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Moorcroft debt collectors
Hi I'm at the start of my self managed dmp, only started in August. I had an email a few days ago from moorcroft on behalf of marbles stating they would like to speak to me on a personal matter. However the last letter I had from marbles was just saying they terminated my agreement and wanted full payment. No default…
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Capquest nightmares!
Hi, I received a demand from the above, last Friday. It's been giving me anxiety and waking me up!! Today I've read through some of the historic posts on here, re Capquest and I feel slightly better. However I still don't know how to tackle it. I received a letter addressed to my daughter, but at my address. Capquest say…
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Help with debts!
Hello, I'm new to the forum but have read a few threads and have a much better understanding of debt. I still have a few questions though if anybody would be greatful to answer for me. Apologies if they have already been asked an answered but I haven't been able to find any answers. A bit about me... I have had a gambling…
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Have a claim for a credit card debt, best next steps?
I'm re-posting this with additional info I have received a claim form via Civil National Business Centre its from a solicitors representing Lloyds, for a credit card debt of c£3000 I haven't made any payments for around 2.5 years when I allowed the debt to slip towards default, as advised here as it happens. I haven't made…
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Debt letter for Shop direct(carval) but it's not on my credit file.
Can anybody help me with this please? So I keep receiving letters from ACI saying they've been asked to collect a debt on behalf of Capquest. It states the debt is for £699.73! I don't know what this is for or when I'm supposed to have racked up this debt. It says it was originally from Shop Direct (carval) I know they are…
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Adverse credit mortgage application
I entered a DMP in June 2020 with £25000 debt. Never missed a scheduled payment. Although it will fall off of my credit file next year, payments are predicted to last another 5 years. Between us, my partner (no adverse credit) have been saving for a deposit for a mortgage. We have saved roughly 20% but won't be applying…
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Product transfer query
Hello all just a quick query on whether I can be refused a product transfer if I have a default on an (unsecured) loan with the same bank? Mortgage with Barclays and original defaulted loan (in a payment plan) with Tesco Bank which was subsequently bought over by Barclays. Will they check the status of the unsecured loan…
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HSBC Settlement Offer
Hi All, 👋🏻 I just wanted to ask and confirm my understanding of a line in a confirmation letter I’ve received from HSBC regarding acceptance of my settlement offer. They have advised; ”As long as you pay the agreed amount we won’t ask you to repay the remaining balance. However you’ll still be liable for it. This means…
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Lendable query
Good afternoon to all readers. I stopped paying all my creditors in August 2024. One of my creditors was Lendable with whom I had two loans.
They defaulted both accounts in March 2025. One of the loans had a balance of approximately £6000 and
that was sold on to Perch. ACI, on behalf of Perch have made contact and I have…
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Advice to take out IVA or set up agreements with creditors ourselves
My husband and I have a total of 65000 unsecured debt ( credit loans with accrued interest and personal loans) we have a mortgage and second mortgage total of £92000. we are keeping up with all priority bills and insurance for house. But we are no longer able to keep paying all our credit cards . We have ben paying minimum…
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Cabot Financial
Hey everyone, I’m facing a bit of a moral and financial dilemma and could really use some advice. I have a £5,700 debt with Barclaycard, which has been sold to Cabot. I haven’t made any payments on this account since 29th September 2020. Since I live in Scotland, I understand the debt would be extinguished (become…
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Sense check please
Hi all, thank you for the amazing advice and tips I have been reading over recent weeks. They have given me hope that we can get out of the hole we have been digging deeper and deeper for a few years now. We have two kids, one now adult and pretty much independent, and one living with us who has an extraordinarily…
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Persistent debt need help
I'm not sure what to do , I've been irresponsible and have got Credit cards and catalogues naxed to the limit and im spending £675 a month which is over half my part time income each month on repayments. I'm not making a dent in any of the credit card balances as the little bit of freed up money I end up spending on…
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Default and ccj
Hi guys hope you’re all well. I’m in a bit of a panick. Have unsecured debts of about 26k have stopped paying it all and only one credit card with Vanquis has defaulted. I stopped paying everything around June/july im going to do a dmp with step change but I’m trying to save an emergency fund as advised here but haven’t…
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Is this a scam?
I received this email today, is it a scam My name is Edward Adams, I am contacting you from Debt Enforcement Bailiffs. I am sorry to have to tell you that First Debt Enforcement has obtained a liability order against you for not paying contractual payments towards your debts. THIS IS A SERIOUS MATTER AND YOU SHOULD NOT…
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Debt help. Unsure on what to do
Hi all, I've had a read through the forum and can't see anything like my particular situation. I've read up on consolidation, IVAs etc.. Quick version. I've been self employed/company director for 20+ years. No debt. No loans. With no debt I found it hard to get credit. I opened a new business in a different industry and…
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Dealing with £39K debt
Hello all, I built up debt over probably the last 2 decades, sometimes paying off, but then getting more credit. As the years went on and my wages increased I ended up taking out larger amounts of credit feeling I could handle it as I was always making the payments each month although increasingly this became the minimum…
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Help on opos issues .. is it a scam 🤔
Hey 👋 Im having issues from OPOS having letters and emails saying i owe money but have never used this company or had anything from them via a credit company I've sent 2 x prove it emails and keep getting this back from them ...... Hello Thank you for your email. We are contacting you on behalf of one of our clients who…
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Advice Needed with Cabot Financial
Hi, I'm new here and need some advice if possible. I've been reading as much as I can but I'm confused about what to do. I have summarised and, hopefully, added the info needed below: Credit card with Santander - last payment was made 2 Jul 2019. I have a default showing on my credit report (no balance shown) as registered…
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Old debt resurfacing
Hope someone can advise. I am currently in contact with Lowell regarding outstanding debts. There are three of them. One is a shop direct account they have agreed verbally is statute barred and told me they will close this. Another which is around 3 yrs old for which I have set up a payment plan. They have also told me…
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