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0% credit when credit rating low to avoid payment plan
Hi all, I'm normally quite good with money but had a few months of very low income and the credit cards I normally pay off every month haven't been paid off and are now accruing interest. I contacted stepchange who offered to help with a payment plan but this will really impact on my credit rating and I'm worried I won't…
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Creditor Letters Worry/ Query
Hi all Can I say this forum has been hugely helpful in me learning how to manage my unmanageable debt. The advice is invaluable, has helped calm my anxiety; and given me a wealth of actions to take & courage. Context: I'm about to move house and my plan is to stop paying my cc/ loan payments and wait for them to default…
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here is moorcroft debt recovery email address
after dealing with moorcroft who manage some of my debts who say contact them by phone or via their website. I have found on their website there is no email address , just generic sections you click on which the asks you more questions ,blah ,blah. so today I phoned them and asked email address please…
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Need help to get debt free and manage my spending without losing my life/style
Not an exaggeration as current expenditure is high but literally keeping me sane/alive in several respects. So please bear this in mind when replying/advising? SOA - I’m on phone and the soa apparently not set up for this so I’ve copy & pasted as best I can and hope you can understand ok. SOA Statement of Affairs and…
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my RBS bank loan CCA reply from moorcroft.
got two letters yesterday. one said here are the CCA ,statements and terms and conditions you required about your RBS personal loan. it then said account on hold until you contact us until 3 Jan . the other letter was they accept a £40 a month repayment on my RBS credit card , following my chat about my enforceable RBS…
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Admiral late payment- effect credit??
Missed a payment with Admiral due to insufficient funds (stupid me I know). They took the payment out a few days later on their second try but I will have to pay a late fee next month. Will this put a mark on my credit file? I phoned up and the man on the phone said it won’t but he didn’t really sound like he knew what he…
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Debt help, another clear start victim
Hello all, This is my first time posting on a forum ever so am nervous and also a little ashamed that I have let my situation get so out of hand but after a couple of years with my head in the sand I'm finally strong enough to tackle my debt issues head on. After reading on here and on other forums, I've realised I too got…
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who is correct, PRA or Link financial
I had created two recent threads concerning results from link, pra and moorcroft about CCA and statements requests. I posted some updates on them this morning I wish to add that PRA emailed me today stating they are waiting to see if Barclaycard can ever produce historical statements about my account. PRA produced the CCA…
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UPDATE what happens now, IMPORTANT.CCA replies.heres my offers. and here's their discount
got 2 replies today in post one is for a 10 year old RBS credit card being managed by moorcroft DCA . RBS sent ( not moorcroft) a copy of my credit agreement and only two months recent statement. they don't say it is enforceable or not , just they have satisfied my request under section 78(1) CCA and would like payments.…
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Consumer Debt Lawyer
Hi, Without going into much detail (happy to answer any questions if you have them), we have about £55,000 of unsecured debt. In 2017, with the help of StepChange I arranged to pay our creditors £1 a month and have not been in a position to increase payments since. In fact, things have got much worse but I've continued to…
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Link financial outsourcing being difficult, now got a final response.but confused
I wrote a CCA letter to Link Financial resourcing on 23rd October with the £1 cheque enclosed asking for a copy of my consumer credit agreement and a statement, I posted it to the address on their website Link Financial Outsourcing Limited, PO Box 107, Caerphilly CF83 3GG, via 1st class signed for recorded delivery. It…
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SETTLEMENT OFFER - MOORCROFT
Good morning everyone. So, i have been sent a letter from Moorcroft debt recovery about a settlement offer for one of my debts. The debt is for a Virgin Credit card that has defaulted and currently being taken care of by monthly payments through my DMP. The outstanding figure that i owe for this credit card is £4960, and…
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update on old cj
Hi I have an update on an old cj . As stated in a prior thread the cj is an old one . Lowell have come back to me and said Although the cj is over 12 years old it is a cj this means the judge has found you liable for the account and the time for you to dispute this debt has long passed as such we are unable to investigate…
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PRA Group
Hi All, I received an email from PRA group offering a 65% on my account. So i logged in and the account shows the balances. Anyway having spoken to them, they're now saying that the discount is only available on one of the small balances, and not across the board. Naive question obviously, as i know its not this simple,…
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do I get a mortgage or suffer for 2 years!
Hi All I purchased a house without a mortgage but in the process managed to rack up 24000 in debt. I can pay it off but it's a struggle, but only for 24 months in all honestly. Would you continue to go for it or get a small mortgage over a short term , 7 years ? I keep changing my mind.
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Default Notice Timeline / 2 Months Breathing Space
In your experience how long does a default notice was issued from the first month you missed a payment? The reason I’m asking because I want to trigger the 2 months breathing space after getting the default notice because I’d engaged a solicitor to recover some money from the scam but it will take an average of 8-9 months…
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Impact of earnings/work hours on DRO or bankruptcy.
So, here's my current situation -Recently graduated, got a job in private sector paying 40k -In 30k debt loans/credit cards from topping up student finance over the last 5 years -Have no assets that would be seized - Not working in finance sector, not likely to be running a business Decided to plan out the next 5-10 years…
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Resolving debt to have second child
My wife and I got married and had our first child during the Covid 19 pandemic. My wife only got maternity allowance and I initially reduced by working days to 3 days and after a couple of months went to 4 days a week. Over this whole time I got into a debt spiral and wasn't talking about it to my wife or anyone really.…
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Council Tax - Liability Order without summons
I've just been contacted by Equita regarding two Council Tax accounts. They say that Liability Orders have been granted by "the court" in September, but they haven't said which court issued them. I also wasn't sent a summons in either case. I'm a landlord, and I'm only liable for Council Tax during void periods between…
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Overdales Solicitors - High Court
Hi I have received letters from Overdales regarding a debt with Lowell claiming it has gone to CCJ and now will be passed to a High Court Enforcement Officer for a Writ of Control. However I have received nothing from any court and there is no CCJ showing on any credit report (they claimed it was put on in June). Is this…
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Most recent: NST May 2025: Film fun (+ financials) by Thrifty_Taylor
24 May at 10:41PM
