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If I were to die would my house HAVE to be sold to pay off these debts?
I'm sorry if this is not the right section so please delete if so. And sorry in advance. While I am not planning on going anywhere anytime soon I have been very ill lately and it is something I have been thinking about. I am going into hospital in two weeks time for a small operation and it's playing on my mind. My plan is…
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oh my life...... Light Bulb moment.
Well, I am posting for the first time and starting a new thread all in one - I joined yesterday and am I so hoping that doing this will help to keep me on track with facing and resolving my debt. I am ashamed and embarrassed - both at the debt and at how long it has taken me to face up to being in debt and deciding to…
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Please help with Full and final offers and what to do!
Hi guys, I'm writting to get advice on some of my debts that i am trying to sort out. The debts are: NCO Europe (used to be Very) - 153.72 Moorcroft Group (used to be Argos) - 173.15 Capital One - 356.06 Arc Europe (used to be Nationwide overdraft) - 597. 37 PRA group (used to be Barclaycard) - 876.98 PRA group (used to be…
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Capquest / Resolvecall Lloyds Bank old credit card debt
Capquest have started sending debt collection letters to my neighbours - this looks like a deliberate tactic as they know my correct address. Default for the debt issues in 2015, debt statue barred and wrote to them about this before. What would be the best way to resent to ths letter
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Debt letters for non-resident family member
Hello, My mother is getting letters from various debt collectors at her home addressed to my nephew. The debts have nothing to do with her, they are all my nephew's from a time when he lived on his own at a different address. He is not resident at my mother's address. How do I deal with this on behalf of my mother? My…
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DMP and the consequences
Hi all, I think I will be shortly entering into a DMP with stepchange. I’m just cautious as I’m currently renting a flat which isn’t the biggest space, I would be looking to move to another rented property in the not too far future but I’m just wondering if this would even be possible if I’m on a DMP? I’m also worried…
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Cabot Financial Offering 75% Discount
I have had 3 letters today offering me 75% discount of each
debt total saying around £8500, they say I can either pay in full or over 3
months, but they can be flexible depending on my situation. My question: Does anyone know if they will offer me the
discount if it takes longer to pay it off, say 2yrs? NOTE: Please don’t…
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Default question - Marbles CC
Hey there, I am in a Protected Trust Deed at the moment and my Marbles CC was sold to Link during the Trust Deed. On my Credit Report, I have the Marbles CC showing as a Default with a £0 balance and now a new seperate entry from Link for the value of the Marbles card also showing as a Default. Essentially, I now have 2…
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old cj
Hi, Had a letter off lowell about three weeks ago stating amount of debts . I agreed with all but one and that has me confused They say the cj is from 2006 and they want it paid . They have said its been removed form file and public register due to age . Do I acknowledge this and bung it in with the others i am paying ?
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Time to get my head out of the sand (with SOA)
Hi all, It's my first post here and I'm looking for solidarity, encouragement, and if anyone has any suggestions that I haven't thought of. :smile: I've been struggling to make ends meet since my PIP was stopped last autumn. I don't think it should have been, as my condition hadn't changed, but at the time I was in a bad…
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Resolve call / Capquest
Hi, My partner has received a letter from Capquest/Resolve call today explaining the account has now been passed to the latter for a home visit. The debt must be over 20+ years old, and they have never acknowledged it or made any payments towards it. There is a Ring doorbell at the address, do I have to answer the door if…
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How to manage clearing our debt
So hopefully nearly at the end of our debt story…but need advice. been with stepchange 10 years ….8 to go. We owe 26k . We are in a much better situation with our mortgage now paid off. Our income is less than our last annual review But obviously we have no mortgage now🥳 therefore more money left over each month. we have…
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Paying off secured loan
Hi, I currently have a secured loan with Barclays Finance where I am paying quite a chunk per month, the secured loan is due to finish in 2026 when it will be fully paid. I am currently trying to find ways to reduce my monthly outgoings as I have other debts which I need to clear and have taken action with these. My salary…
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Old debt - advice
My husband has received a letter from a solicitor- Nolan’s- requesting payment of an old loan that had defaulted 5 years ago. We don’t recall getting any letters before this - this letter is quite forceful stating if we don’t pay (£12,000) within 7 days they will issue a decree which will last 20years! The previous week my…
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Help with Settlement of Debts!!
Hi My current Debts. All debts passed 6years on Oct 2023. Mortgage in India -£14000 ( interest bearing 11%- So currently focusing paying this one) Below debts are on TPP. HSBC : £8152 Defaulted in Oct 2017 ( Not paying anything since Feb 2023 - No interest ) ( HSBC claims this is closed, but on my credit report is still…
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Helping someone in financial trouble
Hi all, I'm trying to find a way of helping someone with nearly £8k on credit cards with approx 30% interest and very much paying off the interest all the time which is £300 or so a month. My own personal credit rating is good and I am eligible for good cards and loans but I don't want to jeopardise my own situation and…
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CCJ help please
I recently found out on a credit check that I have a CCJ from during the covid pandemic that I knew nothing about. I have spoken to step change and the citizens advice and have paid to find the case number etc. I now need to find the creditor as I have no idea who it would be. I have been told to call or email. I have…
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Moorcroft vs PayPal - who should I be paying?
Until recently I was on a DMP with StepChange but ended up voluntarily after advice on here. I'm now sorting out my payments with providers myself and it's mostly going smoothly. However, I've come across one major issue. I was in debt to PayPal Credit but this seemed to have been passed over to Moorcroft Debt Recovery.…
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credit files
I have accessed all four credit files via check my file . All the information is correct . 2 CJ BOTH fall off my file next year last in june, 6 defaults come off 2028. I have no desire to access credit again My home is secure will not be looking to buy/rent anything .I do and have started a saving pot for emergencies ie…
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Multiple Lowell Accounts - F&F Offers
Hi, I have 6 account with Lowell. All defaulted around the beginning of 2020. I want to make F&F offers and have downloaded the template sheet. Should I send one letter with a low ball offer on the total for the 6 balances or should I send 6 individual letters for each account? What is everyone’s experiences with Lowell…
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