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Credit card debts
Good evening, Firstly thanks for taking the time to help. I am trying to improve my financial situation. Over the last 8 years we have accumulated a significant amount of debt. Total at the moment is around £30k which is majority on 0% interest credit cards. A smaller amount of 3k is to a family member. We have recently…
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New here and considering DMP without my husband knowing
I’ve been lurking and reading for a while now and it’s been hugely reassuring to read everyone’s journeys and advice. Stepchange have recommended a DMP for me, I am however hoping to keep this from my husband, not only because he doesn’t know the mess I’ve got into, but because he’s really not in a good place with his…
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Received a court date for parking charges after following advice on this forum... What's next?
So, after following the steps posted on the stickies here on MSE and following various advice and doing everything required. Here I am with a court date for a parking charge. I am now asking for advice on the nest steps with telling Euro Car Parks Ltd to F off. I imagine they will not want to pay the £27 to risk losing and…
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Moved: Reset 2026
This discussion has been moved.
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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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Debt and AVC
I’m not sure if this is the right place to ask this, so feel free to move it if not. As most of you know I have stopped paying my non priority debts and waiting for them to default before setting up a self managed DMP. im 53, and having taken about 13 years off work whilst my children were young, I won’t have a great…
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13 yo credit card debt / CCAs and partial settlement
Hello - my first ever post. I have two queries. In 2012 I defaulted on several credit cards. Been paying them all a tiny amount per month ever since. All has been quiet until recently when Cabot suddenly started threatening me with debt collectors and sent someone round who left a card. (An issue may be that my direct…
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Home Visit Letter from LINK dated 25th November 2025 for Unenforceable Debt
Hi guys; I received the attached letter from LINK on 25th November 2025 stating they are potentially going to pass the account to their "Reconnections Team" who will asses the account for a "HOME VISIT" to my house. Long story short [and detail of the background of the debt]. The history of this debt is that I have it in…
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Run out of options on 0% transfers due to the high interest rates, what do I do with my debt!
?Hi all, I have been running up debt on 0% credit cards since about 2015 when I returned to work after 2nd child. I think my total debt is about £10,000 or slightly more but it is spread out amongst various 0% cards. I also have overdraft but that is all currently 0% as well and I am saving up to pay back my HSBC overdraft…
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Link financial help
Hi I have received a letter from link saying they haven't recieved my payment of £4.99 on my fraser group account due on 28/11/2025. I haven't got an account with these people and I haven't been paying anyone 4.99. I did wonder if it was anything to do with an old account with studio I stopped paying 2 and a half years ago…
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Self management/ stepchange
Hi all, I'm just looking for a bit of advice. I was recently made redundant from my workplace and have been given 11k payout. I have £15k of debt and I'm hoping to make partial payments to each of my 5 creditors. I've asked stepchange for all my info that they hold on me and my debts. All debts are credit cards or loans so…
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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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Link financial/moneybarn
Hello i had a car finance with moneybarn back In 2019 ad car was repossessed fast forward to the last few weeks and i have suddenly got some communication from link financial, the first One was saying that i had missed a repayment of £250 and they would register a default..funny thing is i have never spoken to link…
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Non-priority debts and deprivation of capital
Just been reading this housing allocations policy, and this doesn't seem right to me: "As part of the application process bank account and savings details must be provided and, if it is found that an applicant has recently held £16,000 or more in their account and has spent or transferred large amounts on non-priority…
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Finio/Oakbrook standing order details
Hi, Does anyone know of the naming details for Finio/Oakbrook or know where this information might be available? Google isn't helping me and they seem unwilling at present to give them out without going through their payment plan tools on their website. Thanks
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Admiral Loans…defaulted, now they have written today saying going to Default me (again).
Hi, I last made a payment to Admiral in November 2024. The Default letter and note of default on my credit file happened in April 2025. i have received a letter today stating an arrears amount of 12 months missed payments and that if I don’t pay, they will default me… Should I sit tight or write to correct them that I…
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PRA Group threatening me with Solicitors
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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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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Old debt of my daughters
Looking for some advice please for an old debt of my daughters. She took out a loan in 2011. She was making payments until she lost her job. The loan defaulted and was eventually sold to Link Financial in 2016. She didn’t hear anything from them until 2019 when they asked her to contact them with regards to some kind of…
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Which one do I do?
I would appreciate some help. Background In 2007 (or it might have been the year before) I got a credit card with M&S.To try to help with my debts that were starting to build, in 2008 I applied for a credit card with Halifax and they sent a card and then another card days later. I don't recall asking for a second card but…
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Most recent: Three years to get debt free by StickyTheStickInsect
26 December at 11:43PM
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