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DMP creditor
I am on a DMP and it is working well. I have a small balance of £31.49 on one of my creditors. Is it possible to pay this off without affecting my DMP
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Link Financial
Is anybody else here dealing with Link Financial and having problems accessing their customer portal? I've been trying to get in for the last 24 hours and just keep getting a "Bad gateway" message after entering login details. Even tried resetting my password and it took 4 hours just to get the email with the password rest…
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Unenforceable debt, Link now emailing threatening 'review...for possible legal action'
I have a credit card debt that was passed to Link Financial some years ago. As this was an old debt, I asked for a CCA request and they responded in writing to let me know they didn't have the paperwork and therefore the credit agreement was unenforceable. The letter was sent to me over a year ago, I haven't received…
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Is it statute barred?
Lowell have been chasing me for a couple of years about two alleged British Gas debts (I have good reason to think I don't owe them anything but that's beside the point). I sent them a prove it letter recently and they say I closed the accounts in February 2016 (I agree) and the default dates are October 2016, so if there…
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Debt Sold
hi everyone, im looking for some help! i had a loan with NatWest and they sold it to
Westcott, i had a payment plan in place with NatWest and then it transferred to
Westcott. long story short i had an issue and made a complaint with them, they
told me that they 'were passed the debt on the 29th March 2023' and was…
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Moving costs - can anyone help me calculate?
Hi, Can anyone help me calculate the costs of buying my home off my ex-husband? Currently in a complicated arrangement. The mortgage is in his name but the equity is mine. This is tied up in a declaration of trust. Property value 233,000 capital gains tax???? 10,000 existing mortgage 70,000 solicitors fees??? 2,000 What…
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Cabot - review
I have a payment plan in place with cabot thats been going on for last 8 years or so for 2 debts. I made a settlement offer of the smaller one of 50% but they rejected it as my current plan finishes in 2.5 years. they want me to do a review to make sure i can afford the payments. i can afford the payments so i am happy…
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Debt defaulted, sold, now sold again.
Some advice · Defaulted on Virgin Credit card · Debt sold to Capquest. · Submitted CCA was told not able to locate so unenforceable · Capquest then passed over to Dryden Solicitors. · Again, explained unenforceable, requested CCA
they supplied it · Setup payment plan with Dryden’s · Now seen on Credit report Intrum have…
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Advice Please; Intrum/Resolvecall
Somewhere back around 2000, I took out a bank loan which I ended up defaulting on and not repaying the full amount. There were various letters for a few years chasing this which might have resumed in a CCJ but I honestly don't recall. Truth be told as I hadn't heard anything in a number of years I had considered that this…
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Any help urgently needed
Hi, so my partner has been divorced and estranged from his ex wife for over 20 years however due to being unable to locate her her name remained on his mortgage. Last year he managed to track her down via his stepdaughter and started the process of her removing her name from the mortgage. He began this in sept last year…
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Please help SOA
What would you do? Good earners - self employed variable income - Probably around 6-7k take home a month. BILLS: Mortagage, Utilities, Taxes, CM, Food is around 3.5k a month. This is unlikely to shift much. DEBTS: We are repaying my Dad back £200 weekly (6.8k remains) AA loan £160 monthly (balance is £470 ish ends in…
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Old debt advice please!
Hi all, I’m looking for some advice please about a very specific situation I’m in in regards to a debt. I’d really appreciate any help or advice from anyone who knows the answer or has been in the same situation. I took out car finance in 2015 with a company called moneybarn. I returned the car in 2017 almost at the half…
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DMP - Default query
hi all So i have 5 credit card. Totaling 30k debt i stopped paying the payments 4-5 monts ago. Only a few have sent me risk of detault lettets i am going to do a DMP with stepchange but do i wait until all are default? Or do it now? also with a joint mortgage and we renew 2026. Will this be affected? car finance renews…
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Marstons Arrest Warrant
I got an arrest warrant from Marstons in the post a while back, I googled it and based on what I found I decided to ignore it, not sure if I did the right thing or not. I had no idea what it was for. The letter contained the name and phone number for one of their bailiffs. She called me yesterday and asked me to attend my…
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Chased by enforcement agents
Hi all, any advice on how to deal with enforcement agencies? Council tax been ignoring me and now they send them after me 🎁
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DMP
Hi all, After letting my debts spiral over the last few years to £45k in loans and credit cards I'm finally looking at getting on top of my finances and looking at DMP's but have a couple of questions, 1. I have a couple of loans with Zopa and am unsure what value to put in when filling in my information on stepchange, the…
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please could I have some advice
I already have 3 debts, which are being managed by a debt help company. 3 weeks ago, the debt help company telephoned me, to inform me that they had been contacted by email, by a debt collection agency. Apparently it relates to a store card debt back in 2002.. my debt help company wanted to add it to my 3 existing debts. I…
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Whilst working debt is manageable
My discussion title says it all…… I am 70 and still working to service my debt. I was scammed from a crypto fraud and now they have vaporised. I have just short of £40k debt, all unsecured. Comprising of credit cards and a bank loan. I have always paid my way and my debt. I seem to get tired easily these days. My pension…
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Advice before starting DMP
Im embarrassed to even be here so please be gentle :'( After loosing my job during Covid, I’ve exhausted every credit avenue and now at breaking point, having spent the last year taking cash out from credit cards to pay the same credit card minimum monthly payments and all card companies now wanting me to increase payments…
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Back dated default
In hope more than expectation, if a default is backdated should the interest/charges applied since the revised default date be removed?
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