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CCJ N244 or Consent to set aside - urgent help needed
Hi all, I recently posted about a CCJ that has been made against me, long story short I was away for work for 9 weeks and found out via email 2 days ago that there was a claim made against me from PRA. I went back to my address that they have yesterday and there's no claim pack! I have tried to get an answer from a…
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DMP - Settle or continue?
Hi all Looking for some advice, I've been on my DMP since March 2023 - Vanquis £3000 loan (Not defaulted just showing missed payments on credit file) Lloyds CC £2300 (Not defaulted just showing missed payments on credit file) MBNA £5000 CC - (Not defaulted just showing missed payments and actually up to date as DMP were…
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Please can someone advise me and help me.
Hi. Please help I want to apply for a DRO I'm in wales. I understand what is needed payslips etc. My concerns are my partner. Her finances are completely separate to mine and has her own own debt and also don't work and earn as much as me. Also said she doesn't want any involvement as its my debts as we don't share any…
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Ignoring unsecured debts
Hi, has anyone ignored debts? I am tempted to ignore one. I just couldn't be bothered with them.
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Loan to repay cards that don’t mean you increase total credit
I’ve got myself into credit card debt I’m now struggling to repay as interest adding on means what I can pay each month is having little to no effect. I’m not eligible for any balance transfers or loans as they all see this as me trying to increase total credit, whereas all I want the loan company to understand is I would…
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Partial settlements - Virgin and Capquest
Hi all, I just wondered if anyone has experience with these two debtors. I've now partially settled the majority of our debts successfully but Capquest are taking ages to come back to us and Virgin said we have to go through Stepchange. I spoke to Stepchange and said once I'd settled the rest id then ask them to liaise…
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Im scared lowell
So i have a next directory debt which ended up with a default in 2017 this has now came off my credit file im having hassling letters from lowell sending court letters for a ccj is this right can they do this?
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Anyone experience with ACI?
Hi, my loan was sold to ACI a couple of months ago. Original amount £2,034.94. I made an opening F&F offer of £750 which was rejected and the lowest they’re offering me with partial payment shown on my credit file is £1725 with £1929 being the offer if I want full payment shown on my credit file. Does this sound about…
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CCJ advice for N244 (CC debt)
Hi all, I'm in a bit of a situation regarding an impending CCJ and was wondering if anyone had been through a similar situation with positive news, as I can't afford close to 4k at the moment. I currently have a bit of debt behind me that I owe and have had a precarious career the past couple of years working freelance in…
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Defaults - 6 years nearly up.
I’m new here. I have been debt for years after leaving a really abusive relationship. I have 3 defaults on my credit report. Two with Lowell and one with Cabot. They total to around £713.00. I make two small payments each month one to Cabot and one to Overdales Solicitors. Two of these defaults hits the 6 year mark in…
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Financial advisors / accountants who specialise in debt?
Hi there, I am gutted to say that I have been in a debt spiral for some time. I have a considerable amount of credit card debt, spread across several cards. I have just managed to sort it so none of them are earning interest, and I’m lucky enough to have a relatively good job in terms of pay which means that I’m just about…
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Court claim form received
Hello all, I am in my final year of a bunch of defaults. I had a Lloyds credit card that was sold to PRA and the default fell off in July. The debt was unenforceable for many years as they couldn’t send me the CCA but recently they have provided one and have sent me a county court claim form. Not sure how to proceed. The…
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Help understanding Interest Rate
Hi all, So I'm setting out on my own mission to get a handle on my debt. I've sorted a few smaller bits, but I have 2 "big" cards and I'm trying to work out which has the highest interest rate, but they seem to both use different metrics? Card 1 says: - Simple standard rate p.a. 30.93% (35.7% compound equivalent) - Simple…
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trace debt recovery
I have 3 payments that are £170 each and the trace group said it's now their escalation department and if I don't pay it's going to their solicitor should I pay I don't know what to do
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Credit Card Arrears - Letters Suggesting If Things Are Not Resolved Soon. They May Want Full Balance
I am in credit card arrears. The only solution to pay them was to find a second job, which I did after more than 100 applications and 6 months of job searching. I finally got a job after all my efforts, and it is a bad one. Struggling supermarket taking it out on their minimum wage employees. I now have real doubts that I…
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Considering DMP but confused on the process
Hello everyone, I have been reading through this forum and the advice on offer has been very helpful, however I'm still a little confused on the process. I have read that I should wait until I default on my payments and then set up a standing order and pay what I can afford, does this follow a formal discussion with my…
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Partner’s Debt
I have been with my partner for 10 years, we have 2 children together (one pre-school and another 6 month old baby). We have separate finances and our home is mortgaged in my name only, though he transfers me a set amount monthly to cover his share of bills, including a portion of mortgage costs. I have had my own…
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question about ccj's
can the purchaser of an old debt with a ccj and court ordered payment plan get another ccj to change the payment plan or take a hold on my house.
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DMP to CCJ Charging Order Help Appreciated
Good morning, thank you for reading, this is my first post on here, having spent hours and hours reading through the forum and far too much time on google too. I have managed to get into a debt to the tune of over 100,000, caused by a poor budgeting and an old house that has needed deeper pockets than I have. I've followed…
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Lowell debt close to being statute barred HELP!
Hi, So I need some advice because we all know how stressful dealing with lowells can be! I'll try and make this short.... I took out a loan with Lloyds bank a long time ago but made my last payment on 17th Dec 2018 (so very close to now being statute barred) Following a relationship breakdown and a mental breakdown I…
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