We'd like to remind Forumites to please avoid political debate on the Forum... Read More » This is to keep it a safe and useful space for MoneySaving discussions. Threads that are - or become - political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.

📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

Debt-free wannabe

Archives for November 2021

6 weeks till statute barred status
Apologies that I've signed up to post this however can anyone advise on what I should do with regards to the attached letter. I've just come off the phone with one of the debt charity's and they've said that theoretically a new company can take over the debt and the 6 years can start again?? I have been waiting for this to…
Time limit to provide CCA
Some years back I was in a very abusive relationship and accrued some debts. I have one very old credit card debt that is about 6 months from being statute-barred. I requested a CCA in June of this year to Overdales. In November they have sent me a photocopy of the 'short application form' but I don't think this is my…
No CCA unenforceable debts
Hi, out of 10 debts that I have, 7 have no CCA's. The defaults all drop off in 2023. I am now receiving many discounted offer settlements from the unenforceable DCA debts. Is there any value in clearing these debts one by one? My current plan is to keep saving what I can to clear the enforceable debts off first at…
CCJ Missing on file?
Hi, I received a CCJ on July 27th. I sent an offer letter soon after offering to pay back £100 a month. I heard nothing back at all until today when I've received a Notice of enforcement, high court writ issued against me, etc. What puzzles me is that the CCJ isn't showing up on my credit file, and it's not showing up on a…
Delinquent v’s default
Folks, Around 2016/17, I took out loans with Provident, and I think I stopped paying them around April 2017. Every month on my credit file, they’re still being updated as ‘delinquent’ as opposed to having been defaulted, and I’m wondering if I can get this changed without settling the clock back to now. I wouldn’t mind…
Pay back loan early or not
Hello everyone: Sorry if these questions defy the rules of normal finance and common sense, I just want to double check: In 2019 I took out a consolodation loan with Barclays. I have no fixed assets and therefore the inteest rate was high but lower than the credit card debt that it paid off. I have successfully not got…
Debt Recovery agency UKSL asking for water bill from 2017
Hello to everyone, I am here to ask your opinions, I will be grateful if you could treat me like 5 years old and enlighten me regarding my issue, I will try Not to bore you, that is why I will be super quick about giving details, - I have had a small business back in days between July 2012 to April 2017, it is a small…
Support Needed
Hello everyone. This is my first tentative post about our debt situation. I am hoping for some kindness and non judgement but also maybe a gentle kick up the bum to help me navigate the best way forward. The debts are mine and my husbands although mainly in his name. We have around £10000 credit card debt, A car loan of…
Best money tracking/saving apps and websites
Like a lot of people, I just don't know where a lot of my money goes. I look at my fixed outgoings, and my monthly salary should easily cover these and give me a nice chunk left over to spend on non-essentials, yet every month I seem to be more and more in debt, bigger overdraft, etc. I really need to track my money more…
Cabots debt letter recieved
Can someone please advice me.. long story short, I left my marital home few years ago, but ran some debts from studio catalogue about 8-9 years ago, I was in very financial difficulty so could not pay. Now have recieved a letter from them after all this time, I moved about 4 times since then. How did they know where I live…
Need cder group advice, desperate
I have a court fine from ages ago, I don't want to go into that, it was at a very bad point in my life. Because the amount is high, cder group have said it needs to be paid within a certain timescale and set the payments at £365 a week. I suffer mental health, anxiety, depression and have a medically complex son in the…
Zinc group settlement
Hi everyone, I've recently agreed settlement amounts with my debtors. Most have accepted my offer of 30% as a final settlement however Zinc Group are a notable holdout. They are my second biggest debt (around £1500). The original debt was with EE and Zinc have said they can only offer 25% off as a maximum. They don't own…
Debt help please
This discussion was created from comments split from: DMP mutual support thread part 13 !!.
Enstroga Emails, Disputed Debt
Hi everyone, I've posted about this on another section of the forum but have been told this is the best place to raise it. Basically, Enstroga have been chasing me repeatedly via email saying I owe them £1,017.68 from the time when I lived in my old flat, August 2018 to September 2020. There are several issues with this.…
Capquest response to CCA - not sure what it means
Can someone interpret this for me please, 'we have contacted Virgin Money to request this information however we have been unable to obtain this information from Virgin Money' 'what does this mean for me? - as we have been unable to fulfil your request, this request is now closed - your account is no longer on hold -…
DMP and debt help
Hi all, I started a DMP 13 months ago which was near on 20k, its due to be completed in July 2023 but I really would like to get this paid off by the end of next year. I have read bits and pieces on here about requesting CCAs and being able to get lower amounts to settle at? Is anyone able to advise me on what's best to…
Repercussions from defaults
Hi, I’m new to this site but I could really use some advice please. I have read several other threads and may post a full SOA once I’ve worked everything out but just some general info would be useful at this stage. Situation is I’m married with children, both working full time but have accrued debts from Covid and my…
Help! Frozen with doubt, don’t know where to start to get out of debt.
I’m getting tied up in knots trying to figure out what is the best course of action to shift the debt I have. Just want to know if anyone has a clear cut method of sorting it out. I’ve looked at a debt consolidation loan, not sure I’ll be accepted for one. Money transfer credit cards, same problem. Should I talk directly…
Help with a very old debt - Orange / Arrow Global / Resolvecall
Hi all, Hoping for some advice on a letter I received today from ArrowGlobal / Resolvecall. They claim to be acting on behalf of Orange to recover a mobile phone debt. I knew nothing of this, but searching my email I can see I had some communication from Arrow back in August 2012 about it. As far as I understand, this is…
What Small Things Will You Do This Week? 22/11/21
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…

★ ★ ★ Meet your Ambassadors

Confirm your email address to Create Threads and Reply

MSE News

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
Major flaws in the Council Tax system in England could finally be fixed in future, as the Government has launched a wide-ranging consultation to review hideous debt collection practices, the difficulty of challenging your band, the overly complex and horribly-named Severe Mental Impairment discount and more. MoneySavingExpert.com founder Martin Lewis, who has long campaigned on these issues, shares his response and analysis.
Energy complaints to be dealt with more quickly and Energy Ombudsman to get new powers under Government plans
If you have a complaint about your energy firm, it may be resolved more quickly in future, as the Government has announced a raft of proposals to strengthen consumer protections in the energy market. The planned changes include giving the Energy Ombudsman new powers to force firms to comply with its decisions – but it's still very early days. Here's what we know so far.
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
The Bank of England has held the base rate at 4.25%. Below we explain why, when it might be cut, plus what it means for your mortgage and savings.
Applied for South West Trains 'boundary fares' compensation? Act now to claim it
If you applied for compensation from South West Trains before the deadline in January 2025, you now need to provide your bank details to the claim administrator so it can be paid to you. Here's what you need to know.
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.

View All

Debt-free wannabe

Confirm your email address to Create Threads and Reply

🚀 Getting Started

Is this how you want to be seen?

Get our FREE Weekly email full of deals & guides - and it’s spam-free

Debt-free wannabe

Discussion List

Confirm your email address to Create Threads and Reply

🚀 Getting Started

Is this how you want to be seen?

Get our FREE Weekly email full of deals & guides - and it’s spam-free