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Best Of
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Re: 2026 - consolidation and calm
PAD (Payment a Day) Today's PAD - £2 Jan - £172 Feb - £183 Car balance Sept 25 - £11,031 - now £8,2902 -
Re: Questions about a DMP and £50k in debt
Sometimes the default notice, for one reason or another, does not get sent, or gets sent late. The guidelines on defaulting are not always adhered too or acted upon according to the rules, there has …1 -
Re: Living Large, on a Small Income, by the Sea.
If you want to use the extra income from surveys or selling for spending then that's ok. It's better than it coming out of your day to day funds or savings. It's a good idea to split b…2 -
Re: Fabulous February's No-Spend Days Challenge!
Another 2 NSDs. Current total 16/20.1 -
Re: Fabulous February's No-Spend Days Challenge!
Another one for today so 8/12. That makes 3 this week. Over the moon with that!1 -
Re: Questions about a DMP and £50k in debt
As Manyways says it's a trade off between your mental health and the length of time your credit report is harmed for. I started off using Stepchange and found that lenders take different approac…1 -
Re: The Cutting Down Alcohol Challenge for February & 2026 :)
13/10 AFDs please@cathybird4 -
Re: Illegitimate "gross mismatch" private parking charge notice (PCN)
Ignore the powerless debt collectors letters stage As mentioned above, you won't kill it off, no mechanism for doing so, its currently an unregulated industry Just ride it out with advice from h…4 -
Re: Illegitimate "gross mismatch" private parking charge notice (PCN)
You cant kill it off, but you won't need to pay it. Follow the newbies thread.4 -
Re: Legal Letters following UKPC fine
please stick to your original thread, one thread per saga thank you3
