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Debt-free wannabe

Archives for November 2014

Cease and Desist Letter
Hello all, my hours have been cut from 37 to 15 per week, so things have been a bit tight over the last couple of months. As a result, the belt has been tightened. One of the things that had to go was my gym membership. The debt has been refered to heir DCA. I have written to them advising of circs, and offering a £1 a…
Wed 26 Nov - What small DFW things will you do today?
When we start out on the DFW trail we do loads of "big stuff" that makes quite a difference to our situation. These include having our lightbulb moment, cutting up the credit cards and cancelling Sky and the gym . But once we have done the bigger stuff, we often feel that we are not making the same amount of progress, when…
Lowell full and final settlement
Hi all, I have three defaulted accounts within the last 2-3 years which are now with Lowell, I owe around £1709 to them. I'm not disputing what I owe by any means and have been making payments, however I mentioned to them this evening that my circumstances have changed and that this will no longer be affordable. They then…
statute barred debt
Hi. After looking at my credit file a debt im being chased for does not appear on it possibly meaning it's statute barred. Trouble is I've just offered a settlement offer before knowing it could be barred.can I still claim it's statute barred?
Advice on setting up a new DD amount
Following advice from SC I need to set up a new DD with our energy suppliers for a lesser amount than we are currently paying. Do I just cancel the current DD and ask for a new form from British Gas or can I just adjust the amount to be taken via my bank? Thanks as usual
I am an idiot...........
Well not posted for a little while.....The stress of starting a DMP became to much and I ended up in hospital. Now that I'm home I am reflecting on my life and thinking "how stupid was i" I have since sent copy of my payslip to stepchange and starting DMP 1st January 2015. I remain fragile and hope all my creditors agree…
Help with Lowell
Hi Guys, sorry if this had been covered already but i did do my best to search the site and there are so many results that do come up for this company but none of them are quite what i am looking for. To cut the long story short, I have been a victim of identity fraud by a family member. I do not want them to go to court…
F&F Robinson Way, Will it affect credit
My sister has a DMP with Stepchange, she's about to sell her house and is going to use some of the equity to pay off her DMP. She owes about £1000 to Robinson way, I have a couple of questions. a) If she offers them a full and final settlement, will this adversely affect her credit file - they no longer show up on her file…
SLL Capital 'Intended Court Action' advice please!?
Hi guys, first time poster long time lurker. I have a loan that was defaulted a long time ago for around £200-odd or so which is now standing at £1030. The original loan was with Speed-e-loans. They first contacted my earlier in the year during tough financial times with the usual scare-mongering letter threatening this…
Do I pay these
Hi all I'm not going to bore you with stories of how this happened. But I have read mixed things saying to pay account or just leave them. What do you think I should do, see below debts Halifax defaulted 17/05/2010 this says £1638, however I was paying this off every month via a door collector and only have £200 left to…
What Do You Think?
Apologies for the long post but I need to lay out the story. :) My wife and I have been working to be debt free for 2 ½ years and have had some progress. We are now working from a solid monthly budget, have paid off all credit card debt, and are now working on our $32,000 land loan, (will be down to $27,550 after…
Tale of debt woe
Hello all. I have a big problem that I've sat on, making worse for a while now. And I hope someone can help. I've not put everything on here for now, but I hope someone can start me off. This is very difficult. Can I ask that you go easy on me here. I have a whole host of sorry excuses. They're pretty good, but don't help…
Constantly being pestered for a debt I don't believe I have - HELP!
Hi guys. I keep getting pestered by different companies for a debt I don';t believe I owe. I got a letter around 2-3 years ago asking me to pay £256.66 for a debt I was unaware of. I sent the standard letter asking for a true copy of the original credit agreement, they got back to me saying they couldn't provide one. I…
Advice please for brother
moved to mortgage thread :)
Tuesday 25 November - what small DFW things will you do today?
When we start out on the DFW trail we do loads of "big stuff" that makes quite a difference to our situation. These include having our lightbulb moment, cutting up the credit cards and cancelling Sky and the gym . But once we have done the bigger stuff, we often feel that we are not making the same amount of progress, when…
Advice on Lowell
Hi all I have eleven accounts with Lowell for various credit agreements. I haven't paid anything to any of them for a fairly long period of time and had continual harrassment on them all for a long time. I sent them a letter a few weeks back requesting write off of my debts and have had a few letters back saying they are…
Couples... do you count your partners debts too or do you only consider your own??
My wife and I are trying to take a more collective approach towards our finances as opposed to keeping things separate. The vast majority of our 40K debt is mine. If you are part of a couple, do you count your partners debts too or do you only consider your own personal debts?? If you haven’t already, join the forum to…
Debt agency chasing but I've paid in full
Today, out of the blue, I received a letter from a debt collection agency for a credit card debt that was paid off in full in 2004. My problem is that it was paid by my father who is now in his 70's. He will worry himself sick if he can't find the documentation to prove it was paid and I definitely don't want the agency…
loan been sold on
Hi ive been told that if my loan has been sold on then i no longer have to pay it because the agreement was with the old company and not the new one. Does anyone know if this is right or not?? xx thanks in advance xx
Eyes now wide open
Hi All Been lurking on the site for a while now and finally plucked up the courage to get some advise from you lovely people who seem like great help and very supportive. So im 22 and finally opening up to how much debt I'm really in. Barclays platinum - £6482.63 Barclays initial visa - £2414.65 I feel as though everytime…

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MSE News

Ofgem proposes new 'no standing charge' Price Cap – but Martin Lewis warns vulnerable customers need to be opted in or it won't work
Ofgem has today launched detailed proposals for a major shake up to its Energy Price Cap that dictates the price over 80% of homes in England, Scotland and Wales pay for their energy bills.
Lloyds, Halifax and Bank of Scotland to cut overdraft rates for millions but hike them for others – here's what's happening and full help
If you're a Lloyds, Halifax or Bank of Scotland current account holder, the interest rate you're charged for using your overdraft could change soon as part of a fees shake-up. The Lloyds Banking Group, which owns all three brands, says millions of its customers will pay less after the changes – but a "few" will pay more.
Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
Around 2.7 million more low-income households, including 900,000 families with children, will become eligible for the £150 Warm Home Discount this winter, as the Government has confirmed it will remove the existing 'hard to heat' eligibility criteria. The extension has only been confirmed for winter 2025/26, with further changes possible for future years.
Martin Lewis: At last a chance to fix Council Tax flaws impacting millions – debt collection, difficulty challenging your band, discounts and more
Major flaws in the Council Tax system in England could finally be fixed in future, as the Government has launched a wide-ranging consultation to review hideous debt collection practices, the difficulty of challenging your band, the overly complex and horribly-named Severe Mental Impairment discount and more. MoneySavingExpert.com founder Martin Lewis, who has long campaigned on these issues, shares his response and analysis.
Energy complaints to be dealt with more quickly and Energy Ombudsman to get new powers under Government plans
If you have a complaint about your energy firm, it may be resolved more quickly in future, as the Government has announced a raft of proposals to strengthen consumer protections in the energy market. The planned changes include giving the Energy Ombudsman new powers to force firms to comply with its decisions – but it's still very early days. Here's what we know so far.
Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
Around 2.7 million more households, including 900,000 families with children, will become eligible for the £150 Warm Home Discount this winter, as the Government has confirmed it will remove the existing 'hard to heat' eligibility criteria. The extension has only been confirmed for winter 2025/26, with further changes possible for future years.
Base rate held at 4.25% – here's what it means and when it might be cut next
The Bank of England has held the base rate at 4.25%. Below we explain why, when it might be cut, plus what it means for your mortgage and savings.
Applied for South West Trains 'boundary fares' compensation? Act now to claim it
If you applied for compensation from South West Trains before the deadline in January 2025, you now need to provide your bank details to the claim administrator so it can be paid to you. Here's what you need to know.
Winter Fuel Payments to be reinstated for millions – Martin Lewis explains how it'll work, what it means and if it's an improvement
All State Pensioners in England and Wales will receive a Winter Fuel Payment this winter, though those who earn over £35,000 will see it clawed back through the tax system. It means nine million pensioners will get the £200 or £300 top-up. Here MoneySavingExpert.com founder Martin Lewis shares his instant response and analysis, and we include answers to your key questions.

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Debt-free wannabe

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