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Protected Trust Deed / Debt Arrangement scheme advice
Hi After weeks of sleepless nights I am finally admitting defeat that I can no longer afford to pay my debts. I had a look at stepchange and their advice came back at either a trust deed or debt arrangement scheme (im in Scotland) I owe £50k in total though £20K of this is a car pcp which runs until March 2029. i…
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Credit card debts
Good evening, Firstly thanks for taking the time to help. I am trying to improve my financial situation. Over the last 8 years we have accumulated a significant amount of debt. Total at the moment is around £30k which is majority on 0% interest credit cards. A smaller amount of 3k is to a family member. We have recently…
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New here and considering DMP without my husband knowing
I’ve been lurking and reading for a while now and it’s been hugely reassuring to read everyone’s journeys and advice. Stepchange have recommended a DMP for me, I am however hoping to keep this from my husband, not only because he doesn’t know the mess I’ve got into, but because he’s really not in a good place with his…
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Received a court date for parking charges after following advice on this forum... What's next?
So, after following the steps posted on the stickies here on MSE and following various advice and doing everything required. Here I am with a court date for a parking charge. I am now asking for advice on the nest steps with telling Euro Car Parks Ltd to F off. I imagine they will not want to pay the £27 to risk losing and…
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Moved: Reset 2026
This discussion has been moved.
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Debt and AVC
I’m not sure if this is the right place to ask this, so feel free to move it if not. As most of you know I have stopped paying my non priority debts and waiting for them to default before setting up a self managed DMP. im 53, and having taken about 13 years off work whilst my children were young, I won’t have a great…
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Home Visit Letter from LINK dated 25th November 2025 for Unenforceable Debt
Hi guys; I received the attached letter from LINK on 25th November 2025 stating they are potentially going to pass the account to their "Reconnections Team" who will asses the account for a "HOME VISIT" to my house. Long story short [and detail of the background of the debt]. The history of this debt is that I have it in…
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Link financial help
Hi I have received a letter from link saying they haven't recieved my payment of £4.99 on my fraser group account due on 28/11/2025. I haven't got an account with these people and I haven't been paying anyone 4.99. I did wonder if it was anything to do with an old account with studio I stopped paying 2 and a half years ago…
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Self management/ stepchange
Hi all, I'm just looking for a bit of advice. I was recently made redundant from my workplace and have been given 11k payout. I have £15k of debt and I'm hoping to make partial payments to each of my 5 creditors. I've asked stepchange for all my info that they hold on me and my debts. All debts are credit cards or loans so…
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Link financial/moneybarn
Hello i had a car finance with moneybarn back In 2019 ad car was repossessed fast forward to the last few weeks and i have suddenly got some communication from link financial, the first One was saying that i had missed a repayment of £250 and they would register a default..funny thing is i have never spoken to link…
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Non-priority debts and deprivation of capital
Just been reading this housing allocations policy, and this doesn't seem right to me: "As part of the application process bank account and savings details must be provided and, if it is found that an applicant has recently held £16,000 or more in their account and has spent or transferred large amounts on non-priority…
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Finio/Oakbrook standing order details
Hi, Does anyone know of the naming details for Finio/Oakbrook or know where this information might be available? Google isn't helping me and they seem unwilling at present to give them out without going through their payment plan tools on their website. Thanks
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Admiral Loans…defaulted, now they have written today saying going to Default me (again).
Hi, I last made a payment to Admiral in November 2024. The Default letter and note of default on my credit file happened in April 2025. i have received a letter today stating an arrears amount of 12 months missed payments and that if I don’t pay, they will default me… Should I sit tight or write to correct them that I…
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Frasers Plus
Hey all, trust me I've tried searching the forum but keeps giving me House of Fraser competitions. Anyway Frasers Plus have taken over my Studio account and they've added over £400 interest and it's giving me such a headache, I paid over 50 quid the first month despite it saying no payment was required, that seemed to push…
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Old debt of my daughters
Looking for some advice please for an old debt of my daughters. She took out a loan in 2011. She was making payments until she lost her job. The loan defaulted and was eventually sold to Link Financial in 2016. She didn’t hear anything from them until 2019 when they asked her to contact them with regards to some kind of…
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Affordability complaint accepted - next steps?
Hi, I wanted to start a new thread specifically on this topic so it didn't get lost in my original thread to help me get the best advice, I hope that's ok. I've been lucky enough so far that 2 out of 3 responses to my complaints have been accepted partially accepted, I still have more complaints outstanding however I hope…
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Reducing Interest
Im finding it hard to meet my multiple payments, this is due to mismanagment i admit, im told that credit card companies are obliged to offer support by reducing interest, a payment holiday, or some other method, what is the best way forward, i have multiple cards in total around 22k, thank you for any advice.
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Collections letter
4 months into self managed DMP and blanking all communications. Just had a letter delivered to my mother's address which I haven't lived at for 10 years! BPO collections on behalf of la redoute. This has made me so angry. Checked my la redoute account and my address is upto date and I have had no letters from them to my…
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DEBT letter from OPOS ?
hi , hoping for some spot on advice here , it all began about 7 weeks ago i got a letter fro some sort of A alleged debt from a company called opos ( never heard of them ) in my name to my address so i opened it up to read i can pay in full pay in bits and or pay up front fee of £77 via a web site on this letter and by…
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I and E form from Castle Community Finance
I'm just starting out on a self managed DMP I called CCF as this is a credit union and you knowledgeable folk advised me to keep them happy. The telephone call to them went really well the guy was very understanding and helpful and told me to fill in and Income and Expenditure form which I have but they've come back asking…
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