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Debt-free wannabe

Mutual support and help for those on their journey to becoming debt-free.

MBNA CCA validity check
Hi guys, I requested the CCA for my MBNA account which Is currently with Cabot. I have received this today and was just wondering if someone could help me with the information I am looking to check please? It does have my name and address on it along with the date. In terms of credit limit it says this will be on your…
Lowell - Vodaphone debt - Never had a Vodaphone account
My mum (Aged 65) has received a letter today from Lowell saying they have bought 'her' debt from Vodaphone. She has never had a Vodaphone account and these kind of things worry her. So i am getting involved. Thank you to those who have posted in the past and i did follow the link to the contact form which i have completed.…
Persistent phone calls from PRA Group
Hi DFW's, New forum user here. I've had a long and tumultuous relationship with credit/debt.Long story short - PRA keep calling me to chase a £800ish debt from around 2012. I was paying them £1 per month (standing order had been set up) until early 2023 but called to tell them my circumstances had changed (accumulated £20k…
Charging Order from 2009
Hello We are in the process of trying to sell our house. When I say trying, we actually had an offer that we accepted back in November 2024. The issue now is that our solicitor doing the conveyencing says the only thing holding everything up is 3 charging orders that I had back in 2009. They have managed to connect with…
Unmanageable debt - starting a DMP
I’ve been lurking on these boards, I hadn’t realised my debt had spiralled so much. I was shifting debt between cards and I’m all out of 0% offers. I’ve done the SoA and cried. And now it’s time to sort it. it’s a combination of things that have led here, including gambling, which are being addressed. It’s my own sole…
Full & Final settlement advice
Hi everyone, I've read through a few different threads and stories here and would really appreciate some advice on mine. I have unsecured debts totaling circa £40,000 across credit cards, loans and overdrafts. These range from £12,000 loans to £1,500 overdrafts, and a lot in between. I don't have any great excuses or…
Default Notice Letter Received
As the title states I have today received a letter from Lendable with a default notice with the usual demand for full payment, which is all well and good however this account was defaulted to credit reference agencies back in January 2023, why would they only be sending this now? They can't renew the default, is this just…
Which debt first? - help
I have the following debt and looking for advice. I’m due to inherit £7k which I want to use to towards my debt. My aim to reduce my monthly outgoings on the debt by September as I’m due to remortgage in October so having more each month will be better I think for my mortgage application. I need advice as not sure how to…
Moved: Monument Bank App not working
This discussion has been moved.
Payplan and clearing debts
Hi, I am currently in a DMP (balance around 30k) with Payplan, I have an investment maturing next February which I will use to clear the debts which Payplan are aware off, I am receiving default notices in the post. I am best to continue paying the full payment to next February and get Payplan to see if they can negotate…
debt help
HI all, im trying to get my finances in order as im currently in a lot of debt, £32k ish currently I can just about to pay the minimums and loan payments every month. and if I do overtime or hit bonus at work I can live a little bit etc ive done a SOA which ill add below. I know I can save a bit if I change my car and im…
Will default automatically lead to current account closure?
I have two separate loans with HSBC: loan 1 : £17,480 (34 months remaining and pays £514 per month) loan 2: £4,577 (12 months remaining and pays £351 per month). I also have a HSBC Advance current bank which I transfer £100 monthly for daily purchases but my salary doesn’t go through HSBC. The current account has £1.5K…
£25,000 in debt
Hello after a terrible year last year, with my partner caring for an elderly relative and not earning as much. I have found myself in debt, credit cards £17’000, £2000 overdraft, and a personal loan I’m paying off. You seem to get over one thing and then something else happens. Cost of living has affected us with 2…
Paying repossessed car debt
Looking for advice for my son whose car was repossessed after he fell into arrears with car finance. They have now instructed a solicitor and are chasing him for £20,000 which he hasn’t got. He needs to sort out some sort of repayment plan by the end of this week and is worried sick. He says he has been told by Citizens…
Close credit card?
Hey, I am currently paying off my debts (they're on 0% credit cards at the moment) I have just cleared a debt with BC, the credit card doesn't have any annual fees to it, neither am I planning on using it. The available credit on it is 13.5k Now - here's my question 🙂 In September I have around 9k of debt that will need to…
50k on credit cards all out of 0%
I’m in a bit of a pickle now, I am making and affording the minimum payments each month over 6 credit cards and there’s about 50k balance across them all, ought 1k split amongst them all. Is there a good idea to start to get these consolidated? The interest is probably outweighing the minimum monthlies. i am self employed…
LOWELL / ALL OF A SUDDEN CONTACT FROM LOWELL
Hi, :) So in 2015 I was 18 and took out a phone contract, the phone broke and I stopped paying. Young and naive. Debt ended up going to Lowell. I was paying £10 a month or something then stopped. Can’t remember why I did. but it ended up with me getting a CCJ. I didn’t attend court or anything as I never knew it was…
Advantis
My son has had a letter from Advantis yesterday about legal fees debt , this court case was nearly 13 years ago he has no contact with anybody since and no letters , out of the blue this letter was put through the letterbox yesterday ,My question are have they any right to pursue this debt as it's 13/12 years old Does he…
Step change Dmp
I have just started a dmp with stepchange. I have a loan with zopa and they have said they are gong to keep adding interest to the loan. Do I just keep paying token payment to stepchange? I read on their site they may pass the debt into P2P ltd. Will they agree with the dmp payment. Has anyone had dealings with them?
Credit cards default
Hi Guys, I have defaulted multiple credit cards totalling 25000£.zopa(3000£),natwest(9000£),halifax(2500£),llyods(3500£),Aqua(3100£),fluid(2000£). I have missed 2payments and might be on 3/4 it goes to default. I don’t want to enter into IVA or get CCJ”s.I lost job 2months ago and struggling financially. What are my…

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