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Council tax
Hi i live in Sunderland and for many many years while my husband has been working we have had the council tax taken from his wage some months £200 plus and on good months £300 plus it all went through the courts to do it this way. Now the company he worked for is no longer we have received a bill for £6000 plus saying we…
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Barclaycard Reconstituted CCA
So, I’m in a DMP and with help of forums like this I have made affordability complaints and reduced my debt from £70k to £38k in 10 months. I did have it lower than this because I have a £13k credit card debt with Barclaycard which they have defaulted and sold to PRA. I took the card out in 2004 and asked for a copy of my…
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On DMP so Nationwide won’t accept F&F
Have been on DMP for almost 6 years and have now sold my house, so in a position to offer Full and Final settlements. I am writing to all creditors using forum advice and letter template and obviously hoping for decent settlement offers. DMP is with SC - but haven’t involved them in settlements. Would like to have all…
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Intrum Settlement Offer
Hi, I am looking for advice/information on how to deal with the Intrum settlement offer of writing off 65% of the balance. I am not in a position to pay the 35% but I could pay 20%, the amounts are as follows: Balance £5796.15 Intrum Offer: £2028.66 I can pay: £1150.00 The debt is from 2014, defaulted 2015, and is no…
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Capquest letter NOA - what can i do to find out more? What should i do?
Hello I got a letter from capquest this morning saying they assigned ownership of a credit agreement between me and lloyds bank to Intrum Popular designated activity company. There is an attached Notice of Assignment (NOA) to explain more, which doesn't really explain more There is a reference number, and a large(ish)…
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Resolvecall Closed Account But Now Bothering Me Again - advice please
Hey everyone Sorry for another Resolvecall thread but this one is slightly different I think. In January I received a letter from Resolvecall chasing an alleged historic CC debt. I immediately replied with a standard "Statute Barred" letter They replied in writing stating "We confirm your account is closed with Resolvecall…
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Debt busting ideas. Track your "didn't spend", not just your spends.
I mentioned this on another thread earlier, and a couple of people seemed to like the idea, so I thought I'd post a general thread on my idea, and hope that it can help people bust their debt. As well as keeping a spending diary, to track every penny...also keep a "didn't spend" diary. So, every time you stop and think and…
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Cancelling direct debit after 1 payment
Hi all, I'm about to cancel my direct debits for next month on my 5 debts. 1 of them I've only made 1 payment and the other 2 payments. Does this affect anything? After paying back so little, will they be more aggressive with any action? They were both part of the borrowing to get myself out of borrowing spiral. Many thanks
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Token Payment 11 years - LBA - CCJ
Hi, OH has been making token payments of £5.00 per month for many years on a Credit Union Loan. Kept it going in the hope of getting funds to repay money as its a credit union. OH is disabled and has in the past communicated with the business herself - Not able to do so now. C Union were taking the token payments and…
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Statue barred help/advice
Morning all Need some advice , I had a debt with MYJAR £800 from 2013 , I have been hassled by a company in the first instance called ACI , I wrote to them in October 2022 using the template stating the debt was statue barred , They never acknowledged the letter , They carried on sending emails trying to claim the debt ,…
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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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Most recent: Awesome August's No-Spend Days Challenge! by cathybird
31 August at 10:23PM
