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Confusion over debt solution deepens
Hello all When I last wrote (a month ago?), I had been advised to wait a further 3 months before applying for a DRO as I had only taken out 2 of my 6 credit cards in February this year. However the mental strain is too much for me, yesterday I called Money Wellness, who I was planning to use after recommendations on here.…
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Consolidation
I'll make this as short as possible. Was in debt for £4000 which was paid by family. Now in the same boat again, 3 credit cards and a loan totalling around £7000. Any advice as to consolidating all debts into one monthly payment would be great help? I can only afford around £100/£125 per month. ANy advice or help would be…
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Very disappointed with PayPal Credit
Very disappointed with PayPal Credit customer service and the confusing way the whole system operates. A transaction of £1,177.93 (MILLIONVIEW) was refunded, and the refund clearly appears on my statement. However, the same amount still continues to appear as outstanding under a promotional balance section, making it…
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Is this a "letter before action" from Mortimer Clarke
Hi all. I have received a letter from Mortimer Clarke Solicitors in which the header states: "We have been instructed by Cabot to take legal action as you haven't paid your debt, you need to contact us to avoid a court claim being issued against you." They "offer" two options, pay in full £2316.02 or pay by instalments. As…
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Iva
hello I have huge debts and considering an Iva, my mortgage is with the same provider as one of my cards that will be on the Iva, will this make any difference? Any impact on mortgage of the credit card is with the same bank. It’s virgin money
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Help DMP not DRO or IVA-should this be in benefits?
63 year old lady Please don’t judge me being on benefits since my health massively deteriorated over past 5 yrs plus and work issues etc Debt credit cards £9k Car asset paid for - Parkers estimate private £4740 - £5920 (needed as long term Ill health and severe mental health,live out in country very little transport, many…
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Nationwide/Reach Out letters
Hi, I’ve had 2 letters regarding my nationwide loan that I’ve not paid since November 2025. I’m still waiting for it to default. I added the letter from Reach Out below. I know the advice is to not engage, however, as I’m waiting for an answer on write offs due to domestic abuse, I’m unsure if I should speak to them…
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CCA Request
I have paid down all my debts over the last 18 months but have 1 remaining that keeps going round in circles. It’s been through at least 5 different collection agencies, each time I request the CCA, it gets put ‘on hold’ and then I hear nothing, until another agency gets hold of it and it’s a repeat process. I’d kind of…
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Mortimer Clarke Solicitors / Cabot
Hi all, Looking for some guidance on this situation. In 2019, Mortimer Clarke issued a County Court Claim against me for around £550 on an Aqua credit card. A CCJ was entered by default as I didn’t respond due to mental health issues. The CCJ is now over 6 years old. In 2021, Aqua refunded £100 for unfair charges. Those…
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Default Should I Start Paying
My Barclay card has now defaulted and the debt has been sold to PRA and they have passed onto moorcroft to collect payment, do I start paying moorcroft or ignore and wait them to return it to PRA?
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Got myself in a right mess!
Hello all, I've got myself into approx £45k worth of unsecured debt over 1 loan and 5 credit cards. I'm not currently in any arrears, and 3 of the 5 are on 0% interest at the moment. Due to some changes at work, I can see this spiralling out of control. I've entered all my details into stepchange who advised a DMP over 8…
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Advice needed ASAP please!
I had something on hire purchase from Perfect Home and I paid a lot of it off when they went into administration. I had a phone call from someone at the store and they said there was nothing left to pay. Anyway, a while after, I started receiving letters from a company called Perch/ACI saying that I owe £xxx of money…
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Paying off Mortgage
Any advice on how to pay off a £35000 mortgage in full funds currently held with Nationwide Building Society?
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Very new here, not new to debt
Hi, I think my situation mirrors a few people, high debt, not told my partner etc. I have 40k in card debt. I have a loan and a loan that due to finish in 6 months with my parents. My outgoings and card payments leave me about £300 short a month. I earn a decent amount which has helped and hindered me having to do…
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Tired of just getting by
Hi everyone, I have been steadily racking up more and more debt since leaving university. I am from a low income background and at the end of my degree I didn't have the option of returning home as many of my cohort did. I was thrust straight into private renting with no understanding of council tax, income tax or anything…
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unknown debt request from arrow
hello we received a letter dated 11/10/2024 from a company called arrow, no idea who they are... the also had another letter inside from a company called opos.. both letters was claiming that they took over a debt on 1/06/2023 and say we owe a debt of £250 from Shop Direct (Carval).. that of we have no idea who they are…
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Lowell letter advice
hi all I am on a self run dmp plan. Lowell just sent me a letter saying may send someone to the house. Do they actually do this?
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CCJ for ex-landlord's council tax. Help filling out an N244
Hey hey, Got an email from a debt collection agency that had a CCJ attached to it with an old and wrong address. This is for an alleged council tax debt of 1,200, relating to student accommodation I rented in 2022, long story incoming: I've lived in this room in a 4-bed flat in Wales as a student and was exempt from…
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Vanquis default - had no idea until I saw it on ClearScore
I need some advice I’ve been making temporary arrangements with a few of my cards whilst unwell multiple chronic illnesses I missed two on Vanquis and was £30 in arrears . I’ve been in touch and now back up to date . This morning I’ve noticed a default on my ClearScore saying added January is there anything I can do as I…
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Confused
so I'm wanting to pay off some debt with a Jaja balance transfer card I've been offered a 0% intrest 0.99% fee for 24 months I need to pay Currys creation and very which are both coming to an end I will pay these on my virgin % on purchase for 12 month the do a balance transfer to the Jaja will I be charged intrest on the…
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Most recent: Awesome August's No-Spend Day… by beanielou
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