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Debt-free wannabe
Archives for October 2022
Discussion List
What Small Thing Will You Do This Week?? 03/10/22
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…
Unsecured debt write-off on health grounds not to be considered due to having a mortgaged property?
I have a 4k credit card debt which has
never defaulted despite having paid a £1 payment every month for the last 6
years. I’ve posted previously about this debt situation and am trying to deal with it. However, in doing so, I have a separate question due to the point raised in a conversation with NCO who manage the debt…
DMP
It's over a month now on breathing space and apart from accepting this breathing space I now have a dilemma Stepchange have emailed me saying if I don't respond within the next 20 days then my case will finish and I'll have to go through the process again, but if I start my DMP then my debt will be on file longer, so what…
Car finance
Hi, hoping to get some advice for my sister. She has been in a relationship with h an absolute loser for a while and he has convinced her to get a big, fancy car on finance that is completely over the top for their needs. The relationship looks to be coming to an end but she cannot afford her rent on her own salary due to…
£25K Unsecured Debt - Options - SOA Included
Hi guys, I have posted here a few times. Long-story short, I owe £25,000 in unsecured debt to a number of lenders. I applied for a IVA but was rejected on the basis of my personal loans being less than 12 months old (all of them are). I gambled the entire lot and lost it within months. That part of my life is sorted, on…
Turnin 30 and £16k in
Hi guys! This has taken me a long time ti post! Just being young and stupid. Takin CC out to ‘build credit’ and loans that were too easily available to me I’ve got into abit of bother. I know it’s not a lot but it’s scares me. I’ve recently paid off two of my low limit CC and got rid of them which takes me down to 5. I’ve…
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