Debt-free wannabe

Very disappointed with PayPal Credit customer service and the confusing way the whole system operates. A transaction of £1,177.93 (MILLIONVIEW) was refunded, and the refund clearly appears on my statement. However, the same amount still continues to appear as outstanding under a promotional balance section, making it…

Hi all. I have received a letter from Mortimer Clarke Solicitors in which the header states: "We have been instructed by Cabot to take legal action as you haven't paid your debt, you need to contact us to avoid a court claim being issued against you." They "offer" two options, pay in full £2316.02 or pay by instalments. As…

hello I have huge debts and considering an Iva, my mortgage is with the same provider as one of my cards that will be on the Iva, will this make any difference? Any impact on mortgage of the credit card is with the same bank. It’s virgin money

Hi, I’ve had 2 letters regarding my nationwide loan that I’ve not paid since November 2025. I’m still waiting for it to default. I added the letter from Reach Out below. I know the advice is to not engage, however, as I’m waiting for an answer on write offs due to domestic abuse, I’m unsure if I should speak to them…

I have paid down all my debts over the last 18 months but have 1 remaining that keeps going round in circles. It’s been through at least 5 different collection agencies, each time I request the CCA, it gets put ‘on hold’ and then I hear nothing, until another agency gets hold of it and it’s a repeat process. I’d kind of…

Hi all, Looking for some guidance on this situation. In 2019, Mortimer Clarke issued a County Court Claim against me for around £550 on an Aqua credit card. A CCJ was entered by default as I didn’t respond due to mental health issues. The CCJ is now over 6 years old. In 2021, Aqua refunded £100 for unfair charges. Those…

My Barclay card has now defaulted and the debt has been sold to PRA and they have passed onto moorcroft to collect payment, do I start paying moorcroft or ignore and wait them to return it to PRA?

Hello all, I've got myself into approx £45k worth of unsecured debt over 1 loan and 5 credit cards. I'm not currently in any arrears, and 3 of the 5 are on 0% interest at the moment. Due to some changes at work, I can see this spiralling out of control. I've entered all my details into stepchange who advised a DMP over 8…

I had something on hire purchase from Perfect Home and I paid a lot of it off when they went into administration. I had a phone call from someone at the store and they said there was nothing left to pay. Anyway, a while after, I started receiving letters from a company called Perch/ACI saying that I owe £xxx of money…

Any advice on how to pay off a £35000 mortgage in full funds currently held with Nationwide Building Society?

Hi, I think my situation mirrors a few people, high debt, not told my partner etc. I have 40k in card debt. I have a loan and a loan that due to finish in 6 months with my parents. My outgoings and card payments leave me about £300 short a month. I earn a decent amount which has helped and hindered me having to do…

Hi everyone, I have been steadily racking up more and more debt since leaving university. I am from a low income background and at the end of my degree I didn't have the option of returning home as many of my cohort did. I was thrust straight into private renting with no understanding of council tax, income tax or anything…

hello we received a letter dated 11/10/2024 from a company called arrow, no idea who they are... the also had another letter inside from a company called opos.. both letters was claiming that they took over a debt on 1/06/2023 and say we owe a debt of £250 from Shop Direct (Carval).. that of we have no idea who they are…

hi all I am on a self run dmp plan. Lowell just sent me a letter saying may send someone to the house. Do they actually do this?

Hey hey, Got an email from a debt collection agency that had a CCJ attached to it with an old and wrong address. This is for an alleged council tax debt of 1,200, relating to student accommodation I rented in 2022, long story incoming: I've lived in this room in a 4-bed flat in Wales as a student and was exempt from…

I need some advice I’ve been making temporary arrangements with a few of my cards whilst unwell multiple chronic illnesses I missed two on Vanquis and was £30 in arrears . I’ve been in touch and now back up to date . This morning I’ve noticed a default on my ClearScore saying added January is there anything I can do as I…

so I'm wanting to pay off some debt with a Jaja balance transfer card I've been offered a 0% intrest 0.99% fee for 24 months I need to pay Currys creation and very which are both coming to an end I will pay these on my virgin % on purchase for 12 month the do a balance transfer to the Jaja will I be charged intrest on the…

Elderly person has a account with overdraft, which is constantly in a massive overdraft paying around £400 interest per month. There is another account where pensions and benefits go in, which is also using overdraft. Power of attorney is in place, and there were attempts to sort it out, interest frozen for awhile with…

Hi I have recently come out of a 10 year relationship and managed to get my debts down quite significantly but I am struggling as a single mother of two to do the final 15 grand totalling interest etc I am thinking a DMP is best route. I have 1 x large loan £13,500 2 x payday loans £1000 3 x credit cards £1550 I havent…

I have used whatsthecost.com" for snowballing credit card debts, however I am getting a "service unavailable HTTP 305 this service is unavailable" Looking for an alternative which is as easy to use. Looked at lemonfool but I can't seem to figure it out. 😕