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Multiple credit cards
I have multiple cards and the 0% is slowly expiring. As cards start to charge interest, what's the best way to prioritise? Thank you
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DMP advice with defaulted account?
I have a large amount of debt and not enough coming in to make the minimum payments. This will not improve over the next few months. I have done an incoming/outcoming expenditure with CAB, and they said I have £500.01 left to be able to pay any debts. This is less than what my usual minimum payments are. I called my bank &…
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PRA Group CCA Request
So I did a CCA request for my two largest debts which have been sold to PRA Group. Halifax (10K) & Barclaycard (15K). They replied within 30 days with reconsituted agreements so both seem to be enforcable. My only query is on the barclaycard one; Instead of putting my full name, they put the initials of my first and middle…
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Charge on property 21 years old
Hi! No idea if this is the correct category but I really need some help. My parents had a full charging order placed on thier property in around 2003. This was related to a rental lease on my dad’s failed business at the time for £20k. As the debt was owed by all partners (there were 3) one did pay them £20k shortly after…
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Moved: Mortgage help
This discussion has been moved.
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Looking for debt help
I was recommended to post here as I'm looking for options to help with debts. To cut a long story short for a number of bad reasons (including a high spending ex who is now out of the picture), I find myself £38K in credit card debt. I'm single, 43 and was planning to reduce my hours at age 60 and wind down into retirement…
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Paragon query/ advice if poss !
Hi, . I need some advice … October 2015 my bf split from his wife . He literally had just the clothes on his back. My mom took him in as he was essentially homeless . He did work at the time. Start of 2016 he realised his wife had put them both in a lot of debt - he would work all hours and she would stay at home and be in…
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How do people stay positive
So as the title mentions when you seem to make all the right choices and seem to be getting a head then along comes something that puts you back!! if nothing to drastic but wife’s car failed mot basically best part of £600 I’m annoyed because was doing stuff to mine to ensure when my mot was due in jan hopefully won’t need…
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Flint Bishop N1 claim form received for debt I've never heard of...
Hi all. Looking for some help if you can please assist? We received two letters from flint bishop, regarding a debt of around £2500 from a tool firm, it came to my address in my name but it's absolutely nothing to do with me. Never heard of the firm or the debt. The third letter was a claim form N1sdt and indicates going…
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Acknowledging CCA
Sorry I have posted this question on an old thread regarding CCA with Ardent, however not sure if it's been seen. Ardent acknowledged the complaint of crediting £1 PO to account and refunded but still no mention of CCA and still hounding me every day with calls, emails and letters. In the acknowledgement of the complaint…
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Advice on spiralling debt
Hello 👋 really nervous to post but hoping for some advice please. I'm in a lot of credit card debt (£27k-ish across multiple cards). I've been in credit card debt before but never anywhere near this much - I had it down to around 5k pre-pandemic so more manageable, but a combination of poor mental health (which is ongoing,…
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Hoping for advice on which debt plan is right for me?
Hi everyone, I'm currently in £20,148.53 worth of debt comprising of 2x loans, 1x credit card, 1x balance transfer card, 1x store card and a vets bill, plus £633.06 owed to a friend, so all in all £20,781.59. Over the last 5 months I've been in contact with CAB, National Debt Helpline and now StepChange to try and find a…
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Notice of Appointment Letter from ACI On Behalf of Intrum
Had a letter today from ACI saying they are writing on behalf of Intrum who have instructed them to collect an outstanding debt owed to HSBC of £6,536. This is the first communication I have had about this debt in over 16 years. Do I need to send the Statute Barred letter to both ACI and Intrum? If a CCJ was raised say 17…
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Applied £1 CCA fee to account
Hi all, Started my journey about 7 months ago and starting to get defaults now. I've sent a CCA request Ardent Credit services for a next account that is now in default. I've had a letter back from them today saying they have applied the £1 to my account and not acknowledged the request at all. Where do I go from here? I…
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Restriction order
I'm sorry, I previously posted this under credit cards. Please help. I am in the process of trying to sell my property. There are 2 restriction orders logged with the land registry. One is with Arrow Finance and the other with Lloyds TSB. My solicitor has sent a letter to each to try to determine the amounts but didn't…
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What to do with bank account inc overdraft
Morning guys, I have stopped paying all current debts as planned but I'm unsure what to do about my bank account. There is a £3.5k overdraft on this account which is now over it's overdraft limit as I no longer have any money going into it and all DD's and SO's have been transferred to my new basic bank account. What do I…
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DMP length
Our current DMP for joint debt with my husband of around 28K based on our current budget paying out £100 a month will take us near on 30 years to pay off. We took out the DMP last year and intended to up it with our budget review this year, however cost of living crisis and our mortgage almost doubling that isn’t possible.…
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Newbie looking for help
Hi All, Thanks for taking the time to read my message, I have accumulated a lot of debt and I'm at the stage where I don't know where to turn to make a start on the road out of it. I am a single Mum on a good salary and I am overwhelmed with the debt management plans, Trust deeds, remortgaging options! I would really like…
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ACI debt collection for something I do not recognise
Just received a letter from ACI regarding an outstanding credit card debt with HSBC for over £6K. I have never had a credit card or an account with HSBC. My credit record is spotless and nothing like that shows on Experian. What shall I do?
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Moving direct debts to a different account for them to default
Hi all I am really new to this I’ve managed to rack up some significant debt (loans) and now feel I’m in trouble. i’ve read lots of threads on here and I feel relieved I’m not alone even though I felt so isolated. I was looking into getting a DMP, but then see threads saying that you should let your accounts default first,…
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