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Debt-free wannabe
Archives for September 2021
Discussion List
Statute Barred
I have not paid towards an old credit card for over 6 years but had a tomlin order put against this debt 2 years ago. Guessing statute barred does not apply?
Self Managed
Firstly want to thank everyone that posts and all the advice offered on here, I have lurked over the years and tried to read up as much as possible. We have been in DMP with Stepchange for 4 years and have paid of £17k off origianl £72k ( 4 x Credit Cards and Next ).... I am approaching 55 next year so plan has always been…
Paying off debts
Hi, I have £20,000 of debt (it has gone to a debt collection agency and now being paid off at £400 per month. No interest or charges are being added, just straight repayment until the debt is cleared) I just got another job to be able to clear it quicker. my question is…is it better to stick at my £400 a month repayment…
Car finance Debt
Hello In need of help currently in 6m arrears in car finance (HP) and got up to the stage were i cannot clear the arrears and will be reposed shortly. I spoke to the guy from the company asking what happens now, he said basically the car get sold at auction the outstanding balance gets sold to a solicitor we use and you…
Question about very old council tax debt.
Hi, first time poster and looking for some council tax debt advice if possible. A number of years ago (10+) I’d accrued a large council tax debt spanning 4 years after being largely unable to work due to my little one going through lengthy hospital treatments. Once things got back to normal I set up payment arrangements…
New Bank Account with DMP
If someone was considering starting a DMP is there any situation where they would be able to open a new bank account with their current bank, even if they owe money to that bank, without the bank being able to use those funds for the debt on the other account?
CCJ Advice
Hello I’m looking for some help regarding a old CCJ I have on my credit file. It’s for a student grant for over a grand, I was only able to pay small amount towards it over the years because of my situation and had plans in place for around £20 a month. I then lost my Dad and have had some financial difficulty of late and…
Help on loans
Hello, My husband and I have loans and credit cards which is 50K we have been good payers until my husband lost his job so I called the bank for help. It has been a stressful process as an informal plan was in place for the loans then they say it was a technical fault our plan was cancelled anyway one of my loans will hit…
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