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Help with sale of house funds
Hi everyone, I'm looking for a wee bit help please. My mum recently had to sell her house due to her finances and she is now in a emergency accommodation.She has a little money left from sale of house and wants to clear her debt with it. Council tax and energy are completely up to date but she has a large amount with…
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Newlyn Notice of Enforcement for Mother in law
Hello, I'm hoping someone can help advise on this. My mother in law went into a care home in April 2016. the home she shared with her estranged husband was sold the following year. He has since died. We didn't deal with house sale or any bills. Myself and my husband have an LPA for her. Completely out of the blue a letter…
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Default on credit file
Hello I’m in a bit of a confusion with welsh water, I rented a property and always paid the bills there no problem but when I moved out in august 2021 it was a bit hectic for me. Apparently I did view the last bill online but I never paid it, they showed proof I viewed it in mid august 2021 and I get paid end of the month…
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Opos
Hello apologies if I’m not posting this in the right place. I received a letter today from Opos saying that they have been trying to contact me regarding a debt to RBS for a credit card outstanding balance of £360. They have contacted once me a couple of months back to inform me that they’d taken on a debt but I did not…
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CapQuest & Resolut
So on April the 5th 2024, I received a knock on my door. An agent from Resolut working on behalf of CapQuest. The funny thing is the debt they're seeking to collect was already paid in full in 2015. A debt collection agency came after my Littlewoods/Very debt 3 months before the 6 year limit was reached. Having already…
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Debt advice IVA or DMP
Hi newbie here just looking for some debt advice. I have a considerable amount of debt 48K across 8 lenders all unsecured credit cards, store cards and loans. I have had to give up my job to become a full time carer for my son who has a disability so my income will be heavily reduced. My son gets high rate care DLA so I…
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DMP vs. Second Charge
I am currently in a situation, which I am quite scared about to be frank. I have never thought of ourselves as living beyond our means, but recent events would state that we have been doing it for years and now I feel trapped. I am trying to work out how to move forwards without screwing myself over further and getting in…
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Notice of Enforcement for Slough Council from 7 Years Ago
Hello 👋 I am seeking urgent advice, Please. I have just received a letter through my post from Stanford & Green civil enforcement dated 10 May 2024. I am quite shocked by this as I have no knowledge or prior correspondence about this. It came with my old name before divorce. I left Slough Borough in early 2016 after…
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Partially Satisfied
Hi One of my creditors has written to me today telling me they will write off 80% of my balance if I pay the remainder in full by the end of may. The has not defaulted but has had late payments. If I accept this offer, what impact will it have on my credit file? I can only find information about partial settlement on…
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DFNLWs - what did you do next?
Are you one of our fantastic Debt Free No Longer Wannabes? :) For even more inspiration for our DFWs please come back here and let us know what you've done next. Are you now a Mortgage Free Wannabe using our Mortgage Guides to help clear yours? Or are you building up your savings with the help of the Best Savings accounts…
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How best to use a lump sum and going forward
So apologies for the long post but I am hoping with the info a short term and long term answer can be achieved. Initial summary is we have a lump sum of money coming(around 20k) in the next few months and I am wanting to know how best to use it that will help in the short term and also long term. Area where I could use it…
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Default all?
Hi all I am in need for some amazing advice. I have accumulated quite a bit of debt during my 20s (end of 20s now and making better financial decisions). This resulted in massive amounts going out in direct debits every month for mainly things that are on credit or credit cards. I have a car, insurance, house rent and…
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Very Old Debts Time Barred? Irresponsible lending? - Unemployed with £14k CC Debt
Hello, I am trying to help my mother out who has been going through a terrible time, including the loss of my father after several years of battling terminal cancer. Some of their finances are in a total mess and I would like to see what can be done with the debt, and I am wondering if anyone else may have an idea. There…
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The trick I used to use that was actually tricking myself
Hello everyone: Usual forewarnings apply, this thread is just for curiosity's sake, it is something I used to do and I don't suggest anybody does it because it is not a solution: When I was a student that could not or would not budget, my friends and I happened upon a way of paying our minimum payments without actually…
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Cabot
Hi, looking for some advice. My wife has 2 18 year old debts from a credit card & a bank loan. She has been paying Cabot monthly for the past God knows how many years. Cabot recently started getting antsy and asking for more money then threatening for people to come to the door. After some research here I got her to send a…
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Unenforceable debt texts threatening legal
About a year ago I wrote to my debtors and asked them to provide the CCAs. Neither Link nor Cabot could provide the CCAs and said the debts were unenforceable. I ignored all phone calls for a month and haven't heard from Cabot since. Link have been more persistent but I've carried on ignoring them and got a text from them…
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Lowell Phone Calls & Text Messages
Hi all, First post on MSE forum and have searched for Lowell issues and may have similar issues to other poster but not quite the same! I currently have umpteen missed calls from 0333 556 5564 (assumed to be Lowell) including a handful of text messages from Lowell citing: "We've been trying to contact (name removed) about…
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Vehicle Finance CCJ
Hi all, new member and have been advised to post this in the debt section. Bit of a long one but I am looking for some quite specific advice or signposting to somewhere that may hold the correct information. Long story short, I bought an Audi on finance years ago and traded my old car in under the diesel scrappage scheme,…
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Unaffordable Lending Barclays
I'm just looking for advice if possible. I have been addicted to gambling on line for 20 years... I have now got this under control since having my daughter & trying to manage the fall out. I only have one credit card with such a large amount and I can see statements online as far back as 2015(I probably have had this…
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Minimum Payments
Good morning all, I'm just after a little bit of validation in my thought process and/or any other pitfalls/opportunities that I may be missing. I realise that this, in the grand scheme of this forum is fairly insignificant but still any advice would be appreciated. I have a credit card with about £5.8k on it, it's at 0%…
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