Hello fellow members, I find myself in a distressing situation and am desperately seeking advice and support from anyone who has experienced something similar or has knowledge in this area. In 2019, I completed my university education and left with an arranged student overdraft from Nationwide. Like many students, I was under the impression that I would find employment and be able to settle this debt in a reasonable timeframe. Unfortunately, the reality has been quite different. I have struggled to find stable employment, and my financial situation has not allowed me to start repaying the overdraft. Recently, I received communication from Moorcroft Debt Collection Agency, who are now demanding the full repayment of the overdraft. Their tone suggests they are prepared to escalate the situation significantly, including taking legal action that could result in the seizure of my possessions. This has caused me considerable stress, as I currently do not have the means to satisfy this debt. I wish to handle this matter responsibly and intend to pay back what I owe, but only once my financial situation improves. Currently, I am seeking advice on how to navigate this situation without escalating it further. Specifically, I need guidance on: Communication with Moorcroft: How should I approach conversations with Moorcroft to explain my current inability to pay, and to seek a temporary reprieve or a manageable repayment plan? Legal Rights and Protections: What are my rights in this situation, especially considering the threat to take my possessions? Is there any legal protection available for individuals in my position, to prevent or delay such drastic actions until I can afford to repay my debt? Dealing with Nationwide: Is it worth contacting Nationwide directly to discuss my situation, even though the debt has been passed to Moorcroft? Could they offer any solutions or recall the debt from the collection agency? Mental Health and Stress: This situation is taking a significant toll on my mental health. Any advice on coping mechanisms or support services would be greatly appreciated. Future Steps: What should be my immediate actions to prevent the situation from worsening? Are there any debt management plans or financial advice services recommended by this community? I am eager to resolve this matter and move forward, but currently feel trapped by my financial circumstances. Any advice, experiences shared, or resources provided by this community would be incredibly helpful and appreciated. Thank you for taking the time to read my post and for any support you can offer. Best regards, Dom

Thanks for your insights, everyone. To clarify, the advance was paid off before the UC claim was closed. There seems to be a misunderstanding somewhere in the process. As suggested, I'll go to the DWP website, search for SAR and fill it out. I will insist they provide data proving the debt. As for the old account, it seems there is some confusion. I had a different username, but I can't recall the details right now. I'll try to dig up the information and get back to you. Appreciate your help and support in this matter.

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Thanks for the prompt update on the PDF, it's greatly appreciated. Regarding your question about the debt, I still firmly maintain my position that I do not owe the money. I am fully aware of the specifics and implications of this issue, and I am adamant that there's been a misunderstanding or error in their records. On the matter of involving a Debt Collection Agency (DCA), I completely agree with your perspective. It's indeed peculiar that they'd involve a DCA, considering its limited power in comparison to a bailiff. I'm in full understanding that a DCA does not have the same legal authority to forcibly collect the debt. Their approach doesn't quite add up, especially if they claim to have the capability to extract the supposed debt directly. It's rather perplexing, isn't it? I appreciate your insights and look forward to resolving this issue swiftly and effectively. Let's stay in touch and continue to discuss the progression of this case.

Hello HB, Thanks for bringing that to my attention. I'll immediately edit the attachment to remove my name and reference number. My apologies for the oversight. Regarding my old account, it was registered under the name "". Best regards, Hello, unclebulgaria67 Thank you for your informative response. I appreciate your reassurances about the DWP Debt Management letters being standard. I'll make sure to notify them that they can proceed with repayment deductions from my active Universal Credit claim. Thanks again for your guidance. Best regards,

Hello, I find myself in need of your help once again. Currently, I'm unemployed and have no financial means to address this issue. I previously sought your advice regarding a problematic gym membership. With your guidance, we were able to successfully counteract their unethical practices, particularly their policy of demanding exorbitant fees to terminate memberships. Today, I face a different challenge. I received an advance on my Universal Credit due to continuous errors with my claim. In response, I established a repayment plan which was meant to come into effect during my Universal Credit claiming period. However, it seems they've decided to prematurely enforce this plan, possibly out of frustration or some other reason. I'm looking forward to your valuable assistance and advice in this matter. Best regards. fred pdf.pdf