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County court claim form received, I have questions
This discussion was created from comments split from: DMP mutual support thread part 13 !!.
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Bank closed my account - what should I do?
Hi, I had my current account with one of the big five high street banks since the early nineties. Had an overdraft limit of a couple of grand for much of that period and often made full use of it. Also used same bank for my business for many years until business went to wall a few years back. In Feb 2024 they closed my…
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Default Issue
Hi all I am hoping someone can help or advise me here. Basically back in 2019 I had to go into a DMP which wasnt an easy decision as I work in Financial Services, this was all due to the break up of my marriage due to my ex-wife going bankrupt. The issue I have is that although the DMP was set up in 2019 and all debts were…
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CcJ form?
Hi. New here and wanted help from people who have done the same. I have just filled form n9a? Before a CCJ is issued. My question is, Do I send it to the claimant or the court? Thanks
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What should I pay off first?
In 2022 I bought a property with my partner valued at £440,000. We borrowed £15,000 from my parents to buy our house. The terms of the loan were that it could be paid back at our discretion, with no set date but most likely over 5 years, and a yearly interest rate would be applied matching the rate offered by my parents…
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Letter from county court
Hello 👋 I have received a letter from Northampton CCBC. The letter says it’s for a debt from 2014-2018 and says they got appointed around late 2022. There isn’t much more info in the particulars than that. As the dates on the letter are over 74 months wouldn’t this be classed as Statue Barred? Also to add I’ve not had any…
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Vodafone mobile arrears on closed account
I’m hoping DFW veterans out there can offer some guidance on how to tackle an old debt accrued on previous Vodafone mobile account. I had a contract with Vodafone for many years. Latterly, as it was used almost entirely for work, it was tied to my business account. When my business went to the wall in 2021, I kept the…
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Virgin Media broadband arrears on closed account
Hi - my first post on the DFW forum boards so pls go gently with me. In early stages of belatedly getting to grips with tangled mess of my finances following a long period of head in sand paralysis compounded by two months dealing with a family bereavement. I’ve spent last three days opening backlog of post, working…
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Default registered too early?
Cutting a long story short here, but I had a letter from MBNA dated 12th September asking me to contact them before 30th September to discuss some missed payments. I called them today and was told that the default was registered on 17th September. is it just me, or does this seem a little odd timing wise? I contacted them…
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DMP Help
Hi looking for some advice i wish id checked here first ... i have 37k worth of credit cards debt on various cards. I have payment arrangements set up by myself with most of them but reading here seems like letting them default and then setting up a dmp would have been better for my credit report in the long run, my…
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Has anyone had any luck backdating a default from a debt collector?
I am now finally debt free after just over 6 years (yay), but a couple of my defaults still have a couple of years to go before they clear my record. I defaulted with the original lenders, and then defaulted again when the lenders sold the debt to collection agencies. This happened just over 18 months after the original…
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Ashamed and Upset
Hello all. Long time lurker, first time poster. I've drafted and redrafted this message on and off for about 6 months. However my financial situation is now so dire that I can't bury my head in the sand any more. The story is the same - I have overspent over the past 10 years, and whilst initially affordable, interest…
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Advice please :) A (default) account will be removed from your account.
I got a notification from Clear score stating that an account (credit card) in default will be removed from my next report. The date of default is stated as 03 Sept 2019 on Clear score but I feel like it's older than that. I also got a letter from Link financial this week stating; "Despite our efforts to collect this sum…
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Fulfilled IVA with totally the wrong postal address on!
Hi, My daughter took out an IVA but died suddenly even before the first payment was taken two days later (we never got it back). As her next of kin and the person responsible for then dealing with all matters pertaining to her death including finances I contacted the IVA company to tell them she had died. To say they were…
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In a Real Financial Mess & Don’t Know What to do or How to Cope
Hi, I’m in so much debt. I don’t know where to start. I’m finding it really difficult reading, responding, meeting deadlines and juggling all the letters I’m getting, I just can’t keep up. I’m struggling to remain positive about my situation, I really don’t want to lose hope, but I’m due in the county court next month. The…
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old debt
I have about £2500 debt to lloyds for an overdraft i defaulted on back in 2007. I'd been paying token payments up untill december 2018. I stopped paying and the company stopped contacting me so i thought i'd escaped but then they sold it to PRA group who are saying they're going to take me to court unless i pay. I'm 3…
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I just received a letter from a solicitor about a personal guarantee I have no knowledge of
I'm hoping someone can help me, please. My business of 10 years became insolvent and had to go into liquidation earlier in the year. I had to lay off my staff and give up the premises, and it has been one of the most traumatic experiences of my entire life. I used personal credit cards when I was trying to save the…
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Lowell Do I still need to keep paying them for old debt
Got a default some years ago via Barclaycard this was around 2018. The default no longer exists on my credit file as it expired after 6 years. However, the debt was sold to Lowell who I have been paying via D/D at £30 per month. My question is do I still have to pay them the outstanding debt considering the original debt…
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Responding to creditor
This might sound odd to ask but when a creditor writes off a debt is it more acceptable to quietly accept with thanks or to actually reply to them. Not been in a good place so was stressing what to do
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CCJ N244 or Consent to set aside - urgent help needed
Hi all, I recently posted about a CCJ that has been made against me, long story short I was away for work for 9 weeks and found out via email 2 days ago that there was a claim made against me from PRA. I went back to my address that they have yesterday and there's no claim pack! I have tried to get an answer from a…
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