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Link finance and Kearns solicitors
I have four debts that Link finance have been persuing for the past 10 years that amount to £27,000. I have made numerous offers to settle the debts for around 50% of the full amounts over the past 10 years but Link always demanded no less than 85%. So I have paid £1 per debt per month since 2014 as token payments until…
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Getting on track
Hi guys. I have finally decided that not only am I useless with money, but I can't try to go it alone any more and expect things to get better. I am seeking the advice of the MSE sages and looking to try get a hold of my finances. Could someone please point me in the right direction for how to get started, I assume by me…
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10,000 steps, 1 step at a time.
As always with the start of these, long time lurker, first
time sharer. This past year I’ve become very serious about my finances and it’s
paying dividends (excuse the pun!). The purpose of this post and blog is to
share my journey from the past year, what impact it has made, and be a record
going forward of what happens…
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Huge Ovo debt
Just before lockdown I answered the door to a caller who wanted me to save money by changing my energy providers I said I couldn’t as my bills were paid by fuel direct from my benefits as I have had mental health and mobility problems . She assured me everything would stay the same if I changed my mind I could go back to…
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Low Mood Highlander :(
I don't really know why, I posted in the main debt free wannabe forum. I am doing ok, gone down from £30,000 last September to £16,000. Unlikely to be able to be debt free by this time next year but you never know. Although I am budgeting for Xmas etc I know, due to all birthdays, car MOT and service and Xmas I will…
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Diary of a 30-something idiot
Hi everyone, I've been lurking on MSE for a LONG time desperately trying to ping my reluctant brain into some form of lightbulb mode. My life is imploding around me and my ADHD brain is constantly seeking dopamine and for years that has been through the form of impulse purchases, which obviously has caused me some huge…
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Broke and lonely with it
Hi, i just need some help to keep myself accountable for getting my bills brought up to date after a spell of no income and no savings. Basically i left a well paid career due to stress and now earn a lot less than i used to. I do have cc debt from when i could afford to borrow it but have decided theres no way i can pay…
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My debt free dream
Hi everyone I've found all your debt free diaries and updates so motivating.. so I've decided to start one for my own accountability and motivation! I started out with £13123 total debt, mostly on CC, but hoping to make my first payments towards them at the end of this week! Aqua - £5021 Vanquis - £3500 Capital One - £2702…
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Nearly 40 and had my lightbulb moment!
Hi, I am currently on a journey to pay off 3 credit cards. I have downloaded an app where I put the figures in and its given me a final date of April 2026 using the debt avalanche method. More than the minimum have been paid on time every single month but i'm struggling to build up an emergency fund. Its funny doing this…
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Small steps lead to big changes...
I thought I'd start a new diary for the new year. It always feels like time for a nice fresh start, and whilst I don't really make resolutions, it's always nice to have a plan of things I'd like to achieve. After many, many years of struggling, it feels like my finances are finally on a more even keel, and I have for the…
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Advice on Defaulting and DMP
Hi everyone I'm very new to all this so would like some advice on how best me and my husband can approach our debt situation. For background, this debt has been an accumulation of expenses since 2018 (from my husband moving from our home country to the UK, crazy expensive visa fees over the last years, parent's death and…
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Experience of negotiating with Lowell
Hello, apologies if this is the wrong part of the forum to post this, I don't post very often. I've had a debt hanging over me since 2005. I've got £8000 outstanding which I've been paying a very small amount off monthly to Lowell who've had the natwest debt for around 4 years. They have written an offer letter for 50%…
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Help with offer made by Lowell
Hello, apologies if this is the wrong part of the forum to post this, I don't post very often. I've had a debt hanging over me since 2005. I've got £8000 outstanding which I've been paying a very small amount off monthly to Lowell who've had the natwest debt for around 4 years. They have written an offer letter for 50%…
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I just need to be better and develop some good habits
Hi everyone! This isn’t my first money diary, but a lot has changed since my last entry. My income has increased substantially, and I now have a partner. Together, we’ve been fortunate enough to buy a lovely home, valued at £700k. That said, my lifestyle has evolved—so much so that my past self might hardly recognize me!…
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Refresh: My 6 year journey from -5 figures to +5 figures (it was 4 years, but I messed up)
Hi everyone, For the last 18 months I've just been trying to survive, pay a lot of tax bills that are due and tread water without having to consider going bankrupt. I've just been servicing my debt over and above this, always dipping into it and never reducing it - it was a problem for another day once the tax was dealt…
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Returning to UK after 9 years, will my old debt be a problem?
I left the UK 9 years ago owing around 30K for credit cards/loans and am looking at returning. I never actually received any CCJs but am aware that they could have been delivered in my absence, so I'm unsure of my current 'financial status' in UK I have tried an online search but it only covers the addresses for the last…
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Worrying about debt everyday
Hi everyone, I’m getting to the point that I’m thinking about our debt all the time but don’t see a way out. My husband is self employed and doesn’t put money aside for his tax and so when he gets his bill it hits us and we have to scrape the funds together and of course this has had a knock in effect of having to buy…
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2024 - slowing down, simplifying and saving up for a more intentional life!
I’ve decided to draw a line and start a new diary ahead of the new year. For background, I’m in my mid 40’s, Mum to one amazing little boy and feel as though I’ve never got a grip on this whole adulting lark! This is reflected in the very chaotic nature of my life and the way I budget / manage the household finances (or…
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General.debt advice
Please advice. Someone i know has been paying off some debt for over 5 yeqrs through monthly amounts set out by step change. They are looking to move house due to disabilities This would be a smaller property. At the moment they carnt save due to paying off the debt that was occurred. Does any body know if it will conti ie…
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One final push BPD vs DFW
Good Afternoon all, I have been debt free before and even had a good little pot of savings. But in 2022 I suffered from a BPD spiral so big it landed myself (35f) and my husband (35m) into £32k worth of debt in a mere 6 months with nothing to show for it. Since then I have been signed up to Stepchange and am down to £23k…
