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Debt-free wannabe

Archives for September 2022

Can a loan company ask for personal medical records?
Hello. I was recently diagnosed with ADHD, and one of the symptoms of my undiagnosed and unmedicated ADHD, was that I made some pretty stupid impulsive decisions when it came to money. More recently I had a bereavement and was also diagnosed with some health issues, so I have less money than usual as I'm on shorter shifts…
Possible Scam Email
I’ve just revived a very odd email which to me doesn’t look right but when it comes to my debts I panic. I do have outstanding debt but this is being dealt with. Has anyone else received the below: This is Calvin from the Credit Investigation Department. Hope you are doing well. I just would like to tell you that we have…
Always in my overdraft!
Hello. I always seem to be in my overdraft at the end of the month by £1,700 and have to use my credit card what sometimes ends up at £1400. I clear this all at the end of the month but seem to be in a loop hole. I’m earning good money but I’ve never been in debt like this. I know I could pay monthly payments on my credit…
DMP Mortgage Questions
Hi (newbie here so hope I’m writing this in the right place) I’m in the process of waiting for my DMP to start after finally calling Step Change at the beginning of the month. It’s been a very anxious time but I’m really hoping we’ve made the right decision. It dawned on me this morning that when Step Change write to my…
Terrified of the future
Not sure what I'm really asking, but the state of things as they are at the moment are terrifying me and I'm not in a good head space. I guess I just want to see how everyone else is feeling and gain some perspective. I'm on my debt free journey and my debts have decreased from around £43,000 in July 2020 to £26,000, but…
Help
Does anyone have any advice or which way I can turn. I'm £15,000 in debt my partner doesn't know and I can't get a balance transfer card, what do I do? Please help
CCJ - how long to pay?
Hello all. I had a CCJ around 10 years ago (credit card debt) - unfortunately they contacted me after around 5 years to enforce this CCJ. Now a few years later the CCJ has fallen off my credit record and I am paying a token £1 a month It seems the debt was sold to another company (was originally with IND ltd) and I have…
An IVA without my wife
Hi, After a few battles with mental health and family troubles I'm trying to once again get my finances on track. I have 9 unsecured debts that have now all defaulted due to many reasons, but mainly having the capacity to deal with it. I have read many posts on here and can see I'm certainly not alone but a lot of the…
Statute barred debt - do I sign the form?
Hi, I received a letter from a DCA (Link Financial Outsourcing) asking me to contact them to discuss my intentions regarding the outstanding balance on my account. I spoke to them on the phone and it turns out it's a student loan which I took out in 1996. The last contact I had with them was 2010 when I informed them of my…
what Small Things Will You Do This Week? 26/09/22
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…
Does statute barred debt apply to people who have died?
Hi, just recently we started getting letters addressed to my father (or representatives of), he passed away nearly 12 years ago now, aged 80. Apparently 12 years ago must have had a mobile phone contract, which I never knew he had as he barely used a mobile phone and I thought he used pay as you go in anycase. Its been…
I need some help with my debt please and some advice.
Since last year I have been in an iva but I stopped paying it in March this year because they told me I could still get credit but they lied. Then they told me not to say that I had mental health issues because I wouldn’t have got the iva so they are breaching their contract aren’t they ? I thought iva was my only way out…
Advice on paying off some debt.
Hi I'm just looking for some advice on debt repayment, I currently have a CC with £5750 left on it and a loan with a settlement figure of £3450 which still has 2 years to run. I'm paying the CC (0% balance transfer which runs out Sept 2023) £250 per month back but this morning I will up it to £450 per month. I'm paying…
Help/Advice
I currently have a DMP with PayPlan for unsecured debt of approx £55k Ihave an income of circa £50k and am a house owner with mortgage repayment of £1300 a month My DMP has been set up for repayment of £1317 per month. This has started 3 months ago. My issue is this amount is leaving me absolutely no wriggle room and I…
Becoming debt-free and going back to 'normal' - did you?
I have been fortunate in that I am now completely debt-free, with my final debt, the mortgage, being paid off earlier this year, I now owe absolutely nothing to anyone and am even in credit for my utilities. I was never in terrible amounts of debt anyway and always coped but I hated having money going out each month so for…
DMP
Having read the forum just want to confirm a few things, due to financial pressures I now need to set up a DMP. My understanding is, it’s best to stop payments straight away, save the money and wait for the accounts to default before agreeing a DMP either self-run or via Stepchange. Looks like my accounts will default at…
Threatened with repossession proceedings
So, we have just short of 3 months arrears with Nemo and they seem determined to make life difficult. They have contacted me about the arrears which were just over 3 months and I offered to pay an extra £30 per month. They have sent a letter refusing the offer saying they need a budget planner first and if I don't get this…
118118 Money loans default
I’m not sure this is the right place to post. 118118 applied a default on my loan on 10 Dec 2020, the account was in an agreement (Covid - furlough). A payment was made for November 2020 and then January 2021. So I missed Decembers payment only! As with most communications with 118118, via email. I can’t remember receiving…
Crap with money
Hello everyone…. I’m so sorry to whinge, but I am in such a dark place right now, and I’m so crap with money, I just don’t know where to start! I’ve only got myself to blame and that’s what really hurts…. If anyone has any suggestions please please just give me a shout, it would very much be appreciated 😊
Council tax bailiff - notice of attendance
Hi all, a bit of a tricky one I think. My new partner has had a notice of attendance from bailiffs regarding council tax non payment. I should point out that she is classed as a vulnerable individual for the purposes of dealing with bailiffs. She split with her husband 2 years ago and continued to live in her property with…

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MSE News

Ofgem proposes new 'no standing charge' Price Cap – but Martin Lewis warns vulnerable customers need to be opted in or it won't work
Ofgem has today launched detailed proposals for a major shake up to its Energy Price Cap that dictates the price over 80% of homes in England, Scotland and Wales pay for their energy bills.
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.

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