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  • Huge Debt - What are my options please

    Hi,

    I am currently struggling with huge debt approx £47000 and am looking for possible options on how to deal with them. I found this site searching for various pieces of information and it has been very helpful to read the posts and the suggestions. My current situation is as follows:...
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    Last edited by DebtIssues; 5th February 2020, 16:57.

  • InvisibleMan
    started a topic Invisible Man's UE diary

    Invisible Man's UE diary

    Background to how I got into this mess:

    Around 10 years ago I had a well-paid job and a top notch credit score. I had a few credit cards I hardly used, but no outstanding debt. I went into a lone business venture for a pension pot. I borrowed heavily through bank loans. They couldn’t...
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    Last edited by InvisibleMan; 11th June 2017, 20:44.

  • InvisibleMan
    started a topic hello!

    hello!

    Just wanted to introduce myself. I joined the forum last June, but the illness and then bereavement of a very close family member took me offline for some time. I've been dipping in and out of the site more recently and have to say I find the approach and advice bang on the money, this is the site I...
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  • shaun196809
    started a topic PRA Group

    PRA Group

    Hi there,

    I have a £8.5k debt with PRA from 2005 and requested a CCA last month. They responded stating that the amount was unenforceable as they couldn't find the original credit agreement.

    I responded with a 10% offer to close the account stressing that it was unenforceable...
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  • Can creditors force a house sale to claim back their money

    Hi all, thanks for all the help you give.

    I have been on a DMP for 5 to 6 years now and want to go self managed and put my creditors on token payments until I have CCA's back (or not as the case may be). My only concern is that the creditors might choose to force me into selling my house...
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  • Billy12345
    started a topic Ratesetter loan agreement

    Ratesetter loan agreement

    Hi all

    I am currently in a DMP with stepchange and one of the members of MSE forum advised me to join this forum to check whether my agreements were enforceable. I believe my credit card will be however I am unsure about my agreement with ratesetter.

    Is there anyone who could...
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  • Let the fun commence - 6 year journey starts here!

    Hi guys and gals

    After a lot of researching and googling, i have decided to make nest on AAD

    I will list my debts soon, but to summarise i have 8 debts totalling around £35,000 (Eeeek!). It was £42,000 but i was diligently paying into a DMP via Stepchange for the last...
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  • stjjts
    started a topic stjjts UE Diary

    stjjts UE Diary

    I have committed to start a diary so I can record my progress to date and going forward. I have spent hours looking through the valuable resources that exist in forums and now have a better understanding of what to do and what to expect.

    A number of years ago I realized that I was struggling...
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  • Frosty873
    started a topic Help and advice for debt of over £80k+

    Help and advice for debt of over £80k+

    Hello all I'm new to this forum and I'm really hoping you are all a friendly bunch who won't judge me too much

    My husband and I have always been in debt for as long as we've been together, and we are at the point where we are just being crippled every month with high interest and fallen...
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  • dudedj
    started a topic Debt/income expenditure form

    Debt/income expenditure form

    Hi. Im new here and looking for some help.

    A bit of background info:

    I was in debt for a good few years starting about 8 years ago. Eventually cleared it up via a DMP 3 ish years ago. My credit score was destroyed then and still hasnt recovered but is very slowly creeping...
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  • alianza
    started a topic CCA response

    CCA response

    Hi , new here , someone recommended this site.

    I got into debt after a divorce and was in a DMP. I stopped paying the DMP in October as the company was no longer able to operate so have decided to sort stuff out myself. I sent off some CCA requests to three debts and have had back a couple...
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  • scottygees
    started a topic Advice needed.

    Advice needed.

    Basically I have been on a DMP for a while now and though it still has a way to go before it ends a lot of the defaults on my credit report are due to fall off in the next 9 months. This would then show only £3000 of debt on my file. I was hoping to try and settle this amount in the way of a full and...
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  • 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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  • 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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  • 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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