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PRA
Is it normal for PRA to become more persistent the closer it gets to your default falling off credit file? I’ve had a debt (currently £1020) with them since 2020 it defaulted in Dec 2019 and the last 3 months I have had non stop letters and voicemails asking me to contact them. The letter yesterday said I had until the…
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Relationship break while in an iva and have a morgage together
Iam 3 years 9 months into a iva. I pay £75 pound a month. For 13k debt. Ive got a morgage with my ex partner and there is roughly 55k equity on the house. My partner refused to sign the rx1 form. When I first entered the iva
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Unsustainable debt and long term relationship breakdown. Any advice welcome.
Good morning I've been burying my head and pretending everything was sustainable the past 5 years or so but it's getting to the crux. Currently in £56k of debt across credit cards and my 18 year relationship is over. We live together with a joint mortgage and 3 children. We don't have any other debts together or joint…
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Deaults arrived and a formal notice to pay - what next?
Morning all, I've done as advised on here, as i will we be self-managing my own DMP. Stopped paying all unsecured debt, some have now defaulted. One has sent a formal notice to pay. What do I do next? I've had recent bereavements and been quite overwhelmed but need to get this back on track. Is there a letter I need to be…
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Default Notice - Virgin CC
Hi everyone 👋 I’m a long time lurker on these threads; I’ve got £55k in debt through what is frankly, terrible money management over the last 10-15 years which I’m now trying to address. Ive received my first default notice today with Virgin CC telling me that I have until 3rd Feb to either pay them the minimum payment or…
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Help required with plans to default on Barclays CC and Bounce Back Loan.
Hi there, I have another thread going on Debt-Free Wannabe where members have been helping me greatly with sorting out a lot of credit card debt. However, I also have a Business Credit Card and Bounce Back Loan with Barclays that I am quite nervous about - as this appears to be outside the groups normal realm of…
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Dealing with £39K debt
Hello all, I built up debt over probably the last 2 decades, sometimes paying off, but then getting more credit. As the years went on and my wages increased I ended up taking out larger amounts of credit feeling I could handle it as I was always making the payments each month although increasingly this became the minimum…
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Statute Barred
Link Financial wrote to me in 2023 asking for an income and expenditure declaration which I completed. There was no admission or acknowledgement for a debt which at that time still had 2 years to go before being statute barred. There has been no payment for nearly 8 years and no other correspondence. They are now…
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Letter received from Lowell (PayPal) – help and advice needed please
Hi all, First-time poster here. A quick background on my situation: a few years ago, being young and financially illiterate, I unfortunately got myself into default with PayPal. I started to repay this debt over the past few years and have now reached the point where I only have around £662.64 left to pay off. I was…
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How to manage Large Deb- (DMP)?
Hi, over time I have racked up a lot of debt (over 20k) between loans and credit card. I recently had to take a pay cut and struggling to keep on top of all payments. I don't have a partner or family to help and wondering what the best solution is to get on top of it all. I have been looking into DMP but hear this may not…
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My journey
So I have £18k of debt but so far this month I have made £65! £15 on vinted and £50 my opening a Lloyds basic account. I didn’t have to pay anything into it or anything. Just open a basic bank account with Lloyds. No need to pay in, set anything up move direct debits or anything like that. Easy Peasy! (Removed by Forum…
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Trying
Hi! So I’m really hoping for any help support and advice. I have found myself in 30k debt no job single mom this time last year I had job, career sone debt but manageable My mortgage is up for renewal at the end of the year and I’m hoping to get a job by then as I really also want to move. Moving will be a possibility with…
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Received court claim for a statute barred debt (Cabot / Mortimer & Clarke)
So I received court claim documentation for a defaulted debt from around 9-10 years ago. Mortimer and Clarke "solicitors" have recently started hounding me about it and sent the claim through the other week on behalf of Cabot Financial. I have never paid a penny to Cabot Financial towards this nor ever admitted liability…
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ACI email
Happy New Year. I'm new here, but I love listening to the weekly podcast. I just received an email from ACI informing me that I will receive a visit at my home because I owe over £500. However, I have not received any prior letters, only this email. I have a learning difficulty (Dyscalculia), and I am confident that I do…
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Lantern UK text
Hello , a work colleague has been getting text messages from Lantern UK. Asking for him to get in touch, they don't name him. They are also asking him to wattsapp them. He's an elderly gentleman and worries quite a bit, he says he has no debt. I've phoned lantern and they say they don't use wattsapp. Is this a scam ??
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Urgent Debt Advice
Hi all, new here so thanks for accepting. I am looking for advice please. I have around 35k debt and looking for best advice to clear. I am working full time and have no assets (no car I own or house. I live with partner and have a baby. The house is a mortgage in my partners name only and I just contribute towards bills…
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IVA or DMP ???
Hello, I am really struggling with debt, so cut long story short I have spoken to a debt helpline and they have offered me an IVA or a DMP. I did a budget with them and they have worked out i have £217 available to pay towards my unsecured debts each month. My unsecured debts add up to £1,300 per month! Total unsecured…
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Help, £35,000 in unsecured debt and drowning
It's really scary posting on here, but I'm in a snowballing amount of debt and need to make significant changes. I've been spending on credit cards to cover day-to-day spending, and I know that some of my expenses are far too high (for example, spending a lot on entertainment and eating out that needs to be massively…
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New Leaf for 2026 - Dire Debts
Hm, what is that saying? 'New Year, New Me?'. I need to change that to 'New Year, Better Finances'! Hi everyone! I am 29 and in a stinking amount of debt which I need to pay off. I am hoping this is a forum to keep myself accountable and if anyone has any thoughts or advice, they would greatly be appreciated! My parents…
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Burnley Council chasing 10-year-old council tax debt
I’m sharing this because it highlights how councils can pursue people unfairly. Burnley Borough Council is chasing a 10-year-old council tax debt (£1,000). They failed to contact me for 4–5 years and part of the debt comes from a property I was illegally evicted from, where the council provided no support at all. At one…
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Most recent: Settling in for the long haul by Rhyddid2026
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