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Nearly almost debt free
£58,009 paid back with help from Stepchange. £175.43 owed. One more payment. I’m so, so happy, grateful and can’t wait to put my DMP DD into an account to save it. Wow, who’d have thought I’d be thinking about savings!!! Stepchange saved my life. I’m no longer scared of white envelopes. Can’t wait to post in the debt free…
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What small dfw things will you do this week beg 31/08?
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…
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Advice please
Hi, 2005 we got into financial trouble and negotiated with our creditors to reduce payment. In the end they went to default and got sold to other firms where they have them been sold on again, where we have continued paying them off. 15 years later they are now with another debt collection company , I have read online…
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CCA Request - stopping payment
Hello everybody. Back again looking for some assistance. I've have had responses from my 4 accounts saying the CCA cannot be supplied and the accounts are unenforceable. I am on a very old DMP (Started 2010) with StepChange. Stepchange have advised; If a debt is unenforceable and the creditor has confirmed this you can…
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Debt Free as of next Friday!!
I wanted to post this as encouragement to those who are where I was 18 months ago.. Go back to January 2019 and I was £40k in debt.. I wont go into the full how and why..but it was all credit card debt. I was very fortunate to have a decent paying job but I had still been at that point for over a year and just managing to…
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Debt Help - What can be done
Hello, a friend of mine started a new business as a sole trader last year & she made a mistake of signing up for a course which promised to help her make lots of money using Linkedin. The course was £1500 in total to be paid in instalments to Helen Pritchards Linkedin Program, also known as Blue Sky Digital Marketing…
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Advice wanted please
12 months in on a debt repayment plan. Majority of the creditors have been great and frozen the interest. Already paid £3500 off my debts in one year. Quite disappointed with Fashion World and Virgin Credit Card had they will not freeze the interest. Is it worth me stopping their payments through the payment plan and…
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Debt Help Question?
Hi all. I have around £1000 (I know it’s not a lot to some people but is to me.) of debt with various store cards. Each month I only just manage the minimum payment. Then throughout the month the interest goes up and I don’t really see any movement on the total going down. What would be the best course of action for this?…
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What Would You Do?
At the start of January I was in hindsight thankfully turned down for a consolidation loan to consolidate £15K of debt, and since then I've hit the debt hard this year, and paid off £8K so far. I have £3.6K of credit card debt and £1.5K of loan debt and £1.9K of an HMRC overpayment remaining. All 0% APR. I currently have a…
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Debt advice please !
Hi Im in need of a little advice . Im currently about to go on maternity leave have just worked out my finances and its sent me into a bit of a panic! Im currently paying off credit card debts £8000 , £5000 & £4000 roughly on each card . With my credit card repayments and mortgages and bills i will be left with not alot to…
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Lowell not reporting correct info to Credit Reference agency
Looking for a little bit of advice or assistance. Majority of my debts are being managed by Lowell Debt, Over the last couple of months I have been working hard to reduce my debt as much as I possibly can, and continue to clear my debt as quick as I possibly can and although I have found lowell are updating the debts I…
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Credo file
Hi can anyone help me find where I can get my credit file free of charge please.. Thanks
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Can I make any changes?
Hi everyone I used to have a lot of ‘all over the place’ debt (loan of 10k, balance transfer of £4000, argos card £900 amongst others) but I’ve worked hard and paid pretty much all of these debts off over the last year. So I’m uploading my SOA to see if there’s anything I can do better. A few comments I want to point out -…
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Help! Advice on a ccj please
My debt started through crazy interest on a credit card, it got up to just over £3000 after I had my first child and I was really starting to struggle paying it off. I was working a small amount of part time work just managing to cover the monthly payments when I found out i was pregnant again and then lost my job (Oct…
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End of discussion
End of discussion
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When is my debt staued barred
Hi I am in n Ireland and was wondering how long it is there before a debt becomes no longer enforceable and alps would anyone recommend stepchange to handle repayments thanks
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BW Legal / JC International
Hello, noob looking for advice. I have received a letter from BW Legal acting on behalf of JC International Acquisition LLC for an alleged debt to a Post Office Telecom account. Apparently the debt was assigned to JC Int. on 25th May 2016 and they are now trying to claim money. First, I have no idea what debt they may be…
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Credit card debt
Hi I have a lot of credit card debt at the min and an trying to figure out the best way forward. I live in n ireland and I'm scared if bailiffs debt collectors etc any advice would be appreciated
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How can someone get out of this mess?
Hi, this is not me, it's a friend of mine. Once apon a time my friend wanted to work for himself so became self employed when he was very young, say 18, he is now in his late 20's. He had got finance on some costly machinery so that he could run his self employed business, he had some issues and the business finances…
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So depressed set backs
Hi Sorry for the post just need encouragement feeling depressed. I have lurked in the forums and finally in May bit the bullet and re-organised my finances. I will post a SOA but basically I have quite a low take-home pay, live on my own and for the last 3 few years aquired a £5,000 credit card debt. (I have no other debts…
