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Overdraft and dmp question
Hi all Just wondering if anyone has any recent experience with an overdraft/current account going into default I stopped using my black horse bank account last May. I have a maxed out overdraft on that account and also two CCs with the same bank . The two CCs have just today shown as defaults. I'm just wondering if I…
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Virgin account number
Sorry if this is a silly question but I’m just curious..why would the account number on the correspondence I am receiving from Virgin differ to the account number on my credit report?
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Petition to wind up a debtor company and compulsory strike off
I've submitted a petition to wind up a company that owes me money. They haven't submitted their confirmation statement and it's been overdue for some time now, however, that's not the first time. They've previously been late and the strike-off was cancelled.The court hearing date is on 20th March, and the strike-off has…
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High court writ recovery letter
Not sure whether to add this to my existing thread or start a new one in brief i have numerous credit card and loan debts which i am planning let default I do have one CCJ for a relatively small amount that slipped through the net, (long and boring story)…i have a letter from High Court Writ Recovery..a Notice of…
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I closed my bank account. a week later they are asking for money that is overdrawn but wasn't b4
I closed my monzo bank a week ago with £0 - wasn't overdrawn - I don't have an overdraft and then i am receiving an email and text message today to say my account is NOW £69 overdrawn and i have to pay back right away? The account is closed tho and was £0 balance at the time - do i have to pay this back as i no longer have…
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financial abuse debt 4 credit cards 1 energy bill
Hi all, I have accumulated about £33K of debt which consists of 4 credit cards and 1 heating bill. Bristol energy who were taken over by BG and went bust in the end of 2021 are asking for £1500 in money owed to them. HSBC -£7 K Halifax £12 K Barclaycard - £7 Natwest (2 cards ) £6900 Some of the debt is my own (the energy…
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Can't decide if a DMP is good for me right now or not
So, long story short, I've never missed a payment, which I believe is holding my poor credit score together. Now, my minimum payments each month break me (£500). My total income is 1700, but my partner only gets 500 from universal credit as we are currently living at home with my parents. We do however pay 500 rent to…
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Seeking Advice on Debt with DRS - Debt Recovery Solutions on behalf of ebay.
Debt to the tune of £48 in unpaid views, not disputed, it rings a bell with me. I can still pay the fees via ebay, which would be cheaper, but should i deal with the debt collection service? Also, the above, althought ehy seem to have the correct deets, how can i be sure its no spam/phishing before i pay them? Anybody else…
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I am struggling, second job ideas?
Hi all, I am new to this forum long time reader though. I have around £9000 in debt between a personal loan and credit card, the card is 0% and I am making the payments to get me out of it. The problem is have is between my personal loan payments my card payments, my car repayment plus rent and childcare I am in overdraft…
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Looking for advise on what to do with spare money each month.
Hi I have some loans, cards , a mortgage and a pension scheme. I have 3 loans. 1 = 5.65% APR @ £2978.10 2 = 2.9% APR @ £13974.48 3 = 0% APR @ £422.94 I have 2 cards at 0%, 1 = £6256.53 2 = £4134.42 I have an interest only mortgage. I am able to save on average around £500.00 pm. With the £500,00 should I, A - Pay down some…
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Seeking Advice on Debt with Lowell Financial
Hello everyone, I've been managing my debt with Lowell Financial for a couple of years now, making token payments of £1. However, I recently reached out to them to discuss the possibility of settling the debt with a final payment of £210 out of the £600 total. Unfortunately, they declined this offer. During our…
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Credit card debts drowning
Hi I hope I'm in the right place...I am currently absolutely drowning and confused about how to claw myself out of the mess I've found myself in. I always had two credit cards with under 800 on each (not great I know) bit due to change in circumstances (legal care of a family members child) which meant childcare fees so I…
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Historic Debt...Help
Hello there, I have come home from work today to a letter, which contained 2 letters. 1 from a company called Intrum and the other called Resolvecall. Now I have never heard from either of these companies. On opening this letter it regarding a Debt for £4643.21 regarding a Halifax account, no account number just a…
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What is Debt Register ??
I've seen some emails to someone in a lot of debt where a collection company is threatening to log their debt on "Debt Register". They have stated Debt Register is an international credit scoring register, with whom we hold a corporate licence. Debt Register platform makes notification of defaulting companies available to…
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Car finance and credit card debt
Need some advice please. car finance: an ex partner made me get a car financed in my name last year. Payments have been made fine but he borrowed the car to a friend with no insurance and the police impounded it. they contacted the finance company who instructed a repossession company to collect the car and do an…
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Husband owes £8k to Aqua
This discussion was created from comments split from: Irresponsible lending complaints.
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Sub prime mortgages
Hi everyone, I’m reaching out for help today as I’m thinking of getting a sub prime mortgage. Long story short, my ex husband owns the flat I live in but I pay the mortgage. This is because I couldn’t get a mortgage. However, I now want to buy the flat and do some repairs. I have a meeting with Haysto tonight. Has anyone…
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Help with a Landmark Mortgage Debt
I was wondering if someone could point me in the right direction. We had a DMP with Step Change for approx 10 years after consolidating several loans to one affordable monthly payment. Over the 10 years, we managed to save and pay off lump sums off all but one of the debts. The remaining debt on the DMP was with Landmark.…
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lloyds Set-Off Question
Hi all Been getting great advice off here lately, better than that of the likes of Step Change! I have one more question though. So, I have already posted on here about the joint account I have at Lloyds with my wife, this JA is used solely for bills, has no income into it and also is not associated with any of my credit…
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Help Please CCJ Arrow
Hello, hopefully someone can help. I've had a number of defaults, they all dropped off my credit file, paying a small amount but I stupidly took my eye off the ball and stopped paying some (stupid I know) and quickly ended up with a CCJ back on my file. The debt is an old BoS debt (£6.5 K plus the CCJ costs), now owned by…
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