-
Talking to the bank about mortgage
I posted under another thread but told here might be better. A change in circumstance and income means mortgage payments are difficult to afford and we’ve burnt through savings. We’ve a renegotiation coming up so with higher interest rates we are worried what the total monthly amount will be as it’s already too much for…
-
Overdraft called in - how does it work?
I am aware that bank overdrafts can be "called in" (pulled) at any time, so it is dangerous (and expensive) to rely on them, month in month out. What does this actually mean in reality and under what circumstances would a bank usually take this measure? (Barclays, specifically) Do they give you any notice, and do they then…
-
Mis-sold Debt Between 2 Companies, That Are Now Pursuing My Client To Pay
Please note - this is a duplicate Post from another part of MSE Forums, as this location might be more appropriate for my post. ================================= I need advice/opinions on Mis-Sold Debt between 2 companies, as a result of a company admin error, that affects a third party (my Client). DETAILS: I am a…
-
Took out three credit cards in two months and all are nearly to their limit already
Hi! I've gotten myself into a situation that has been bothering me and I feel quite ashamed really. Around three years ago, I went through a particularly bad patch in my life. I had a string of 'situations' that through no fault of my own led to some intensive mental health involvement and police contact. Unfortunately…
-
BPO Hassle
ok Ill keep it short, i had a house which i moved out of about 3 years ago- prior to moving out i had a key meter that had been broken for three years- it stopped caring about the key and gave me free electric- i must of rang n power at least 20 times, they made tons off appointments to fix it and either did no shows or…
-
I’m out of my mind with worrying about debt. Need advice
Hello, I’ve buried my head for too long because I have a son on disability and a daughter who has anxiety so don’t want to talk to them and worry them. I have just cashed my pension so have 10k but can’t spend on debts as my salary isn’t covering the bills. Worried about not paying debts in case letters and bailiffs knock…
-
ACI-UK Limited
Lendable have sold debt to ACI-UK Limited anyone had any dealings with them?
-
Argos Card CCA
My Argos card has defaulted at long last and have received a letter asking me to set up a payment plan with them. Anyone know if they produce CCA's if i submit a request? My account opened in 2016 or do I ride it out and see what happens next, Debt collection / Sold etc.
-
Baillifs
Hi :) I was in a payment plan with Marstons and paying every month by direct debit, it was a CCJ. I've worked really hard to pay off my debt and this was the last one. Then, out of the blue, I had a baillifs calling card through my door. I called the number and asked what on earth was going on. After a short conversation…
-
Final Settlement Query
Hi All, Ive found some really useful information on this forum about settlement offers for debt but wanted to ask for some help as feel like I’ve got myself confused on the wording used and want to make sure I get this right before proceeding. To briefly explain my debt history.. I have been on a DMP since 2018 with…
-
Default notices started arriving - sanity check and next steps..
Hi I stopped paying my non-priority debts 2-3 months ago following the advice on this page and have my stepchange DMP calculated but haven't engaged it yet. I've recently had default notices saying I need to take action by early September from Tesco, Paypal and Halifax. Still waiting to hear from MBNA, Updraft and…
-
PRA Group
Hi all, started debt free journey around 6 months ago and have just started getting defaults. Barclaycard has been sold to PRA who have just written to me this week. The account is around 13 years old. Is now the time to request the CCA or should I wait longer? TIA for advice.
-
Idem
Idem are chasing me for a debt with picture Loans which they purchased, idem say they don't have the original paperwork from picture only copies, my husband died, the house was in his name only, I'm not on the land registry nor is the debt on my credit report, idem have refused to engage with the financial ombudsman, they…
-
HSBC - Default - 2 years later
Good afternoon, I’m a silent viewer and the forum has helped me so much over the last three years! I entered a DMP back in March of 2021 and all but one creditors had defaulted my accounts by august of 2021. HSBC where do I start the debt was for £6300 and reduced payments have been being payed via StepChange for 26 months…
-
Re register of default
Hi all I was wondering if anyone can help with my query please I had a loan I took out from Future Finance of around £12000 when I was a student for which I defaulted in Jan 2019 My understanding was that in Jan 2025 the default will be removed from my credit file Around 2 years ago, I received a letter from Link Financial…
-
Jacobs Bailiffs At my door
Please could I get some advice. I don’t need a telling off I’m tired and have heard it all. I just need help and advice. So I have been paying Jacobs monthly and this month my payment was 3 days late. The next thing is I now have bailiff calling me demanding full payment of which I don’t have that kind of money. I have…
-
Affordability complaint
This discussion was created from comments split from: DMP mutual support thread part 13 !!.
-
Debt reduction and Student Loan early repayments
I'm looking for some advice. Without giving too much detail, in my early years I didn't manage my money very well and racked up quite a bit of debt. Now I'm getting myself in order and paying it all off. It'll take a few years but the end is in sight. I've paid off small debts and consolidated my main into a loan. Not the…
-
Mums DMP cancelled - intrum and Cabot
I have been trying to help my 71 year old mum with her debts since she became ill in January. She had been in a DMP for 7 years initially paying more but as income decreased paying £60 monthly off (now) £90,000 of debt.She only stopped working after being hospitalised in January. She lives in a property with £30k left of…
-
Capquest/Resolvecall/Intrum issues
Hi All, could really do with a bit of advice on an old debt which has appeared from nowhere. I received two letters (one from Resolvecall and one from Intrum) stating i owe 'x' amount for a bank which i have not banked with in over 20 years! i am not aware of any debt and have never acknowledged the debt (certainly not had…
A place for MoneySavers to share their journeys towards debt-free living.
Forumites help each other push down their debt by setting challenges and encouraging each other to achieve their goals.
1.2K discussions
412.3K comments
Most recent: NST September 2025: Keep It Simple! by weenancyinAmerica
Today at 1:26AM
