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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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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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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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What would you want from an MSE SOA calculator?
Hi everyone, The existing SOA calculator has been a huge help to MSE Forum users for many years. It has supported countless people in setting out their finances clearly, getting practical feedback, and taking the first steps towards sorting things out. We’re tentatively exploring whether an MSE version could be useful, and…
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Old joint account overdraft debt
I am after a bit of advice from some of you rather fantastic people. I broke up from my ex about 12/13 years ago now and at the time there was a lot of debt between us. I have managed to pay off all the cards and debt that has been in my name, however there is a debt that is against a old joint bank account for a unpaid…
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Brodies on behalf of PRA
hi guys, I have received a letter from Brodie’s on behalf of PRA (barclaycard debt) stating ‘notice of court action consideration’. I did a CCA request to PRA in 2023 and I’m still waiting…just double checking this letter isn’t anything to worry about? Says court proceedings may be taken against me if I don’t pay by 10th…
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At my wits end - I don't know what to do
I entered into and IVA last year and after 12 months I lost my job and had a mental health crisis. I stopped paying the Iva and I think it's been closed now. I want to get on track with paying things off but I don't know how to get started again. I would be ever so grateful for any advice from anyone. I'm not currently…
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D(MP) Day! 1st July 2025
Hi everyone, First of all, a massive thank you to: * Everyone who has shared their experiences with debt – it’s incredibly reassuring to know I’m not alone. * Everyone who offers advice and support – this forum has been a godsend. I’m currently dealing with around 46k of unsecured debt: * MBNA Credit Card – £17,000 *…
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DMP vs non DMP advice??
Hi everyone, I'm looking for some advice and people's thoughts on my current DMP with Payplan and if there may be more appropriate options based on my current plan and the context of my progress (explained below). I will try and explain the situation best I can (but can add any other helpful information in replies should…
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Success with challenging Final Charging Order?
Hello folks. For background, I am in debt to the tune of £60k (all consumer debt), £11k of which is owed to a bank. My creditors have been good to deal with overall and I am in a self managed DMP with standing orders going out each month. Everyone except the bank seems ok at the moment. Solicitors acting on behalf of the…
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Odd credit card activity...!
Hello, I've not been on this site for a while, a bit busy. Suddenly I find I'm swamped with issues. An odd email alerts me to a CC debt, though I've never had the particular card. There has been no posted communication, no phone calls or letters, bills etc. In other words, they only have this email address. No other…
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Statue Barred Time Limits and Debt Admission through Payment Plan?
Hi everyone, I have read some excellent advice on here and hoping someone may be able to guide me through my situation to make sure it doesn't get worse. I accidently set up a payment plan yesterday for a debt which was defaulted on 30th September 2020. As this debt was accrued in Scotland I believe it should be stature…
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After 4 years and 3 months on my DMP...only 5 payments left to debt free
No real point to this post, other than writing it down makes me so happy. I started my DMP 36k in debt in October 2021. Doing that DMP was the best thing I have ever done. I have lived my life, whilst paying my debts back. I can't believe I have only 5 payments left. If you are thinking of going down this route..stop…
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Debt Help
Evening all, Was looking for some advice on my current situation… I had 14 different credit/lenders which have since been sold to 6 recovery companies (Lowell, PRA group etc.) I had previously let them get to missed payments on the basis of eventually letting them all default which has happened since October/November 2025.…
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Repayment of overpayment of carers allowance dating back to 2010.
I’m looking for advice on a long-running DWP Carer’s Allowance overpayment and whether I have any realistic options to challenge the ongoing recovery. I was overpaid Carer’s Allowance due to working slightly over the permitted hours (I did not realise at the time I had breached the limit and did not report the change). I…
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Should I go down the DMP route as suggested?!
Hi 👋, I'm struggling. I'm over £30k in debt on CCs. My OH has already helped me out to pay off one, but I want to try and sort the rest on my own. Interest has now kicked in on all of them, and while I'm keeping up with payments, they're minimal. By the end of the month, I need to put things on my CC, so I feel like I'm in…
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£31,000 Credit Card Debt and My Anxiety is Unbearable
Hi everyone, I’m in around £31,000 of credit card debt
across four cards, and the stress and anxiety is seriously affecting my health. I’ve
struggled with anxiety for over 20 years, and this situation has made it so
much worse. I missed my minimum payments in March and will
likely miss them again in April. The constant…
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Newday - no contact still
I have previously mentioned I won my affordability claim back in Dec/Jan with Newday. I’ve had no letter directly from them but they sent it to the FOS who forwarded it to me. So I know my outstanding balance. When I won back then I called Newday (yes I know should haven’t) and asked about paying it and they gave me two of…
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Defaulted Lloyds & MBNA debts – no contact since 2025. Should I wait or reach out
Hi all, I’m looking for some guidance on the best next step with two defaulted credit card accounts. Lloyds and MBNA both reported defaults on my credit files in July 2025. After that, I made an affordability complaint to the Ombudsman. The Ombudsman issued a final decision in early 2026 and didn’t uphold my complaint, and…
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Unenforceable debt/settlement agreement reached
I need some advice please, struggling to find a straightforward answer! The short story is about an MBNA credit card debt that defaulted 6 years ago and will come off my credit file by the end of June. The debt was sold to Link and I have been making minimal payments the whole time. The remaining debt is just over £11k and…
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When to offer payment
Received this response to my complaint; “Zopa will no longer report the loan agreement to the Credit Reference Agencies, and we will remove the loan from your Credit File, this includes any previous negative impact including the default registered on 2026. Just to let you know, as there are multiple credit referencing…
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Persistent debts built up, 0% periods ending on cards mean its unaffordable - DMP
Good evening folks, I did post in the DMP thread but figured this is possibly worth having my own thread for, so here goes. This month is when I finally stepped back and took stock of my financial situation. Total unsecured debt is circa 70k across a couple of loans and numerous credit cards. I've been managing fine until…
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In lots of debt and need help to getting out.
Hi all No judgement please I know what I did was stupid, I was desperate, but I want to look forward. Income 2600 Bills and due dates Rent 1150 (29th) Energy and Gas 50.00 (1st) Broadband 30.00 Council Tax 136.00 (1st) Food shop around 80.00-100.00 a month Loan repayments (The problem) I'm not going to be going into more…
A place for MoneySavers to share their journeys towards debt-free living.
Forumites help each other push down their debt by setting challenges and encouraging each other to achieve their goals.
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Most recent: Payment a Day - Chapter 2026 by AntoMac
5 June at 10:54PM
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