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Debt-free wannabe

Archives for April 2018

Lowell- written off I think!
About 4 years ago I got into debt due to being made redundant and subsequent ill health which I have never fully recovered from. At the time I stupidly buried my head in the sand and hoped it would go away. A few months ago I was finally able to look at the extent of my debt and trying to deal with it. A lot of my debts…
TSB Statements online
Hi guys. I need to send ombudsman 4 months worth of statements here and there. I am trying to export statements with TSB online and send them across but, exporting on excel, it only provides me with 21 rows and that’s it. Whatever date range I choose. I had a gambling addiction so my transactions had hundreds a month. Any…
Step by Step DMP
Sorry if this is a silly question. I couldn't find the answer on the forum. But please can someone advise me step-by-step how exactly I would go about organising a DMP. I would rather self manage and be in control. Rather than go through stepchange or another organisation. Just because I think it would work better for me…
DMP 9 years post bankruptcy
Disclaimer: Yes, I do know how absolutely stupid we have been to get in debt again. Clearly we didn't learn our lesson, and now we're suffering the consequences. We were desperately hoping hubby would get the big promotion everyone expected him (and therefore we'd have plenty to actually clear the debts) to get but he…
The End of a Long Road, Northern Rock, Defaults..Help for the Future now....
So to cut along story short. Multiple redundancies and bad budgeting left me and my husband unable to pay our debts as normal in 2012 and so we defaulted on all of them. We also bought a house in 2006 with Northern Rock. A 125% mortgage. For the last 6 years we have been on a DMP with Stepchange. I have checked the credit…
Field Call want to meet me? Help
I have received a letter from a company called Field Call. They have said that Nationwide have asked them to contact me and meet with Field Call about my loan arrears. I have two loans and one of them wasn't added to my DMP. I don't know why as I sent the information off. I have contacted Stepchange already to ask how to…
What small DFW things will you do this week - w/c 30th April?
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…
Can my husbanda iva take my salary?
Ok ill try to keep this simple... My husband has an iva. When he took it out i was not working as on maternity/stay at home parent. I have now got a new job paying roughly 600 a month but ut will vary from 500-800 as depends on shifts available. I have roughly 6k of debt to pay off. I need to pay this fairly urgently. I do…
Alleged EDF Debt
Hi, I recently received 2 letters in the same envelope, 1 from EDF and 1 from Lowell. The letter states that there was an alleged owed debt to EDF and this debt has now been sold to Lowell and they are trying to collect it. The debt relates to a property I no longer live in and to a 6 month period after I moved out. The…
Different challenges
Just looking for ideas from those of you who are members of different challenges and what you do with the money from each challenge - i.e. do you use one challenger to save for meals out, one to maybe for a holiday, one which you just bank? For instance if you are a member of the £2 savers club, 50p savers, 20p savers and…
RW / Llloyds Commercial
Hi. I would like to know that if a commercial account is defaulted 5 years ago, can the default on overdraft amount still be entered into credit file?
Small business loan advice needed
Hi there, i recently took out a small business loan and due to a few factors it didn't work and i've been left with nothing. I'm now struggling to find employment and can't make the repayments. The debt is just under 10,000 and i'm thinking it may be best for me to just apply for bankruptcy as my credit rating is now…
Help with debt, SOA included
The time has finally come after many years of debt spiralling out of control that I need to fix it before it really will be too late. Writing it down does not make for good reading but I really don't know where to start. Credit cards 2 & 3 don't get used. My rental contract is up in 2 months so I'm currently looking into…
Switching to self managed DMP - quick question
Hi all After several years of trying to stay afloat in an ocean of debt, we finally did the sensible thing and with help from this forum, we started a managed DMP in late 2013. After all the initial worry and doubt I can honestly say it is the best thing we could have done and my only regret is that we didn't do it many…
Capital One Bank
I’ve claimed PPI but stupidly went through a company (Allay), they have invoiced me for 3 payments but I did not receive the monies, when I called them Allay said that Capital One said I have a debt with them (which I knew nothing about). Can someone please advice me as to what to do next as I am on PIP’s etc and because I…
34 and new to debt (SOA included)
Think I need to put my thoughts down somewhere and see if anyone can help! I'm 34 and up until this year have never been in debt but this year has turned out to be the most expensive ever so have had to put some on my Barclaycard and loan We're getting married in June (but that's all paid for from savings, NO borrowing) We…
Partners debt
Received a letter in the mail with my partner and his estranged wife's name on saying the were being taken to court (in Scotland) for no longer paying council tax arrears. Obviously his wife does not live at my address. Mortgage council tax and all bills are in my name and I have no debts of my own. Does anyone know if I…
Plevin
What does this mean? I have had store cards and loans not got PPI back on them. Is Plevin something different to try?
Not sure where or how to start tackling my debts which I have been avoiding for to long, any advice?
Hi there, firstly I'm a brand new user and not sure I have posted this in the correct place or manner, so if not, I apologise! So long story short, I got into about 10K of personal debt about 7/8 years go, due to a really bad gambling addiction. At the time I did attempt to sort things out and started a DMP with…
Jacobs Debt Collectors
Hi all. So I moved out of an area and forgot to tell the council, yeah it was a stupid thing to do. A year later Jocobs got in touch and said I owed £1700. I arranged a payment plan of £150 a month and been paying it on time. Now they want me to INCREASE my payments, and I can’t afford that. I am quite willing to continue…

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