-
Random email/ texts/a letter from opos !
Hi there...wonder if anyone has any advice? 7 years ago, ready to pay off my horrendous debts, I became a live in carer earning £720 a week. Grabbed the bull by the horns and paid off 3 credit cards, closer to paying off the £14300 loan with Lloyds Bank- another £2000 and I'm done .All this as well as paying my sister's…
-
Letter before claim - help wanted
This discussion was created from comments split from: DMP mutual support thread part 13 !!.
-
How to stop calls from Lowell
Longish story. About 6 years ago we got a lot of calls from Lowell asking to speak to woman (name is always the same but don't think I should put it here) who we had never heard of. This went on for a few months and then stopped. At this time I had had the phone number for around two years. About 6 months ago these calls…
-
Debts vs saving vs house repairs
Hi, so I have such a heavy heart as I type this and I just don’t know where to start!! My husband and I are in £35000 of debt made up of loans (for a car), car on finance, Loan from friends and family and Credit Cards. but, we are now in the position where the house (with a mortgage) needs some repairs and we’ve got no…
-
Defaults
Hi, Please could you advise me whether I need to contact lenders as each of my debts default? Ideally I would like to wait for them all to default before starting a self-managed DMP, but I’m wary about further action being taken, such as a CCJ, etc. Thanks for your help.
-
My dad is undergoing a potential diagnosis for dementia, has accrued over 50k in debt in past four y
Hi guys, I (26 F) desperately need help on this, it has made me extremely depressed and suicidal. My mother passed away 5 years ago when I was 21. She was the matriarch, she took care of all the finances and made the big decisions in the family. She would do everything, literally everything concerning the household. My…
-
Need help with c£35k debt
This discussion was created from comments split from: DMP mutual support thread part 13 !!.
-
Dmp and defaults
I am starting a dmp and the first payment goes through 1st March. I have already had a closure letter from main creditor bank of Scotland for the 2 loans and 2 credit cards. They have stopped charging interest and will close in 2 months and pass to another company. The 2 credit cards are being defaulted. Haven’t heard from…
-
Treading water, but the debt is winning...
Hi all, I am 36, currently unemployed and suffer with mental health issues. I have accumulated roughly £30K in debt across various high interest bearing credit cards, overdrafts and loans. I currently receive £875 in Universal Credit although my rent is £975PCM +++ My PIP was declined even though I have mental health and…
-
Creditfix Iva
Hey guys, I won’t lie I’m stressed to death. I agreed to an IVA with Creditfix then I realised it’s not for me and I’m looking to stop the process, there hasn’t been a creditors agreement yet until the 4th of March, I rang today a few times to see if I could get in contact with someone to cancel this and they have kept…
-
Avoiding Set-Off risk - are Halifax related to Lloyds?
I have CC debt to Lloyds which I am struggling with. My main bank account is with Halifax. Is there a risk here that money in my Halifax account could be taken to pay Lloyds CC should I ever need to stop payments? Do I need to look at a totally seperate account? Thank you xx
-
Debt buyers v collectors?
I have 3 credit card debts managed by debt buyers (Cabot and PRA) and 2 being chased by Opos collecting on behalf of Tesco & Nationwide (both defaulted). Should both Tesco & Natiownide debts be enforceable, my intention is to make monthly payments and save for f&f offers. When do I start engaging with them? What powers do…
-
IVA
Hey I’m looking for some advice, I applied for an IVA and signed the contract, the creditors meeting isn’t until the 4th of March. I have really changed my mind about my options and I don’t want to go forward anymore, is it too late?
-
Help required .... In a Mess!
I have got into a credit mess over the last 5 years. I changed jobs for a lower salary employment because of mental & physical pressure. Unfortunately Covid came and then increases in fuel, food etc etc. I have subsidised my living expenses with Credit Cards & Personal loans and although I've struggled with minimum…
-
Deduction of earnings
Hi, I have just had a letter from DWP saying they have contacted my employer to set up a deduction of earnings for an overpayment of tax credits when I was a struggling single mother. They are threatening to deduct 15%. I can't afford this. I am on a DMP. Any advice? I owe them £2282....
-
Old CCJ
Hi, Can anyone help? my friend had a CCJ in 2001 with capital bank for £2.60 a month which she was paying over at £7.58 a month for a long time. For some reason it was passed to LINK in 2006 who recently tried to set up a direct debit without her authority for £34 a month?? She blocked it with the bank. LINK have never…
-
Loqbox review
Nearly completed my 12 month agreement..no improvement in my credit score!! Then I will need to get new bank account which may affect my score.why did I bother?? Can't get a response from loqbox sick of emailing
-
Family Debt
Hi all, This may be a long one, so apologies in advance, but I really need some help. I am in a very difficult situation at the moment. My partner and I were renting for 5 years (the rent was £725). We experienced a lot of financial difficulty, ran up a lot of credit cards, and had a few loans. We tried to consolidate the…
-
Ex-partner - debt collectors
Hello, My boyfriend and I recently broke up. I am a home owner and he lived in my house with me for several months. Although everything is in my name (mortgage, all utility bills etc), he did register with a GP in the area and gave my address, gave my address to his workplace and also a few other things like register his…
-
Been very stupid which I know but need help
Myself and my husband have had a dmp with Payplan for 13 years and it is still ongoing but in 2015 we both got made redundant within a few months. This started a new spiral of debt that along with many other things like being self employed during covid and not finding work has meant that we took on more debt over the…