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  1. MBNA sold debts that belonged to both me and my husband. Idem bought mine, Moorcroft bought my husbands. I emailed Idem regarding reduced payments that I would make, and eventually they responded agreeing to my reduced amount. However, Moorcroft ignore emails (sent day after day) and they will not reply despite my husband requesting that they not call, but put in writing instead. They call anyway, and to whomever called, I asked them not to call, but to respond to my husband's emails - however, the chap then called my husband's mobile immediately! I got
  2. Hi. Been paying Stepchange for over a year now. Various Credit Card + overdraft debts totalling just over £30k. I will be in a position to clear them next year if I can get F&F acceptance at around 35%. Should I also be seeking to obtain CCA's to see if the debts are enforceable and also look at unfair charges etc on the overdraft (Santander) Also possible unfair charges on original account when it was A&L
  3. Hello, I started a DMP with Stepchange about 6 years ago with £150k of credit card and personal loan debt. I have paid about £80k via Stepchange over the years and about £70k remaining balance (including personal loan interest). I have been paying £800 per month split pro rata via stepchange but due to change in circumstances can not pay much at all anymore! Have yet to contact Stepchange but have cancelled the DD with them just now. I need urgent help and advice!! Should I arrange to pay them £1 per month instead for now through stepchange and CCA them all in the meantime
  4. Hi all, Just looking for some advice on what I should do going forward. For the record I am a resident in Scotland. I have accrued around 47k of unsecured debt among six creditors in the UK. 1 Ratesetter £23.8k P2P loan 2 Barclaycard CC £4.9K 3 Tesco Bank CC £5.9k 4 Virgin Money CC £6.2k 5 Hitachi deferred payment £4.5K 6 V12 Secure Trust Bank £1.8K I am now at a point that I am about to start missing payments and will end up defaulting. I have spoken to step change who have recommended a DPP under the Debt Arrangement Scheme as I have a flat with equity that I w
  5. Hi I have two ex Santander debts - £4k loan / £1400 cc which were in a Step Change DMP that ended in 2016. These debts are now being chased by Westcot. I received a letter for one of the debts on Saturday, and today Westcot have started calling me. I have not responded yet. I am aware of how aggressive Westcot are, Ive had previous dealings with them. The debts themselves are from around 2011. The letter from Westcot states they are looking for an 'affordable' payment plan. No mention of court has been stipulated yet. I really do not want to have to deal with Westcot again, as they ma
  6. Hi, I’ve been on a DMP with StepChange for 10 years and have never missed a payment. I still owe 12k but have been offered 5k by a relative. What are my chances of getting this accepted as a full and final settlement? The companies and amounts involved are two accounts owing 5k to PRA, one with 1400 to Link and one with 700 to Westcott. Only the Link debt shows up on my credit file. Advice appreciated thanks.
  7. Hi Guys Sorry Ive been meaning to get to this but have just not had the time. I am looking for some help on some debts that i have, things are getting out of hand and i feel i can no longer manage them. I was looking at a DMP but one of the other guys on here said to set up a thread before i go down that route. I'll start off by listing the debts i have and with who and then see what you think. Creditors: Aqua Credit Card: 475 (25 in arrears) Barclaycard: 450 Capital One card: 450 DRS Ardent Credit: 375 Lending stream: 847 LLoyds Credit Card: 1200 LLoyds Overdraft: 1200
  8. My husband at 55 has just been diagnosed with young onset dementia, he has £52k in unsecured debt in a DMP and we have mortgage arrears I have been managing for several years as he was being treated for anxiety and depression, I assume caused by the mis-management of our family finances ( a seperate issue), something that only came to light after he was made redundant in 2012. My question is how to move forward - I am unable to pay these debts (in his name) as I only work part time and have no idea how much longer I will be able to do this with his diagnosis and need for care and h
  9. hi I'm new to this I have been with a debt management company for a few years and have huge debts mostly Lloyds loans. Some had ppi which I have claimed back over the years should I of tried to claim as I have been off sick since 2003. i have read i can request agreements what would this achieve?
  10. Hi all I have been on a DMP for 12 years. I have inherited a little money and want to clear down the remaining debt. I have written to all the creditors and made offers of approx 30% of the outstanding amount split proportionately between them. The total outstanding is £7500 and allocated funds are £2500. I could be pushed to clear in full if I had to, without borrowing, but would rather clear for significantly less. I have so far received one reply from Cabot, the largest of the debts, refusing my offer, and suggesting I pay £3856 to clear. I've listed below the
  11. Evening Peeps, newbie here. I used to be a member a long time ago and found the info on here very helpful. So thankyou ! I have now got a clean bill of health on my credit score, but still owe debts to various DCA's. My question is - can a DCA still try and issue a CCJ, even after say 8 years of the original default account ( notice of default has been isssued ) - my accounts have ALL dropped of the various CRA's as they all defaulted many years ago ( over six years ago ) - I am still paying them via a DMP. To summarise all debts are over 8 years old now. And I a
  12. Hi My partner and I got into a lot of debt after we became self employed in 2004. When things got bad we kept the company from going under by using personal credit cards. Credit was easy to come by; we had one credit card (MBNA) with a 20k limit, as well as several others. Following a heart attack in 2006 I had a Critical Illness insurance payout, and used much of the 47k to pay off some of the larger debts. However, when the credit crunch of 2008 occurred, business suffered and the debts piled up again. We took out a DMP in 2012, costing £50 month in fees and payi
  13. I'm finally starting to get my credit file looking better but I now feel I may need to start a DMP. I can probably just about pay bills + debts but I'm struggling and in Feb I *may* be going to uni so my income will reduce to about half. I pay the household bills through my bank account and my OH pays me his share. How would I work that into a DMP? Would I ignore his money and budget only my half of everything etc? My debts are: Natwest loan - £5000 Credit Union loan - £1550 (paid through wage so isn't an issue yet) Avant loan - £1900
  14. I'm starting up a DMP through Payplan and natwest is one of my creditors. I have given payplan all the correct details in terms of account numbers,addresses etc but natwest are saying that the information payplan have given them is incorrect so they can’t provide a balance on the account, the details they hold are different. They have asked if I call into a branch. I don't really want to do this as I don't see the need to, other than to confirm to them that I am now dealing with payplan. Will they want me to have a sit down with them? That is not going to happen.
  15. I'm into a DMP about 6 yrs now and through here have realised I've been cash cowed by a couple of the pre 2007 one's One card has not been part of the plan for some reason, never been paid and is on the cusp of Statute barring and I likely won't hear from them due to a CCA request thanks to you guys...now for the rest of them to be CCA'd Two stupid questions : Obviously part payments have been appearing on my records due to DMP but the original 5 yr old defaults will possibly drop off next September ...... is this correct? Like most I want to increase credit scores for so
  16. Sorry if this is long winded, will try to get all info here on 1st attempt 5 x creditors total outstanding approx. 46K Barclays loan with Cabot – debt purchased by Cabot Barclays overdraft with Barclays Recovery – debt still with Barclays Store card with Cabot – this one is clear, see below Mint card with Westcot – not sure if bought or just being collected Barclaycard with Mercers – not sure if bought or just being collected Store card with Lowell – not sure if bought or just being collected All were in default but now expired (2016) on credit report,
  17. Looking for advice on this as I have only been made aware of S86D CCA. I have been on a DMP with Payplan for over 6 years. During this time Barclay's have continue to charge interest albeit at reduced rates on my two cards. I don't believe that they ever sent out a notice of arrears for the accounts at any time. With S86D in mind am I right in thinking that they therefore have not been entitled to charge interest. Whilst I have had AP markers for the entire period they have backdated defaults which will mean that they drop off within the next couple of mo
  18. Hi all I am after some advice. I am currently on a DMP through Step Change and I have been paying £422 a month for about 3 months now. I am due to inherit some money so I want advice on paying the debts or ‘settling them’ as I have seen in previous posts. Full and final is what I have seen crop up a lot. The balances are as follows; £27,814.00 – Sainsburys Loan showing as ‘1 month late’ on my credit report £2,265.00 – Halifax Overdraft £2,028.13 – Halifax Credit Card £3,826.00 – MBNA Credit Card showing as ‘1 month late’ on my credit report I have seen posts abou
  19. Hi. I'm on a DMP with step change, currently paying back debts of £12k.. received a letter today saying i had broken the agreement on a default notice and now they want paying I'm full the amount I owe them.. . I don't understand why. Currently paying £724 a month..never missed any payments with them. Any help.of ideas. ..im scared about people coming to my door. Can they do this before a court order. .if it gets that far. ..im paying everything im.asked too...
  20. I've been on a DMP now for over 7 years and am looking into what I should be doing now. There are 6 accounts remaining on the DMP, 2 of which have been reassigned and are wtih Debt Colletion Agencies, the other 4 are with the original creditors. Default Notices were served on all these accounts and my credit file is no longer affected by them. I've had a look through some of the threads on here and it seems that I should be issuing CCA requests to the DCAs at least to see if the debts are enforceable. Just wondering what the position is regarding accounts stil
  21. Apologies if this is a regular question ... I took out a series of PayDay loans in Apr-July 2012, rolling over each month with the same company. Eventually I got the bank to issue a new debit card (said I had lost old one) to break the CPA and default the loan. After several difficult phone calls I got them to agree to a DMP where I paid off the loan in £10 installments per month, which I have been doing ever since. Now my credit file lists these payments as against a regular loan - an 'Advance against Income' . The loan is dated as starting the day I fa
  22. Hello This is my first post, so please bear with me. As you will have established from the title, I have been stupid recently and have taken out credit via a mail order catalogue and four payday/short term loans. I have always had a volatile relationship with money, which I think has stemmed from my chaotic upbringing (my father got himself into a lot of debt and I was sent out to work from the age of 12 and up until I was 27, I was paying him to help him out each week. The time this ended was when he died (hence it ceasing when I was in my late twenties).
  23. I have just been reading through this thread and found, it is a very similar situation as I have. I entered a dmp in March 2009 and one of the accounts included was an MBNA CC. The account was never defaulted but marked with a dmp marker. The account was paid in full and closed in June 2013, so consequently as no default notice was served the account is still being reported on my credit file. I have contacted Moorgate as they purchased the debt to request the removal of the account and they referred to MBNA who refused to do so. I then raised a complain
  24. Hi there. Total newbie here. Any advice greatly appreciated!! I got into debt a few years ago. Payday loans the lot (multiple - it's embarrassing. I was a young stupid single Mum). Now in a decent job with teenage kids. Went into a DMP with Debt-line who then were sold to Lawrence Charlton. Have been paying £130 a month dutifully since 2013. Although the charges went up significantly when Lawrence Charlton took over I felt safe so kept on with it and owe about £18k to my creditors now. Lawrence Charlton are stopping all DMPs and said I should tran
  25. I was with pdhl I'm now in a worse state than I was b4. I went with a debt company for 3 months can't remember their name and they said they were no longer doing dmp and said.they gave my account to pdhl I was paying 115 a month which was meant to be a 5 year plan. I was paying 15 out to the debt to them once I was with pdhl I was paying 15 like the others company as the honored the contract I stopped receiving emails and all that from pdhl would get a statement every few months after a year I noticed it had gone up from 15 to 25 I was paying
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