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Shifting this weight from my shoulders
Basically, never been in debt, then had a breakdown and racked up £50k in a few months. Joined StepChange, and been with them 2/3 years. I’ve got the debts to around 36k. Ranging between £600 to £16000. The biggest one is with PRA and they’re getting about £100 a month. A very good friend has offered to help with my debts…
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What small DFW things will you do w/c 17th August?
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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PRA GROUP ARE NOW EMAILING ME AT WORK - ON MY WORKS EMAIL - UNENFORCEABLE DEBT. Boss May See It?
Hi Guys! I've not been around for AGES now so I do apologise! But that's a GOOD thing because nothing much has been happening -- and I truly thought the pandemic would (sort of) keep these debt Collection Agencies at bay? Obviously not. (By the way - sorry I cannot find my original thread, as its so old now, as I've been…
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Struggling to see a light at the end of this tunnel
Hello, I have been in a DMP since 2017 and I have managed to reduce my debt to almost a third of its original figure (£33k to £12k). However, it's feeling like a hard old slog and I'm starting to think I've never be rid of it :( A few of my creditors defaulted me almost instantly, so I thought that my credit score/report…
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Does VAT debt affect SC Clearance
Hi All, I have some VAT and Ctax dues with HMRC for last 2 years. Now i am getting job where Agency will be doing SC Clearance for me. Will VAT and Ctax dues impact obtaining SC Clearance? or any of my personal life. Advices will be very helpful whether to go ahead with this or not. Thanks
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Link unenforceable
I received this today from Link, what should my next steps be? I am currently paying them £4.19 a month and they have refused to budge to more that a 20% discount on a settlement offer. I have requested the information myself through a sars request and to me looks like the CCA maybe there ?
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Debt with orange from 2002
Hi guys, hope you can help. After being an extremely bad marriage and not having a job for a long time, I am trying to become debt free. On my credit report I have a debt for £87 from 2002, it is getting updated every month so has never dropped off. Problem is I have no idea how to pay this, 1 because it is in an old…
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CAPITAL RESOLVE
Hi I have for the last few weeks been getting calls on my phone from a company called Capital Resolve, (it is already programmed into my phone and comes up as potential fraud / spam) I have checked my credit file and everything seems fine, these calls can be up to 4 a day and are really causing me some stress and anxiety,…
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Wescott and Settlement Figure
Hi, I took a call from a Wescott representative looking to set up a plan for repayment £6700. They offered a settlement figure which was still fairly high and I said I'd do 50% if they would accept. They accepted this offer and I said I'd be getting the money from my employer (very kind) so please just bear with me as…
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This is time to take action - absolutely had enough
Hello Folks I joined fairly recently but it's taken me until now to pluck up the courage to actually post about our debt situation. Basically, I am absolutely sick and tired of our money situation. sick and tired of working hard to service debts. Sick and tired of taking all of the responsibility for dealing with it ( more…
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DMP / Defaults
Really torn about how to move forward. I have been saving EF and want to start a DMP with SC for a low amount, and then save up some money each month to gradually offer settlement figures to clear the debt one by one. By paying a low DMP amount I am hoping the creditors will end up settling for less, therefore getting out…
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Some advice an help
Morning Everyone. Ive a new member and to be honest it’s taken me a couple of weeks to have to courage to post. Like most people I’m looking advice/support/help on my finances. At the moment I’m at £16,500 in debt, a loan and 2 credit cards one at just below £5000 and the other at £3200. I’m making the minimum payments but…
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Moved: Capital One interest calculations
This discussion has been moved.
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Inspiring DFW's On Instagram?
Can any suggest the account names of DFW's that are documenting their journey on IG...looking for inspo!
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Why have I done this again...
Hello, please can someone give me advice, I need to get this off of my chest as it is eating away at me. I've got into debt again... :( I am so stupid, I am so level headed with almost everything but let myself get into debt with nothing to show for it. Back in 2018 I confessed to my hubby about debt that I had racked up…
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Call from Supreme Court, need advice
I had a letter from One debt collection agency a few days ago for regarding one of my debts, so they have obviously found me at my new address. Earlier this year I got a CCJ for another debt that I didn’t respond to as it was to old address. I’ve had a call yesterday which an automated message saying it was the Supreme…
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Unenforceable Debt - what now?
Hi people, I am an infrequent user of this forum but always find it very helpful when I need an answer to a question. Some history, been on a DMP (Stepchange) for 10 years. My debts (approx 10k left) no longer show on my credit report. I am due some inheritance in the coming months, so wanted to ask if I can offer a…
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Using LISA savings to pay off debt
Good morning, I have previously asked this question, however, as the fine for withdrawing LISA savings has changed I was wondering if the advice has changed. I have £8,013.87 in a Moneybox Cash LISA. I have the following debts: - £13,838 First Direct loan (£553.52 minimum payment). I planned to pay this off at £1,383 a…
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Pacing myself!
I'm really fed up with how I manage my money! I get my bills paid and have a bit left over for spending. However I seem to spend most of my money when I'm paid and by the second week in I'm struggling. Week 4 I might literally have a few pounds left. I really hate the stress of it. Today we went out for dinner and I didn't…
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New DMP - defaults applied
Hi. We have had some advice about starting a DMP from StepChange who have been great. We know this is our best change of (eventually) becoming debt free. My question is about defaults and when they should be applied. In the interests of the fastest recovery for our credit report we would like the defaults to be added as…
