-
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…
-
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…
-
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…
-
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…
-
Double default same account AMEX
I've fought for years to get debt and default free with only 1 default (AMEX) left on Equifax and Experian. It's due off Oct 26. Im paying £25 pcm to them and not missed a payment even though its hard. I rang them today to ask if that amount could be reduced as Im almost negative £300 pcm on their own calculator. They sayd…
-
Merged: Help with DMP repayment amounts
This discussion has been merged.
-
Help with Rundles enforcement fees
I had missed council tax payments on a rental property which was vacant, as the managing agent had not forwarded mail to us. The situation carried on for come months, as the property was empty due to a problem tenant. A liability order was issued and Rundles were appointed. I have just cleared the arrears on the council’s…
-
Car...what do I do?...any advice
this is stressing me our massively and hope you amazing lot will have some advice. So Im on a DMP, been so for 6 months - all going well. My car is on ford options, its not included in my DMP - the PCP Options expires in April so I am at a loss what to do? I can give it back there are a few dents and knocks so i am sure…
-
ACIUKLTD have set up a directdebit and taken money from my account
Hi, I've noticed aciukltd have set up a dd on the 24th December 25 on my account. I did not authorise this with my bank. Furthermore, i've never heard of aciuk ever before this. No letters, no emails. No correspondence at all. I have no idea how or why they have done this. What do I do? (I have no reason to be in debt,…
-
Dmp
hi I am in a DMP and my debts are now being defaulted and sent to debt collection agencies I have read they can pursue the debt to the point I will have to sell my house ? Has anyone had this happen ?
-
What to do
Happy New Year all, Light bulb moment in 2022 woth the below huge debt. Went to stepchange who were great 2022 to 2025. May 2025 asked for ccas and got them all back. Want self managed and paid less thinking I'd be snowballing up with full and finals. The next one was at about £150. My very one was at about £550 got a…
-
Link Financial purchased debts.
Hi, It's been a long time since I dealt with DCA's, however, due to my disability, sickness and an elderly dog requiring long term treatment, I have, over the last couple of years fallen behind with my 2 credit cards, my JD Williams account, PayPal credit, etc. PP are ok, I managed to get a bit of leeway and pay them a bit…
-
Self managed DMP - do I start repaying now?
Hello all Following the extremely helpful advice on this board, my personal credit card debt was no longer manageable (repayments of over £1k a month which I couldn't afford) and I'd run out of balance transfer offers, and all my cards were at standard interest rates so I stopped all my direct debit payments for my credit…
-
I want to be debt free in 2026!
Hello :smile: I'm new here but I've used MSE and read posts on the forums in the past. Over the last 10 years or so I've constantly been in debt and nearly out of it and then back into debt. It's been a range of things but usually just not making enough money to cover everything I've needed. I started a new job in March…
-
Spending limits
Hi, does anyone know of a bank that lets their current account debit or credit card users to be able to set a temporary spend limit, lets say £100 over 12 hours, that would be irreversible? Asking for a friend 🤣
-
Advice needed
Good evening. I have been a very long time lurker on this site and I now find myself needing advice. I have around £30K of credit card and loan debt; 11500 with Natwest £1700 to Capital One £2500 to NewDay (Fluid) £2500 to Vanquis Loans: £4888 to lendable £6590 to Zopa This month is the last month I can make all minimum…
-
Car on finance held before and after discharge bankrupt - years later - made no payments for years
Hi, looking for some advice
please. I had a car on finance before then being made bankrupt. I have still
got the same car and it has now been a few years since i was discharged from bankruptcy,
now i haven’t made any finance payments as the payment direct debit was
cancelled years ago, and the finance company haven’t been…
-
Help need advice
I have just been hit with a repayment of outstanding council tax (£3.5K) from around 20 years ago from my employer! Only worked for them the last 7 years and this is it just coming out now despite pre employment checks being carried out when I was starting and nothing flagged then. I can set up a payment plan via my…
-
DMP / IVA or Self Managed DMP?
No one offered any help so I have deleted my post.
-
Debt
I owe my Sister - £7,262.62. PayPal Credit - £3,109.97. M&S Credit Card - £2,800.62. Klarna - £441.26. I also have a Mental Health Condition. I think my Debts will only get cleared if I keep paying and only spend when I have balance on my Debit Card, will take determination. I receive Universal Credit with Disability…
A place for MoneySavers to share their journeys towards debt-free living.
9.1K discussions
1.8M comments
Most recent: Let's get this sorted then! by Rhyddid2026
Today at 6:46PM
Forumites help each other push down their debt by setting challenges and encouraging each other to achieve their goals.