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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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I and E form from Castle Community Finance
I'm just starting out on a self managed DMP I called CCF as this is a credit union and you knowledgeable folk advised me to keep them happy. The telephone call to them went really well the guy was very understanding and helpful and told me to fill in and Income and Expenditure form which I have but they've come back asking…
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Affordability complaint accepted - next steps?
Hi, I wanted to start a new thread specifically on this topic so it didn't get lost in my original thread to help me get the best advice, I hope that's ok. I've been lucky enough so far that 2 out of 3 responses to my complaints have been accepted partially accepted, I still have more complaints outstanding however I hope…
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LC Asset 2 S.A.R.L money claim on unenforceable debt
Good afternoon, Trust everyone is well :-) Question pls- I have received the attached Claim Form regarding a very old Barclays debt and wanted to double check what my response should be before I say the wrong thing. In July 2022 I asked Link Financial to supply the original credit agreement and they confirmed that they…
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new debt collector after CCJ
a friend had a CCJ for a debt in 2001. she didn't pay & it was never chased up. 4 years ago another debt collector sent her a letter requesting payment, they seem unaware of the CCJ and do not have a credit agreement. Unfortunately she made a payment, They are now threatening a home visit. The CCJ is out of date & they do…
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Link Financial purchased debts.
Hi, It's been a long time since I dealt with DCA's, however, due to my disability, sickness and an elderly dog requiring long term treatment, I have, over the last couple of years fallen behind with my 2 credit cards, my JD Williams account, PayPal credit, etc. PP are ok, I managed to get a bit of leeway and pay them a bit…
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Debt and Job loss
Hi, Please no judgment, I am exhausted with worry and really dont need to be told how wrong I have been. Long story short- I have a senior job which pays well. Things have gone wrong in work and I think there is a real chance that I may well lose my job. Not a misconduct issue but more a performance issue in the business…
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Water Debt - Please help! - OAP Inherited Debt
I know this should be in the energy forum but I'm here for the traffic and hopefully some advice. My mum sadly passed away end of November very unexpectedly. My sister and I have been going through all of her paperwork. She was the only name on all the utility bills everything has been fine switching over to dad's name,…
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Debt write-off due to mental health illness and long term unemployment
Hi everyone, I’m looking for advice specifically on having a debt written off for my mother due to long-term mental illness and lack of capacity. A card was posted through her door by ResolveCall, saying they attempted a visit regarding an account. No details were given about the original creditor. Background (important):…
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Frasers Plus
Hey all, trust me I've tried searching the forum but keeps giving me House of Fraser competitions. Anyway Frasers Plus have taken over my Studio account and they've added over £400 interest and it's giving me such a headache, I paid over 50 quid the first month despite it saying no payment was required, that seemed to push…
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snap finance default
Hi I brought a numberplate treating myself using snap finance. I decided to do the immoral thing of because i already have defaults on credit record for multiple loans etc. then to just add this to my DMP. they have sent a default letter asking for full payment or further action to be taken. So my question is, as i am on a…
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Affordability complaints question
I sent an affordability complaint to Novuna finance using the debt camel letter template. I’ve received a reply from them requesting evidence such as 3 months bank statements from the account I was paying the loan from, and also 3 months of statements from any account that I regularly paid direct debits from. i just wanted…
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Old Black Horse debt..
Hi, I'm wondering if anyone can please give me some advice. Over 25 yrs ago I took out car finance with Black Horse. After many money troubles and a marriage break down a charge was placed on our mortgage from Black Horse for repayment of the loan when and if the house was sold. We finally sold the house in 2022 and the…
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Looking for the best path forward
Hi all, I’m looking for some guidance about whether an IVA or temporary reduced-payment arrangement is more appropriate for me. I’ve got a few debts in my own name and two in my wife’s name that I’m responsible for (I spent the money, so I’m paying them). The mortgage is currently joint but is likely going into her sole…
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Writing to creditors individually
Hi, I am currently, after advice from Business debt line, contacting my creditors individually and asking them to freeze interest and consider wiping debts off. I am also awaiting my Dr completing a DMHEF due to mental health issues. My debt is personal debt, but as I also have a small business I needed to go through…
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Link Financial - Destroyed Postal Order and no CCA?
Hi it’s me again! I received a response from Link Financial after they received my CCA request letter. They just said that they have destroyed the Postal Order but no mention about my request. How should I move forward with this?
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Settlement Offers
Hi, I’ve been paying a DMP for just over 2 years and I now have almost half of the remaining figure available to settle the remaining balances. All debts have defaulted. I’ve sent f&f offers (40%) to all creditors and I’m not getting very far with them, they’re slow to respond and some have rejected. The only one to accept…
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Moriarty Law - Court Claim URGENT PLS HELP.
Hi All I have a court claim that was dated 6 nov 2025 - I have only just received this in the last week as I had moved address and my old landlord handed them to me. It is a court claim by moriarty law who I was paying £5 a month manually 6 months ago, but due to all of the stress of moving home etc I have forgotten to…
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Full and final settlement advice
Hi all! I’m looking for some advice on making Full & Final settlement offers to my creditors. I currently have around 7 defaults on my credit file, all roughly 5 years old. I’ve been paying them through a StepChange DMP, and for the last few years I’ve been paying around £60 per month (I used to pay £120 before my…
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Questions about a DMP and £50k in debt
Hi everyone, over the last couple of weeks I've been focussing a lot on getting our debt in order as our outgoings on paying of credit cards is unsustainable now that I've realised we're going about £230 over every month and using credit to pay for food etc. We have around £48000 across 5 credit cards, a £500 overdraft and…
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Money Moral Dilemma: Should I pay off son's debts for a second time?
This week's MoneySaver who wants advice asks... My son moved back in with me after splitting from his wife eight years ago. Now two of his daughters live with us too, and he has just quit his job as the hours didn’t work with childcare. He owes £20,000 to banks and credit card firms. Do I give him the cash to clear it?…
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 2025 by AntoMac
12 December at 11:13PM
