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Best CRA to check defaults?
APOLOGIES I CAN’T SEE HOW TO DELETE THIS, ONLY EDIT - I SEE THIS HAS BEEN ANSWERED ON A PREVIOUS POST Can anyone recommend the best place to check for defaults. I am assuming some are better than others, in terms of updating faster and not missing anything (i am convinced one of them doesn’t list half of my creditors) I am…
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Default notice issue
Hi All I’m hoping for some advice with a default issue I have with PayPal Credit and Lowell. I fell into financial trouble in 2021 and PayPal credit was one of the providers I wasn’t able to keep up repayments with. To my knowledge, they never issued me with a default notice but they referred me to Lowell to collect token…
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DMP is this my best option?
Hello. I urgently need some advice on my current debt situation. I live with Bipolar Disorder and during a manic episode in April of this year ran up debts of 6,500.00 This is split over 4 CC & 1 Loan All of the debt I created was via Credit Karma as I in put false details whilst in my manic episode I live alone, currently…
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2 credit file questions
1. What does delinquent mean..my loans list as default but most of my credit cards read ‘delinquent’ 2. Some of my debts are marked as ‘settled’ - i am assuming this is because the debt has been sold, does the new creditor appear in due course on the file? + any advice on what to do with creditors who go to ground i have…
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PayPal Credit default
My PayPal Credit account has showed in my credit report for at least a month now as defaulted. However I’ve never received the default notice from them in the post and they are continuing to write to me and send emails seeking minimum payments? I just received another letter today saying minimum payment by 8th April? I am…
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Virgin Credit Card
I've recently asked Stepchange to end my DMP I've got a few remaining debts one with Virgin balance is 4,273. I've offered them £1,700 as a settlement and they've declined a few months back they've contacted me again and I've offered £2k, they said they'll review in 10 days, I'm asking if anyone has experience with them…
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Can I be compelled?
I currently live in a disabled adapted bungalow that is
run by a charity. My rent is below market value. The charity has decided to hand the community (29
bungalows) to a housing association which will be taking over in July 2024. Looking on HA website, they charge approximately £200 per
month more for a 3-bedroom house…
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LOWELL CCJ
Like others I've had a letter from Lowell re a debt from Hoist completely out of the blue. Firstly about a credit card which changed to joint account. There is a CCJ apparently dated Sept. 2013. I've contacted the bank who can't tell me anything cos the account was closed in 2011. I never had any info from Hoist or knew of…
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Tesco debt using Lowell debt collector address
my Tesco credit card debt has never been sold on by them, nor stated the collection is been done by a debt collector. I had a query, I wrote to them at po box 342 Newcastle NE12 2gd. i got a letter today saying hi, just checking in, are you comfortable to make a payment. with Tesco details and Tesco address but on the…
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Lowell email address
Hi, does anyone have an email address for Lowell? I just want to inform them that I’ve said up a monthly standing order but there doesn’t seem to be a way to confirm the payment plan online unless it’s by direct Debit and don’t want to call them. Thanks
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Can PayPal withhold money for PayPal credit debt
I defaulted on my PayPal credit account and it has now been sold to Lowell. I was hoping to try and sell a few things on eBay to raise some funds. If I do this, could PayPal withhold funds due to the PayPal credit debt? Thanks
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Debt shame and guilt
Please no judgement! On Monday, after an absolutely horrific day of lies and panic attacks, I admitted to my husband that I have got a significantly higher amount of debt than what I had been telling him on credit cards. I told my family and they were supportive and felt sad that I hadn't been able to share this with…
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Letter Received from DCBL
I'll start at the beginning. We moved into our current house in January 2022 We have, this morning, received a letter addressed to an unknown person from DCBL regarding approx £2k of parking charges which were mostly dating back to early March 2020 (pre-pandemic). The location was a city in England a long long way from…
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DMP 9k owed - Need help
Hi all, I am currently on a debt management plan, I'm 29. My financial situation has occurred due to being stupid with money but also due to some unfortunate circumstances beyond my control. My personal situation is that I'm not in a relationship, I don't have any family members who I can rely on/answer my calls and my…
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Debt over 6 years but Cabot saying not statute barred.
Hi I sent a statute barred letter to Cabot financial for a debt that was well over 6 years but they have continued to hound me by letter and even telephoning my parents who I no longer live with. I have had a reply today and one part says: ‘Legal proceedings were then initiated on 8 July 2015 under the reference xx (they…
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How do you know if debt has been sold?
Apologies, this has probably been asked before but can't find the answer on the DMP thread. How do you work out if a defaulted debt has been passed to a collector or has been sold? Thanks!
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Owe 6k to Amex - Can't pay - Please help!
I made the mistake of getting an Amex, started off being able to make the payments and then things took a turn for the worse. I currently have around 6k credit card debt with them and have ignored all communication as I simply can't pay and am clueless as to what to do. It seems they've passed on the debt to a solicitor…
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" Resolvecall " Is this legitimate ?
Just got an SMS from ResolveCall saying something about " your account has been passed to us for a home visit, to prevent please visit xxxx " Should I Log in and check this out ? I have no loans or borrowed money at all.,
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Best way to pay off remaining debt
Hi , I had total debts of £13,000 across five credit cards I have got this down to : Santander £700 standard interest Barclaycard £5000 % interest fee for one year I don’t want to pay any interest My plan is to transfer both to an interest free balance transfer card and pay them off for as long as I can get interest free…
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Advice
Hi, I'm not sure if i am writing in the correct section, but i have around £3-5k of debt. I have tried to get a lump loan of £5k to pay of the debts and then ill only owe the lender but as my credit rating is low (due to my younger days) i am unable to obtain any loan or get a credit card. I have tried everything. I am a…