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  1. Im in England now but all this debt was created in Scotland, 7 defaults are from 2010/2011, originally the debt was £20k. I have been on 2 payment plans a DPP and a token payment plan through Step Change. After a long period of unemployment i had to sell my house to relocate for work. Im now in a position to clear my debt. I owe 7 different amounts which add up to £15,600. I want to know if its possible to negotiate a reduced settlement figure for each debt. I wanted to do this myself as Step Change seem to have wrong info regarding the amounts i o
  2. I have been in a good job for more than one year now. I have been renting privately. Now i'm about to go and see about getting a mortgage. I checked my free credit report and i have a new default on my account. This is because Barclaycard has passed the debt onto Link Financial. I originally had 2 defaulted accounts with Barclaycard from 2011 and all my defaults are gone from my credit history. One was passed to Link in March 2013, Link wrongly put a default on my account at that time in 2013, it took a long time before they removed it. Now the other Ba
  3. Today i received this letter from a different Solicitors. What action should i take if any guys? As always i really appreciate your wonderful assistance. link LOC.pdf
  4. Hi, I have recently moved and have a dilemma how to advise some old credit card debt creditors that I have moved as do not wish to have them contacting a rented property that I no longer live at. Most of the debts are with DCA's as have been sold by the original card issuers. There are no CCA's available for the alleged debt but they are not Statute Barred yet. A couple of cards I have not heard from the original issuer for some time and don't know if they have been sold. What is the best way to phrase an advice of new address without accepting liability for the alleged debts?
  5. I have some unpaid debts in the UK but currently live abroad. I have a SIPP pension with a UK provider. Can my creditors seize this pension? Can they seize any money I draw from the pension when I reach the retirement age? Do they have to make me bankrupt to take money from my SIPP?
  6. Hi, I am negotiating with creditors with regards to CC debt. I offered them a Full n Final, and they said they would only accept if they could see 6 months bank statements and credit card statements of other debts. How should I respond to this? BR
  7. The following statement was released a few days ago by the Government. This is in response to a Daily Mail campaign earlier this year regarding individuals who have found themselves unable to get a mortgage or credit because of the existence of a judgment against them that they were unaware of (usually because all correspondence had been sent to a previous address). Depending on the outcome, this consultation could have far reaching consequences for bailiff enforcement. Currently, in relation to council tax arrears, a local authority are permitted to issue a summons to the '
  8. hi all Thanks to the great advice ive received on here, ive done some CCA requests and it seems out of my £21k debts around half cant take me to court as they dont have an original copy of my agreement. My debts were managed by payplan (they have been a complete disaster btw) but now i am writing to my creditors to ask them if i can pay the money directly to them instead of via payplan. As far as i know, payplan will only pay ALL my creditors, they wont just pay the ones with a CCA agreement for example. So taty means they are no use to me anymore and i should
  9. If you are one of the many people who have had their phone stolen by this crowd then you are a creditor of the company. If you have a judgment against them then you are a preferred creditor. Please spread the word on this meeting to Facebook, Twitter - and of course - other victims. The short url for this thread is - cag.tw/tf7 http://www.london-gazette.co.uk/issues/60744/notices/1969420/recent=10;category=corp-insolvency-winding-up-creditors;subcategory=meetings-creditors
  10. Hi I was wondering if anyone could advise me. Back in 2010 I had around £32k of debt (mostly credit cards and and a loan/overdraft). I lost my job so I stopped paying my debts, as I was no longer in a position to pay them. Over time I got back into work, however I was now being offered partial settlements on some of my debts and because of the massive hole I was in at the time I decieded the best way to clear the debts would be to take up this option and pay a reduced rate. I typically paid around 33 per cent. Using this method I cleared all but 1 of
  11. Had a good job, career, home, money, etc. Then had a prolonged period of inactivity, debts piled up, not opening letters, spiral of anxiety and stress. blah, blah. Now, for past year or so, been earning, and getting back on feet. Looking to start paying back, and deal with all my debts. Have done as much due diligence as I can, and need some pointers. I have a number of creditors, with debts totalling around 45K. Have been paying token payments of £1 to most, some more. Looking to get StepChange advice and help. But also need some idea of full and final offers to re
  12. Hello, I'm looking for debt advice (a payment break or the possibility of bankruptcy). I'm currently self employed and have been since 2006, business was good at one time but over the last 3 year my income has slowly decreased to the point where I'm working 12 to 14 hours a day, 7 days a week for very little money. I have tried to find full time work but had had no offers of employment locally in the last 3 years although I have had offers of work 200 miles away with a company I've worked for in the past, the offer of work with is still there. Unfortunately I'm u
  13. hi, i have requested the document proof from my creditors they have not provided no documents it is over 14 days, what shall i do? also where do i stand in terms of paying the debt or managing the payments. can i oppose that and get out of not paying. pls advice
  14. Sent a debt collection agency the letter with regard to "a formal request pursuant to s.77/78 of the Consumer Credit Act 1974 etc". They have written back asking for my last three addresses to confirm who I am. Any suggestions what to do next. Thanks.
  15. I am thinking of applying for a mortgage this year, so thought it would be good practice to check the old credit file. I found that a default had been lodged on my Call Credit file for £5,650.00 by "Barclays Partner Finance" ( default date has been set at 11/05/2011 ) when I am sure they have changed the date of default forward, as I defaulted on that loan way back in 2008. But on top of that, they forwarded that same debt onto a Debt Collecting agency called "CapQuest Investments Ltd" who have set their own default for the debt - Date 31/12/2009 amount £5,961.00. I am
  16. to cut a long story short I finished cancer treatment in 2012 got into a awful amount of debt my dad had cancer treatment at the same time but he died, my marriage fell apart I am on ridiculous amounts of medication including 2 types of anti depressents, i live in a housing association home which I moved to from a larger housing association house to be nearer shops as I had to sell my car as I had rent arrears I have no assets everything is in my husbands name, i look after my 3 year old granddaughter so my daughter can go to work, the
  17. I obtained a charging order in the high court on a debtor's rental property (ie not his home). The mortgage company have first charge. The property may be in negative equity, but house prices are currently increasing. 1 - Is either creditor obliged (or likely) to inform the other how much they are owed? This would obviously help in deciding whether to force a sale. 2 - Can either creditor force a sale against the wishes of the other? 3 - Can either creditor stop a sale by the debtor? 4 - Until the debt is repaid I understand the charging order will stand indefinitely
  18. I'm looking for some advice and don't know where to turn. I'll try and keep this to the facts and not waffle on! I entered into a DMP in 2009 which is due to end 2016. I have just plucked up the courage to view my credit file and am alarmed by how the creditors have marked me so differently. I assumed all would default me but have since found that this is not the case and some have done possibly more damage to my credit file than I anticipated. Brief overview: Santander cards - settled March 2013 and July 2013 - file marked 6 late payments each month from DMP star
  19. Hi all Myself and partner had an IVA that ran for two years it then failed mainly due to redundancy etc and unable to keep up with payments etc OK fast forward three years I am now dealing directly with creditors - BR not really an option as don't want to loose house What I am finding is that no money has been paid to creditors from IVA - not a bean . NRAM was biggest creditor and they have received nothing I reckon between us we handed over £20k to the IVA company - I know that I will have to trawl through paperwork and check the conditions - has anyone els
  20. Hi, This is a strange one, I'm posting here to see if a common problem. About 6 months ago Pay Plan messed up my DMP by increasing payments to my creditors without contacting me. One creditors balance was cleared and PayPlan created a new payment plan without contacting me. It turned into a gigantic mess so I sent a formal letter to Pay plan to cancel the DMP and started to self administer my DMP, as well as complaining about their mess up. Got an email response, very poor response, and decided to get new SAR details to confirm the facts before making a formal complaint to the
  21. Hi All, Hoping someone can help me. I am in the process of doing a DMP/IVA or a DRO and was wondering if I can get help on a few issues. I am only being badgered by a couple of my creditors but understandbly want to clear everything so effectively I can start again. I am in the process of contacting all my creditors for balances etc a nd was wondering if anyone had a draft letter to help me (maybe requesting I&C are frozen request) and what info I would need to ensure I get recent balances and not duplicate creditors. I have checked my credit report with N
  22. So... trying to set up plans for my GF. Wonga have replied and are cooperating, so are quickwuid. I am now trying to deal with Lending Stream who will just not play ball. 2 live loans with LS... One has been going on for 2-3 months and the other 2-3 weeks. After making the same offer to all creditors, I got this reply from Lending stream We are sorry to let you know that we would not be able to setup the payment plan on your accounts until we receive the first payment towards the account 1792016 for an amount of £XXX.XX so we would request you to make at least the f
  23. Hi Guys, Just after a bit of advice. I signed up to Experian to get a view of my credit report and there is no mention of any of my oustanding debts of creditors on there. I know I have them but they aren't listed on the report. I can see them on the Free Noddle report but not on experian. Any ideas?
  24. For some years my wife has been paying off various store and credit card debts via a debt management company who, naturally, take their percentage before paying the creditors. I have now intervened and contacted Step Change (formerly CCCS) and requested that they take over from the debt management company. Once transferred she may within a couple of months be able to clear all outstanding debts in one payment. I have seen a recent statement from the debt management company as well as an up to date statement from Noodle credit reference agency. Her liabilities are wit
  25. Hi all I am new on here. Please be gentle with me. I have posted on other sites seeking advice. In a desperate situation and in desperate need of some advice. My mind is everywhere at the moment but will try to explained fully my problems. Just recently closed down our business. Ceased trading after nearly 16 years . Its a partnership or rather was a partnership and that is the main problem to my problems. Really did not expected it but the day we ceased trading my partner basically walked away and wanted nothing to do with the business.......leaving me to deal with a real mess of ev
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