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PastDue Credit Solutions - chasing for HMRC payment
Received a letter (8 days after it was supposedly "sent") from Pastdue saying I owed their client, HMRC, £4,3xx.24. I have not received any communication direct from HMRC for this amount. I paid HMRC £5,1xx.84 in March and £100 in April. Should I not have received another communication from HMRC rather than this letter…
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I have just got back a CCA. payment history
They have said 'any temporary unenforceability no longer applies.' They have sent the payment history which starts from July 2017- June 2026. But July 2017 payment says GAP PAYMENT and they have stamped the CCA with 'received for and on behalf of the issuer 20/09/2011' So it looks like there is almost a six year period…
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Requesting debt write-offs on medical grounds?
Good evening, Both Citizens Advice and some on this forum have suggested I may be eligible for debt write-offs due to my health circumstances. I have a combination of physical mobility issues and mental health problems. I was made redundant in late 2024 and have been unable to work since because of my health. I currently…
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Stepchange
Hi all, finally facing the music of £38k debt, having min payments of £950 a month before all house bills and only having £30 left over a month. The cycle of using my credit cards, then them going over limit is crippling me. Can’t get any 0% interest cards. I’ve filled out Stepchanges form yesterday online, what’s the next…
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Spiralling debt help
hi. I’m in around 40k of debt with 2 loans (16k total) and the rest on cards. Combination of made redundant a while back. Never missed payments. Have a mortgage and second charge. Mortgages total approx £560k and house is worth between 660-700k. Earn a salary of 65k and have children. I can’t carry on and am scared I won’t…
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Debt Help
Me and my wife (both in our mid 30’s) have around £36,000 of debt, accumulated over the past few years due to unforeseen circumstances. Please can someone advise what they would do in this situation? I
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Santander Loan and Overdraft
Hi, just looking for advise. All of my debts have now defaulted and I have set up payments plans on standing orders. The only one that hasn't is a Santander loan and credit card, they have passed the debt to Moorcroft who have contacted me and I have ignored to it gets defaulted. They have now turned up at my door this…
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Cabot still bothering me
Letters, texts and phone calls and threaten of agent calling constantly on accounts they cannot provide CCAs for . I have written to them via post as well as emailed very clearly and to the point that they should only contact me via hard copy letter through post , and to remove my phone number , stating until CCAs provided…
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DMP vs non DMP advice??
Hi everyone, I'm looking for some advice and people's thoughts on my current DMP with Payplan and if there may be more appropriate options based on my current plan and the context of my progress (explained below). I will try and explain the situation best I can (but can add any other helpful information in replies should…
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Bank loans and CCA’s
I have 2 defaulted loans, 1 is a Barclays loan and the other is a barclaycard masterloan. Am I right in thinking that you can’t request a CCA for loans?
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Debt Help
Evening all, Was looking for some advice on my current situation… I had 14 different credit/lenders which have since been sold to 6 recovery companies (Lowell, PRA group etc.) I had previously let them get to missed payments on the basis of eventually letting them all default which has happened since October/November 2025.…
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Help as Lowell are not giving me proof as requested
Hi All! My first post and it’s taken quite the journey for me to get here. I have successfully set up a DMP with StepChange and believed I had added in all valid and enforceable debts and breathed a sigh of relief. But now that feeling of dread is coming back due to communication with Lowell. I have successfully challenged…
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Creation Finance - setup DD without permission
Hey all, Looking for a bit of advice here. I’m currently on a DMP with StepChange, one of the creditors is Creation Finance. So at the point of setting up the DMP, I opened a new bank account and now use that as my main account for salary and DD payments etc. I’ve just discovered that Creation Finance have setup a direct…
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Prove It Letter when you know the debt is an error?
Hi all, I moved out of my last home in March 2025, where Scottish Power was my energy supplier. I closed my account, and everything seemed fine. Yet, for some reason i've got a £65 debt attached to my name, and now my credit file shows a missed payment and, hence, default. I contacted Scottish Power; they said they believe…
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PRA Barclaycard
Hi all, I have a Barclaycard debt which was sold to PRA after default (default date around April 2024). I have requested CCA from PRA multiple times and haven't received. They have emailed the generic stuff a few times about make payment, offer on account etc. They have now emailed saying action must be taken, and on this…
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Where to start!
high debt in a DMP £45k , also have about £15k in other debt not added to DMP , any advise as to how to get extra income , I work full time , and sell what i can when i can
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Odd credit card activity...!
Hello, I've not been on this site for a while, a bit busy. Suddenly I find I'm swamped with issues. An odd email alerts me to a CC debt, though I've never had the particular card. There has been no posted communication, no phone calls or letters, bills etc. In other words, they only have this email address. No other…
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Clearpay/Paypal
Hi. I have managed to agree payment plans with most of my debts. Nice online portals where you can manage debts. But Clearpay I'm finding it hard for them to agree to my offer of £4 a month. They do every 2 weeks and is 5.37. How can I get them to agree to this. At the moment they are not reporting to CRA. But after July…
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Perch Group/TM Legal - Pre Action Protocol letter - Debt NOT mine
Hi all, I have been receiving a few letters from TM Legal/Perch group about a debt owned to EDF energy for utilities from October 2020 to Feb 2021 for an amount of £646. The thing is I moved out of the property (where EDF provided the energy) in September 2020. I have my current lease to prove this. On moving out, I…
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Contacted by ACI
I’ve received 2 letters from ACI with 2 different references and balances for old debts about a week ago, and again they sent reminders again today. They state that if they don’t hear from me, they will use Verify and are saying someone will come to my house. I have Autism and severe anxiety so this is really stressful for…
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