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Debt-free wannabe

Archives for May 2021

What small DFW things will you do this week 31/05/2021
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…
Court records not updated by Mortimer Clarke
I paid off a £4000 CCJ via MC last November. When I recently checked my court records it stated I still owed the full amount. I contacted MC and they said they would ‘close’ the record and send confirmation to the court. I asked that they also sent me a letter confirming my full payment. They have done neither. What can I…
Hit by coronavirus. Lots of debt! Determined to get out of it. Anyone else? Also mortgage advice.
This last year and a bit has been absolutely awful. We are both self employed and had absolutely no income at all for almost 9 months. The last 5 months my husband has had maybe 3 days a week (before minimum 5 sometimes 7 days) and I am advertising but not getting anywhere. My industry is normally quiet now and I will be…
This is not for everyone but may help someone clear their debt
This may help someone but its not for everyone so tread carefully............. I had nearly 18k of debt until a few months ago and was paying a lot of interest on it because I could not get any 0% transfer deals and because having this debt gave me a poor credit rating I could not get a loan to pay it off at a decent…
Just received claim form - 6 year old debt
I've just received a claim form (CCJ) in regards to a very old debt. Not proud of it. Young stupid and buried head in sand. The debt it self is listed nowhere on my credit history. The last acknowledged payment would have been through a DMP which ceased existence 6 years ago in January. How do I deal with this. I'm 100%…
Landlords deposit
whilst pursuing a deposit return from a landlord he went into bankruptcy, I had already obtained a Judgment for claimant before this happened, as I tried to enforce payment I was told that I could not continue because of the bankruptcy, so I had to wait until he came out of it. (I was too late to be put on the creditors…
Desperately want to address my debt after 12 yrs :(
Hi Everyone, I have been suffering depression and some physical back-related issues. I have recently become practically homeless :( not something you expect at 52. Back 12-ish yrs ago, I was sorting out all my previous debt issues by approaching agencies for the creditors etc (Halifax, RBS and some others) and paying about…
Ratesetter Token Payment Plan
Hi, I am planning to TPP with Ratesetter Loan. I have contacted to them that I would like to set up Standing Order payment (without telling them about my plan of TTP) However they said my payment has to be Direct Debit payment under Loan contract so they didn't provide me any details. Does anyone know Ratesetter's details,…
Help please
This discussion was created from comments split from: Debt Collectors & Credit Score.
Overdales solicitors
Hello, have received a letter today from overdales solicitors acting on behalf of Lowell .. it says that a ccj was entered against me in 2019 and that I failed to maintain an agreed payment plan. I didn’t know about the ccj so I never set up a payment plan. They are saying that if I don’t pay in full or contact them to set…
Can anyone help me find an old thread that I think was on here ages ago?
It was something like 'once you have paid off your debts and have money to spare, would you still live frugally?' As I didn't' contribute to it I can't find it now and I'm obviously not using the right search terms to track it down. Thanks very much. Liz
NRAM Delinked Unsecured Element of Together Mortgage - Defaulted 3.5 Years ago
Hi, Below is a history of an NRAM debt along with some questions at the bottom. I have done as much research as I can but it’s a difficult one as I believe there’s a lot of outdated info out there on the net. I’ve tried to keep it factual and avoid the fluff around why it happened and what should or shouldn’t have been…
IWOCA - LIQUIDATORS
My husband liquidated his company for £6.5k during COVID which he paid. There were two companies one of them being IWOCA who bought in there own liquidators CVR NOW BEGBIES TRAYNOR for £50K minimum this is more than my husbands company's owes. On top of this the original liquidators as per company's house have my husbands…
What small DFW things will you do this week 24/05/21
Hopefully this thread hasn't been started yet so I thought I woild kick off this week! 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…
CCJ judgement in default from unpaid phone bill - what are my options?
So basically, my partner had an unpaid mobile phone contract which she stopped paying about 5-6 years ago, which when we met around 4 years ago I said she should notify them that she's unable to pay rather than just leaving it hanging. She was told on the phone that they were going to organise a payment plan and send…
Idem Debt Servicing
Hi all, Idem do not have a copy of my CCA Agreement the debt is over 6 years old and was already defaulted. They have threatened to put default on credit file if I refuse to pay them. Can they do this. I also made a generous offer to settle which they refused at 60%. They are playing hard ball and I am unsure if there is…
CCA response
We sent a CCA request off in Sept for hubby’s old credit card debt. They finally(!) sent us something this week. We stopped paying it a while back after they breached the 12 days. They have sent a reconstituted version of the agreement he would have signed in 2006, as they don’t have the original agreement. I just want to…
Advice please - Cabot and Post Office CC. 2 defaults same debt
Hi I hope someone can advise me on this.I'm in a DMP with Stepchange. I had a Post Office credit card from 2011 which defaulted 31/1/19. The debt was later taken over by Cabot. My credit report shows I am in default with both Bank of Ireland/Post Office and Cabot Credit Management Group from 31/1/19. Essentially 2 defaults…
Fees added to Part Admission Court Judgement by Flight Delay Claims company
Hi All I am helping a friend who has recently been chased for a debt by a flight delay company. I won't go into the specific details but they admitted part of the claim and this has been accepted by the company(£71.09). We have received the form from the court filled in by the company and added on are £35 court fees - ok I…
Paying old debts loans & credit cards
We have been paying Lloyds bank for old loans, overdrafts and credit card for about 20 years. These debts were caused by the bank giving us more credit than we could afford, they just kept giving us money. What can we do to clear this debt, l have just been made redunedant and have under gone heart surgery and it is…

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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
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Energy complaints to be dealt with more quickly and Energy Ombudsman to get new powers under Government plans
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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
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Applied for South West Trains 'boundary fares' compensation? Act now to claim it
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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.
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 Payments 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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