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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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Helping a vulnerable relative - where do I start?
Little Sis has had mental health and physical health issues since August. She has been out of work for over 20 months. Income is carers allowance c£83 a week I think. She was in hospital for one week in October but not sure on rules re carers sickness. Household includes our father so has been running on his savings and…
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Relationship break while in an iva and have a morgage together
Iam 3 years 9 months into a iva. I pay £75 pound a month. For 13k debt. Ive got a morgage with my ex partner and there is roughly 55k equity on the house. My partner refused to sign the rx1 form. When I first entered the iva
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Drowning in debt, please help with next steps.
Over the last 15 years I have made bad decisions which has led me to nearly £90k worth of unsecured debt. Huge chunk of this has come from investing in a business which did not do well at all, I am now struggling to meet the minimum payments. I have around £90k of unsecured debt spread over 8 credit cards ( 5 of them are…
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Help required with large Persistent Credit Card Debt. Have had a recent first Default.
Hello Debt-free wannabe's, I am new to the Forum so just wanted to say hello first before posting anything in detail. Just wondered if you would be ok with me listing details of 6 of my credit cards and one loan? Thanks, M
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ACI email
Happy New Year. I'm new here, but I love listening to the weekly podcast. I just received an email from ACI informing me that I will receive a visit at my home because I owe over £500. However, I have not received any prior letters, only this email. I have a learning difficulty (Dyscalculia), and I am confident that I do…
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Lantern UK text
Hello , a work colleague has been getting text messages from Lantern UK. Asking for him to get in touch, they don't name him. They are also asking him to wattsapp them. He's an elderly gentleman and worries quite a bit, he says he has no debt. I've phoned lantern and they say they don't use wattsapp. Is this a scam ??
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Urgent Debt Advice
Hi all, new here so thanks for accepting. I am looking for advice please. I have around 35k debt and looking for best advice to clear. I am working full time and have no assets (no car I own or house. I live with partner and have a baby. The house is a mortgage in my partners name only and I just contribute towards bills…
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Unsustainable debt and long term relationship breakdown. Any advice welcome.
Good morning I've been burying my head and pretending everything was sustainable the past 5 years or so but it's getting to the crux. Currently in £56k of debt across credit cards and my 18 year relationship is over. We live together with a joint mortgage and 3 children. We don't have any other debts together or joint…
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IVA / Debt Advice Please
Hello everyone. I’m looking for some advice on how to move forward with my current debts.
I have been reading through the forums for a couple of weeks and there always
seems to be good advice, so I’m hoping I have put this in the right place! Currently have outstanding debts totalling approx. £77k. It all initially
started…
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Debts and DV
Hi, it’s been a while since I’ve been on here but I really need your help. i have recently ended my marriage which included physical, emotional and financial abuse. I have been in contact with CAB, they say it will be hard to get any write offs due to financial abuse but they will try. My husband was in and out of work and…
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IVA or DMP ???
Hello, I am really struggling with debt, so cut long story short I have spoken to a debt helpline and they have offered me an IVA or a DMP. I did a budget with them and they have worked out i have £217 available to pay towards my unsecured debts each month. My unsecured debts add up to £1,300 per month! Total unsecured…
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Help, £35,000 in unsecured debt and drowning
It's really scary posting on here, but I'm in a snowballing amount of debt and need to make significant changes. I've been spending on credit cards to cover day-to-day spending, and I know that some of my expenses are far too high (for example, spending a lot on entertainment and eating out that needs to be massively…
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New Leaf for 2026 - Dire Debts
Hm, what is that saying? 'New Year, New Me?'. I need to change that to 'New Year, Better Finances'! Hi everyone! I am 29 and in a stinking amount of debt which I need to pay off. I am hoping this is a forum to keep myself accountable and if anyone has any thoughts or advice, they would greatly be appreciated! My parents…
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Responding to Kearns Letter - Link Financial
Happy New Year to you all. If anyone can advise, that would be very much appreciated. I received a Kearns letter while I was away for the fesitve period and just returned and have 7 days to return before their 30 day stipulated period expires (assuming this is not 30 working days which would give me another 2 weeks). I…
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Finally going to tell my husband about my bad debt i'm scared
Hi I didnt really know where to turn to so just wondering if anyone else has been in the same position. When I met my husband i'd always had a little bit of debt and was stupidly too scared to say. Well fast forward so many years my spending got out of hand and I stupidly took up matched betting to try and clear it. Then I…
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Burnley Council chasing 10-year-old council tax debt
I’m sharing this because it highlights how councils can pursue people unfairly. Burnley Borough Council is chasing a 10-year-old council tax debt (£1,000). They failed to contact me for 4–5 years and part of the debt comes from a property I was illegally evicted from, where the council provided no support at all. At one…
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Wife death - Please help with where to begin...
My spouse has passed away suddenly.. The house we live (+-£175k if matching the last sale on our street of a similar one) in is in her sole name with a mortgage of ca.£28k. She has a life insurance which hopefully will be paid off that will only cover the cost of the mortgage and funeral. Also she has a few debts,…
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Double default same account AMEX
I've fought for years to get debt and default free with only 1 default (AMEX) left on Equifax and Experian. It's due off Oct 26. Im paying £25 pcm to them and not missed a payment even though its hard. I rang them today to ask if that amount could be reduced as Im almost negative £300 pcm on their own calculator. They sayd…
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Merged: Help with DMP repayment amounts
This discussion has been merged.
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Self DMP - first steps
I’m going to do a self DMP. I have been deliberating this for months but think it is finally time after having to continuously borrow to keep up with debts. I am currently not behind with any payments at present. I’m currently at about £36,000 in debt across numerous loans (1 x Plata, 4 x Zopa, 1 x Lendable), 3 credit…
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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