tell me what they wanted to talk about (obviously.) I just wanted to know what Lowells was. fast forward to 3 days ago, I've received a letter (to my new address that I've…
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My DMP journey has begun
After weeks of worry, I have done it - stopped all payments to start my DMP. I don't feel calm as such, but I feel I have more of a plan. I'm scared about creditors visiting my property, being hounded, doing this all by myself and not using a debt management company, but I know I can come back here for advice. My basic…
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New here, desperate to get out of debt
Hello, I have been reading these forums for a couple of months now, and have been so inspired by other people's stories. I am finally taking the plunge and starting a thread of my own and would be so grateful for any help/advice anyone can offer. A little bit about me: 32 years old Moved out of home when I was 19 and moved…
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Can I remove this CCJ?
I have a
County Court Judgement entered against me. The judgement was made on 9th December 2024. The total amount is £700 plus interest of £370. It relates to
a debt claimed by Southern Water regarding unpaid charges from 27/2/15 to 1/7/18. My wife and I did not move to the property
until 23/1/17. I separated from my…
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The Legal companies taking on Debts
I managed to achieve being debt-free after many years, many debts and a court case in which I was ultimately successful (all thanks to the brilliant solicitors I had on my side) I wish all those striving to be debt-free the same success that I have been fortunate to achieve. Apologies for this thread being perhaps a little…
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Small claims
My ex husband won in July due to bully boy tactics as the judge wrote on the order. I paid the amount in 3 instalments. The judge didn't award all of his claim due to not signing a document so couldn't use as evidence. Blow me down October I recieved another claim from him for the remaining amount the judge didn't order.…
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Most recent: Payment a Day - Chapter 2025 by BlueJ94
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