Debt-free wannabe

Hi All, I've just found out about a debt (small amount) of my partner's (over 20 years old) and has been passed from one company to another. I thought that he'd been paying £1/£2 nominal amounts on all and we have addressed the others (paid of or stopped paying when no CCA could be produced). This seems to originate from…

Hi all, Bit of a two pronged question here. I accrued a number of debts in 2024 and followed this forum's advice to let them all default. I have been ignoring all attempts at contact in the hope of riding it out for more agreeable settlement offers or making it to statute barred status. One of the larger debts (approx…

Hi, I recently sent a CCA request to Advantis who are acting on behalf of Next. I’ve received this reply so I presume I do nothing until I get any further correspondence, is that correct? I’ve had the account since 1996, so whilst it is a long time, it is still with the original creditor. Sorry, I can’t seem to rotate the…

Actually asking for a family member. They are a blank slate to all lenders. They have not had a credit card ever. No loans or a mortgage in well over a decade. Where do I start with trying to get them on the ladder to a credit card? My thought process so far is to use alternative payments? They have a mobile phone contract…

Hello. Hoping somone can offer some advice. Lowell purchased a debt from LLoyds TSB (thats how old it is). They have been sending letters for years asking for payment and sayin they will send a collector to the door but never have. I have finally tired of the letters so sent them the template statute barred letter a couple…

Hi, does anyone know of a bank that lets their current account debit or credit card users to be able to set a temporary spend limit, lets say £100 over 12 hours, that would be irreversible? Asking for a friend 🤣

hi all Very new here. Have been reading a lot over the last few days and it’s been so helpful and supportive and has helped my worries no end so I want to start with a thank you. I’ve got myself into a lot of debt and I think self managing a dmp will be the way to go but want to sense check it and also ask a few questions.…

I have reached the point where I can no longer service my debts. I currently owe £36565 in unsecured debts and a secured loan of £15088 (currently with the FOS). I know that I will have to keep paying my secured loan. I have been doing a lot of reading on this site and I feel that a self manged DMP will be the best way for…

Hello everyone, I found this forum and have been reading different stories the last couple of weeks because find myself at breaking point, 35/M I have a history of gambling addiction which is the root cause and for the first time in my life ( it has been approx 2 months where i feel in control of it and honest with it to…

hi all NatWest defaulted me 31/7 and it’s still not showing up on any credit reports. They sent me a letter saying they’ll be working with moorcroft and to continue my repayment plan (I assume it was the one I set up with Stepchange but I have cancelled this) what is the next steps? Thanks.

hi all. Been on here a lot but just wanted to give an update/ advice needed 5 CCs. All defaulted but Tesco have not sent me anything in few years and not paying them anything. Not sure what even going on the other 4 i pay small amounts to each month what I can afford few are asking me to do a budget planner. I have told…

Hello, I am new to this and would really appreciate any advice. I am currently in £7000 worth of debt, this has accumulated over the last few years following a relationship breakdown and going back to university to study. I have 2 sons (10 and 13), I have recently finished my degree and have been able to secure a job with…

Can anyone suggest what I can do please

Hopefully this is in the correct board. I checked my credit report and a new CCJ has been added from August 2026. I have no knowledge of who this is for, though I have a vague idea based on the amount. I am on hold to the NCBC to find out which company this is owed to - number 37 in the queue. All paperwork must've been…

Hi guys, Realised I'm pretty much at breaking point due to several years of chronic overspending. Not that you need my life story but I lost both parents in the same week during COVID. As an only child I inherited everything and being mid twenties at the time I essentially got used to a lifestyle that I definitely couldn't…

Back in 2008 I took-out 2 credit-cards via Halifax, and spent £13,000 on stuff for my apartment. At that time I was renting privately + didn't own a car | So had no assets which could be seized. ^ (Accordingly therefore, I basically just told Halifax to f**k off / And ignored all letters from the various debt-collection…

Sorry if I'm in the wrong place. I'm struggling to navigate the site. Hi everyone, I have autism and ADHD and have unfortunately got myself into a bit of a pickle with debt, mainly due to compulsive spending. This is something I will be getting therapy for over the coming months. At the moment, I have three loans and three…

I am currently on a DMP with step . I currently have £9000 debt over 5 creditors. I have been on the DMP for around 4 years and probably another 15 years before its payed off . I’ve decided to get a personal loan to pay off my DMP however the max I could borrow ( as I considered the monthly payments) over 5 years is £5000…

Hi all, Just wondering if it would be worth clearing an overdraft with a credit card, using the switch service to close the account to another overdrawn account, clearing that with a credit card and switching to another overdrawn current? I have clean bank accounts with banks I don't owe to so day to day money is safe that…

Hello, I thought I’d posted this on the DMP thread but it’s definitely not there now so hoping it’s ok here. My husband and I have been on a DMP since 2022. All but two of the CC/loans have defaulted. The two being updraft and Landmark (we stupidly got a 125% mortgage when we were young and naive). I’ve just had a letter…