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defaulted x

  • shaun196809
    started a topic O2 Default - Didn't know I had

    O2 Default - Didn't know I had

    Hi there,

    I reviewed my credit file today and saw that I have a default recorded by O2, which was under my closed accounts, for £20. Of which I paid anyway. Bizarre.

    Apparently the account defaulted in July 2012 and I had no idea this happened. And especially for £20!!
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  • Start of my unenforceabilty journey

    So, in February I sent out CCA requests to all of our creditors. So far two have responded with copy agreements: Both are...

    Credit cards
    One commenced in 1994 and one in 2006 (my husbands)
    Mine has about £1700 (the 1994 one), husbands has about £7200
    Last full payments...
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  • Frosty873
    started a topic The start of a debt free life

    The start of a debt free life

    Hello all, just a little about me - my hubby and I have found ourselves in big debts altogether, and after browsing through this forum over the past few days (which has already turned out to be super helpful and supportive) we both made a decision yesterday to stop making payments in anticipation of...
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    Last edited by Frosty873; 8th May 2017, 12:13. Reason: Edited colour code

  • credit file and UE debts question please

    It's about nine years since we had problems paying our debts - first we had a dmp and paid through them and then in 2012 July we joined here and doing the UE route .

    My question is this and i think i asked it before but not the same way lo.
    If our debts are now UE but not yet SB do...
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  • Zeppelin
    started a topic Zeppelin's UE Diary

    Zeppelin's UE Diary


    Some of the UE Diaries start with some background whilst others don't seem to but I reckoned I should provide some background, partly as it might help other forum readers and partly to give Niddy and the other advisers relevant background details on specific debts.

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    Last edited by Zeppelin; 19th February 2017, 10:08.

  • Zeppelin
    started a topic DCA "League Table"

    DCA "League Table"


    Most of the debts I have are now managed or owned by DCA's having defaulted between Sept 2009 and June 2010. Mostly they're with Cabot (or derivatives like Marlin), Moorcroft and Cap Quest. Having kicked things off by inadvertently choosing one of the more litigious DCA's in PRA I wondered...
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  • Unenforceability Issues - how best to react?


    I was told about how helpful AAD is this week and even after just half a hour looking around that seems like an understatement! Could anyone help with this enquiry please? As general background I have multiple credit card accounts; all defaulted between Sept 2009 and June 2010; all are...
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  • TillyU
    started a topic Barclaycard/Link Financial

    Barclaycard/Link Financial

    In 2011, due to my personal circumstances at the time, I wrote to the original lender, Egg, offering £1 per month. Shortly afterwards, Egg was taken over by Barclaycard. I continued to pay the £1.00 per month and didn't hear anything until last year when BC informed me that the account has been...
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  • DaveyBoy
    started a topic Arrangement to Pay and default notices

    Arrangement to Pay and default notices

    Hi Niddy
    Basically I've got alot of unsecured debt that I'm now struggling to pay off. The majority of which has been used on house extension and improvement. Can't afford all my repayments each month now and have approached mortgage provider to remortgage to consolidate debt, no joy cos of my...
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  • cardiac arrest
    started a topic identity fraud

    identity fraud

    not sure if this is the right place but....

    my daughter and her partner were declined a mortgage recently after failing a credit check.
    After investigating it seems her partners ex wife has run up dozens of defaulted debts after they split but before they were divorced.
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  • Littlewoods account info gone off credit file

    Anyone ever come across this-
    I checked my credit file over a year ago and littlewoods account was on there with years of late payment markers as I was on dmp, then I decided to go down the unenforceable route and on the 08/16 they sent me a default letter. Then I decided to check my credit record...
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  • greymatter
    started a topic About SB

    About SB

    Could you clarify when the SB time run from. Is it from the DN date or from when you stop all payments.
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  • KKA
    started a topic Sale of Debt - CCJ

    Sale of Debt - CCJ

    Hi Guys
    Wonder if anyone can offer some advice on the following.

    In 2013 i was issued with a County Court Claim from an original debt owed from a defaulted balance - default date 2011.
    At the time i was making agreed monthly payments and my offer was to continue this at the...
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  • rickybalboa
    started a topic Vanquis Default

    Vanquis Default


    I have been in financial difficulty and would be grateful for any advice received.
    I missed at least 3 payment on a vanquis credit card account and received the attached default notice.
    The default notice letter was dated 19/4/16 and they asked me to pay by 8/5/16....
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  • mark62
    started a topic Victory


    Hi there I haven't posted here for a long time. This site has helped me so much and I want to just tell you how things have turned out.
    around 2002 I was extremely mentally ill and consequently ran up over £45000 of credit card debts. With the help of the mental health CAB in Sheffield I defaulted...
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