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Formal letter of claim issued - What would be my next steps?
Hi, I'm very confused at the moment and was wondering if someone could help. I just received an email from the solicitors representing the credit card company I owe £14,000+ that a formal letter of claim has been issued. I lost my business earlier this year and earn nothing. I also have a 5 month old baby so I don't work…
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debt caseworker interview
Please I have made it to the interview stage of debt caseworker job, does anybody have an idea of likely questions to expects from interviewers. thanks
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help please
Please I have made it to the interview stage of debt caseworker job, does anybody have an idea of likely questions to expects from interviewers. thanks
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Formal letter of claim issued - What would be my next steps?
Hi,I'm very confused at the moment and was wondering if someone could help. I just received an email from the solicitors representing the credit card company I owe £14,000+ that a formal letter of claim has been issued in the post. I lost my business earlier this year and earn nothing. I also have a 5 month old baby so I…
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PiggyBank loans and credit file abuse
I defaulted on a piggybank loan in 2013 which to be honest I was in the process of moving was only £100 I thought it had gone through as was linked to my bank card . Fast foward 7 years later out of the blue piggybank contacted me asking for the money and I noticed they had put hard searches on my creditFile a year after…
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Credit file not updated
Hi, I have a loan with Updraft ( Fairscore). I have just checked my credit report and they haven't updated transunion since 1st january - is this normal?? All of my other account on my credit file are updated.
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Income and Expenditure
Hi, I am being asked by a Debt Recovery Company to provide my income and expenditure information but can I refuse as this is my personal information? I have began paying them a fixed amount each month but they still keep hassling me for my income and expenditure information. I really don't want to share my private…
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Link Financial want to know the source of my money.
I have a self managed dmp and so does wife, for about last 2.5 years , and about 6 months ago, my only creditor that never defaulted me , link financial who was assigned my aqua credit card debt, I asked for a manual default, they promised, but didn't do it . anyway cca requests were written to creditors at the same time,…
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Making a dent in overdraft
Hi all, It’s been a difficult few months I took a few loans out to pay for my dads care (he’s now palliative with not long left) I also have rent and my sons nursery. I have gone through my savings paying for care. With all the above, even when I get paid and don’t really spend on anything crazy, I find myself in…
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Arrangement to pay markers
Hi, Question about AR markers. I understand that these stay on credit file for 6 years from when the account is settled, however does their impact lessen over time? For example…. 3 AR markers on account due to a 3 month money issue. Account brought back up to date and account out of AR but markers still showing in payment…
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Moorcroft (RBS)being awkward full and final settlement
i wrote to 2 creditors, one being moorcroft who manage my RBS Credit card debt. I asked would they accept 25% and if not what would they accept moorcroft replied today saying RBS refused and they want to know if I will still be making my monthly regular payments on my dmp, plus what is the reason for my settlement, and…
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Santander and DMP
I have recently taken out a DMP which is due to start on 1st April. Included in the DMP is my £750 overdraft with Santander, of which I had used just over £700). The bank have now removed the overdraft option but is still showing as being overdrawn. I have applied for another basic bank account with Co-op but was wondering…
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Being taken to court for 18 year old debt.
Bit of an odd one... my wife and I got into a load of debt back between 2004-2006 - personal loans, credit cards, etc.I'm pretty sure that most of the debt ended up as CCJ's. We were burying our heads so have no record of what happened with each debt. Over this period, my wife and I separated for a few years due to the…
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Previous owner being chased for foreign debts
Hello, After a bit of advice please. We bought our house in June 2023 from the children of the deceased owner. Since then we have been getting letters from Russia chasing debts in the name of the Son of the previous owner. As far as we know he lives overseas and we've been sending them back as return to sender. Today the…
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A small win but a huge one for me personally.
For the first time I felt a sense of achievement in this pain in the behind situation ( totally of my own making). I trashed my phone. Instead of just phoning up and ordering a new contract phone, as I would have done until last year. I purchased a second hand phone that does exactly the same thing for £90. Again I would…
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Clearing old debt
Hi, I've been paying £5 p/mth each for 4 old university debts for over 10 years. These debts are with dcas and haven't been with the original creditors for at least 20 years. My credit report (currently 992 out of 1000) is only showing 1 of those debts. I would finally like to clear these debts, what is the best way to…
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Council chasing charges
Hi all, I’m not sure where this goes so I’m sorry if it’s not the right area. My gran passed away 3 years ago and I inherited her flat, which I sold back to the local council a few months after. The council have emailed me today requesting I contact them to settle “tower charges” ie factor fees. I’m just looking for some…
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Can’t afford new loan
I am currently in a DMP with stepchange for old store card debt. I pay every month and have never missed a payment, it really works well for me. However 3 weeks ago I took out a £1000 loan to help with the cost of a family friends childs funeral. I know I shouldn’t have done this but I was offered it even after being…
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Debts...
I have calculated that around after 2 years I will be out of debts - Barclaycard, PayPal Credit, Virgin Money, Lloyds, Sister. And thats if i dont spend high. my income £12,500ish from April 2024 till April 2025.. I pay my dad £570+ per month for mortgage, bills etc, Sister £90+ per month for debt and Virgin Media, pay to…
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Best option clear debt and pay least intrest
I have a buy to rent flat on morgatge. Od limit 2000 remaining left 146, may need to spend £40 before I get paid getting charged 1.58 per a day intrest. Credit card 534.31 use to pay full just chnage this now to minimum Paid salary on 20th April Salary after tax £1256 Outgoing pay 550 ground rent etc ( first time as I only…
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Most recent: NST September 2025: Keep It Simple! by DawnW
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