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CCA Request sent - When should I stop payments?
Hello all, I hope everyone is well. I am on a DMP for 3 creditors since January 2020, the details are as followed according to my credit check and my DMP: 1) Current company Intrum UK: Account start date: 05/05/2019 Opening balance: £15359 Date of default: 20/07/2021 Default balance: £15359 According to my DMP, estimated…
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Letter threatening home visit to ‘establish my residency’?
Hi, currently dealing with various creditors having let debts slip into defaul this letter has come from My Community Bank..(Town and Country legal services) and relates to a loan any advice on how to approach, seems to be way of spooking me a bit as there is nothing they can do by visiting, should i even talk to them.…
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Debt free wannabe
No, I would definitely not help him. It will happen again and again. Get out whilst you can.
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Advice on CCA now debts have been sold
Hello - you lovely people on this Forum have been helping me with some useful advice since earlier this year with my debt problem (£80k over 6 credit cards). I stopped paying the cards as I could not afford to do this and pay my rent/living expenses as well, and have subsequently ignored all the calls and letters from the…
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Newbie with some potential bankruptcy questions
Hello all, My partner has alot of debt and we have tried numerous times to get help and support with obtaining bankruptcy. I believe it is around £40,000 and this was all done prior to us meeting over 5 years ago. He cant be registered at an address, so cant get a local doctor, and his mental health is now suffering as a…
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Stupid error payment to nco
I have a payment plan with nco for £20 a month to repay old credit card debt. balance is approx £229. Yesterday I stupidly in a rush made my monthly payment but instead of paying £20 I paid the full balance as it didn’t go through the first time I tried again and it had reverted back to pay full balance which I never…
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Council tax help
Hi, My brother has found himself homeless and he wants me to register him on my council tax. I know his business went bankrupt but I’m worried about him being registered with me and the harm it will do my credit score plus any future partners I have and if I have children. I want to help him but I don’t want to mess up my…
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Unfair Country Court Judgement. Advice please
Could anyone advice me how to go about this please? I am a doctor and was employed ads a locum in an NHS hospital. About 2 months to the end of my contract( July 2021) the NHS hospital sent me a letter saying I have been overpaid by £2950.00. I called the finance department to discuss this. I then told them that I have…
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Quickest way to get balances to 0
Best and quickest way to get the below to 0? Here is my list - n/a means there is no promo rate, it's in order of balance Thank you
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Debt Advice - Credit Cards
I have various credit cards - some are 0% and some aren't. We're looking to move house next year and following calculators for mortgage borrowing, it seems some lenders may still lend - however, due to the number of credit cards (known as credit lines) the number of different credit lines I have may impact ability to get…
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Multiple credit cards
I have multiple cards and the 0% is slowly expiring. As cards start to charge interest, what's the best way to prioritise? Thank you
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DMP advice with defaulted account?
I have a large amount of debt and not enough coming in to make the minimum payments. This will not improve over the next few months. I have done an incoming/outcoming expenditure with CAB, and they said I have £500.01 left to be able to pay any debts. This is less than what my usual minimum payments are. I called my bank &…
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PRA Group CCA Request
So I did a CCA request for my two largest debts which have been sold to PRA Group. Halifax (10K) & Barclaycard (15K). They replied within 30 days with reconsituted agreements so both seem to be enforcable. My only query is on the barclaycard one; Instead of putting my full name, they put the initials of my first and middle…
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Charge on property 21 years old
Hi! No idea if this is the correct category but I really need some help. My parents had a full charging order placed on thier property in around 2003. This was related to a rental lease on my dad’s failed business at the time for £20k. As the debt was owed by all partners (there were 3) one did pay them £20k shortly after…
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Moved: Mortgage help
This discussion has been moved.
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Looking for debt help
I was recommended to post here as I'm looking for options to help with debts. To cut a long story short for a number of bad reasons (including a high spending ex who is now out of the picture), I find myself £38K in credit card debt. I'm single, 43 and was planning to reduce my hours at age 60 and wind down into retirement…
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How do people stay positive
So as the title mentions when you seem to make all the right choices and seem to be getting a head then along comes something that puts you back!! if nothing to drastic but wife’s car failed mot basically best part of £600 I’m annoyed because was doing stuff to mine to ensure when my mot was due in jan hopefully won’t need…
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Flint Bishop N1 claim form received for debt I've never heard of...
Hi all. Looking for some help if you can please assist? We received two letters from flint bishop, regarding a debt of around £2500 from a tool firm, it came to my address in my name but it's absolutely nothing to do with me. Never heard of the firm or the debt. The third letter was a claim form N1sdt and indicates going…
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Acknowledging CCA
Sorry I have posted this question on an old thread regarding CCA with Ardent, however not sure if it's been seen. Ardent acknowledged the complaint of crediting £1 PO to account and refunded but still no mention of CCA and still hounding me every day with calls, emails and letters. In the acknowledgement of the complaint…
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Advice on spiralling debt
Hello 👋 really nervous to post but hoping for some advice please. I'm in a lot of credit card debt (£27k-ish across multiple cards). I've been in credit card debt before but never anywhere near this much - I had it down to around 5k pre-pandemic so more manageable, but a combination of poor mental health (which is ongoing,…
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