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DMP mutual support thread part 13 !!
Welcome to the DMP mutual support thread Part 13 !! Here you can find help in starting and running your DMP, self managed, Stepchange, Payplan and any other DMP all welcome here, but we do encourage you to use a free service, not one you pay for. There is help on getting interest and charges stopped, how to start with an…
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Struggling with debt? Ask a stepchange debt adviser a question
If you need help with your debts, this is the thread for you. This is a new thread, as the old one was getting a tad long. Trained advisers from StepChange Debt Charity are here and waiting to answer your debt questions. They're a friendly bunch so please don't be shy! There are three ways to get in touch: 1 - Simply post…
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Charging Order? The myth
I feel that this is so important that I thought a new thread should be made to highlight the importance of understanding the law on Charging Orders and how many people are stuck with their property in the false believe that they have had a Charging Order put on their property. In particular the thousands of Northern Rock…
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The Debt Free Roll Of Honour
Update December 2018. We started this Debt Free Roll of Honour back in 2006 and since then there have been some fabulously inspiring stories, which you'll see if you read below. To read the most recent debt-free announcements click the double arrow above to head to the last page of the discussion Back to Martin's original…
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NEW POSTERS LOOKING FOR DEBT ADVICE - READ HERE FIRST BEFORE POSTING ANYTHING !!!!!
People post on this board looking for advice on many different debt topics. However its sometimes difficult to post in the right place, so, if you are wanting general advice from our panel of regulars on your debt issues, and how to go about solving them, you create a new thread using the big red "create new" button, top…
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Reclaiming money back from various payday loan companies
Hi all just wanted to share some good news regarding payday loan companies..... From early 2011 until mid 2014 I too was caught in the payday loan trap, all my own fault may I add, I borrow the money and in the end paid every penny back, would estimate 15000 over the years maybe 20. Early this year I saw all the news…
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In Debt and Wannabe Debt Free? first Steps to take are here, please read, then ask questions.
This thread provides guidance about some good first steps you should take if you are in debt and want to get debt-free. It doesn’t matter how big or small your debt is, or whether you are comfortably paying your debts and looking for advice on where to cut back further or struggling to cover your basic needs - we are here…
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Pls remember Debt-Free Wannabe's for support and help not judgement
Martin (Lewis) made the following announcement a few years back. But the link in the stickies is broken. Anyhow, here is what Martin said: "Dear Money savers..... Debt Free Wannabe is one of my favorite boards on this site. It's also one which runs a delicate balance. Many people who have serious debts have hidden them for…
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DFW Sticky-Provit/Statute Barred Letters, Defaults, Mental Health Help and Guidance, all here.
Debt-Free Wannabe Sticky - Please read for links to important topics and help Hi folks :) This is the Debt-Free Wannabe Sticky where links to all current important tools and information will be posted. Links: (1) Those who are new to debt, and want to know where to start, check out these first steps :…
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Statute barred debts and the Limitation Act
Statute barred debts and the Limitation Act Statute Barred debts. A debt will be "Statute Barred" if there has been no acknowledgement of the debt by you making a payment or in writing within the relevant limitation period. The debt would then be legally UNENFORCEABLE, unless the creditor has already taken legal action…
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Cabot-mortimer clark
Hi is it possible to ask if you have a county court judgement from 2016 but not showing on my credit file 1) is it genuine 2) is it still liable any help please
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Looking to get debt free
Hello everyone, I'm looking for some advice on becoming debt free. My family's had a little bit more to contend with due to my partner being from another country and me making knee-jerk decisions on how to try and pay off the debts by borrowing. Is the best way to start by producing my SOA? I've also been looking at…
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In debt trouble and would appreciate any help
Statement of Affairs and Personal Balance Sheet Household Information Number of adults in household........... 1 Number of children in household......... Number of cars owned.................... [b] Monthly Income Details[/b] Monthly income after tax................ 2160 Partners monthly income after tax....... 0…
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What to do about loan debt
Hi all, I currently have a few debts which have been a real struggle to pay back. I won't bore you with the details unless you ask, but to sum up the situation: 2 credit cards (AMEX, Lloyds) 10k 1 loan (Lloyds) 18k These are personal debts. I do have a LTD company debt as well but as that's not under my personal name, I'll…
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Mortgage free soon, then what?
On 30th Nov, this year, my 5 year fixed rate deal of 1.14% runs out on my current mortgage deal. The balance will be £24,400. The payment has been £822 a month. We have also been putting aside around £1200 a month into premium bonds that we've used for the annual 10% overpayment. This has also been building nicely and we…
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Debt and Employment
So, I am currently in a DMP with StepChange and have been making regular payments to reduce mine and my partners £35,000 debt since May 2025. I have a background credit check with my employer in 2027 and I am worried I will lose my job. I work in an FCA regulated environment and whilst I am not in a management role my…
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Finally cleared my credit card balances... but now what next?
Today is a big day as after much planning, scraping and changing of habits I finally paid the last of my credit card balances off! This means that as it stands I have 7 active cards with just over £15,000 available on them. I realised that although I have spent a great deal of planning and fretting on how to get the…
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DMP Advice
Hi all, I'm currently in the process of a DMP with stepchange. Total debt is 33k across credit cards & 1 overdraft. 1 of 4 has accepted the DMP 1 has declined and no reply from other 2 as of yet. I spoke to stepchange this morning who advised me to close my bank account with the overdraft as I can't have an DMP with one.…
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Advice on DMP with step change needed
Hi all, I’ve been reading lots of the posts regarding the above issue I have and just have a few further questions if anyone can help? I’m in a real mess. I have upwards on 50k on CC and loans. 2 maternity leaves and working part time for 3 years, as well as partner starting a business has really screwed us. i contacted…
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Resolvecall letter
Hi all, This morning I received a letter from Resolvecall, apparently they've taken over a Capquest thing for me and they're going to attend my address if I don't contact them. The debt (Capital One) they're talking about is probably over 10 years old. I've had a Capital One account since with no problem and the balance…
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Advice r.e. Updraft email
Hi all This thread has been so helpful, I'm in the process of starting a DMP and currently awaiting defaults on debts, including not engaging etc. in order to get defaults quicker. Updraft (Fairscore), one of the loan providers that I have 2 loans with have sent me the below email: Thanks for getting in touch and…
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In a 40k hole that I don't know how to get out of!
Hi all, I am in 40k of credit card debt and I have no idea how to get out of it. This is a plea for help. This is across 7 creditors with amounts ranging for £737 to £9514. With 0% offers ending, I am now paying £1200 a month. Albeit on an ok salary of £63,500 a year my wife is on a much lower salary, and living in London,…
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In dire need of help, time to take control of debt
Hi All, I've got myself in to a terrible situation of overspending, partially due to mental health issues (depression, anxiety, low self esteem) and also due to a lack of control. Also to add i'm getting married next month so the costs have piled up a lot in the last 6 months. I'm now on around 50k of debt, with approx 12k…
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Disability & Unsecured Borrowing
To lay out the facts. Aged in 50s, forced to leave work last year due to declining health and stubborn employer. Live alone, I have recently been placed in the support group for ESA. Only 3% of people ever return to working from this group. it's highly unlikely I will be one of them, given my health issues (physical). I…
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want t get out of the spiral!
I would really appreciate some help please. I have tried and tried to sort this myself but have no energy left. I'll explain the background… I am 57, have always been in full time employment until May 2025. I have 2 kids/young adults aged 19 and 21, one living with me, one at uni. I left an abusive relationship 5 years ago…
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47k unsecured debt, no income living on redundancy payment.
Hi, I have 47k of Credit card debt, that is currently about to come off its 0% deals. I was made redundant about a year ago and have been living off my the lump sum payment since then. Its down to 12k left, this is my only money, I can't get UC, I can't get a job. I am getting my DB pension next year of 20k per year + 130k…
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Advice on Bailiff Letter sought please
A person known to me who has severe mental health issues, has received the attached letter today. They are under the Community Mental Health Team and a consultant Psychiatrist and have been hospitalised numerous times in the last 20 years, under the Mental Health Act. From the letter, on the face of it, they have not paid…
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PRA Group threatening me with Solicitors (Scotland) - Now with added Sheriff's Citation(s)
I have two defaulted Barclaycards which have been with PRA Group since early this year. Earlier this year I was advised by @sourcrates and others on a course of action. I sent a letter stating that unless they could provide proof of a CCA I would not enter into any further correspondence. I stated that I was aware that…
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New DMP
I am in the process of starting a DMP with StepChange due to juggling a high level of debt. My question is how will this affect my husband, we have a joint basic bills account with no overdraft and no joint debt. All of my debt is personal debt from loans and credit cards and I really don’t want to have to tell him about…
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Tackling £31,000 of Debt
Hi there, I hope this post is in the right place? I would like some help. I really want to start tackling my debts. I am 27, self-employed with a rough income of £2500 a month. I had some issues the last few years, struggling with depression and addiction. This led me to borrow a lot of money that I didn't really…
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