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Debt-free wannabe

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

Link Financial - Can anyone help?
Hi all, we have been contacted by Link Financial regarding an old Lloyds TSB debt. We don't believe that it is accurate and have no knowledge of it outstanding. We have sent two prove it letters, the first we received no response, the second we received one dated 7th March was an acknowledgement from their complaints…
Partial settlement with debtors
Hello all, I am considering offering a partial settlement to my 3 creditors at some point this year, however, does anyone know the following: - Is it worth tempting to offer a 5% or 10% settlement? - Will the creditors ask for any documents as evidence? - If so, what proof can they ask for? Like for example, can they ask…
Martin Sheen
Is anyone aware if there are charities involved in writing off debt in the UK, in the way Martin Sheen helped the people of Port Talbot over the last 2 years? Looking for specific charity / charities to make contact with.
CCA Request
Just want some views on this. Is it silly asking for CCA agreements for 2024 year credit agreements... hoping they cannot get one for legal action enforcement. Cant really find much information on new agreements but found a fair bit for older agreements
Monzo arrangement
Monzo came to me a few days ago before I had really read advice on here as I was struggling in my overdraft for a while. I have a flex credit card with them as well, which ive never missed. Now they approached me and said would I like to make an arrangement in which they will freeze interest and repayments for 6 months.…
What small things will you do this week? W/C 17 March
When we start on the DFW trail we do loads of "big stuff" that makes quite a difference to our situation. These include having our lightbulb moment, cutting up the credit cards, and cancelling Sky and the gym. But once we have done the bigger stuff, we often feel that we are not making the same amount of progress, when in…
Is this legal by Bristow & suitor
hi, this is all me to me so not sure if I’m in the right place. Due to illness my other half lost her job and we fell into debt. We have 2 curt order payments with Bristow and suitor which works out to around 35% of my wages. However as one debt is nearly cleared I’ve noticed they’ve stopped taking money off of that debt…
No where turn credit card debt
I am feeling very stuck and not sure where to go at the moment. I have racked up £10,000 -£12000 in credit card and over draft debt. I was using the cards to help pay for things whilst I have been working part time since have second child. We cannot afford the full time childcare. Yes we will get 30 free hours in September…
DMP or not…..ND person ….
My friend was posting for me but she said it was suggested I should do myself. I am autistic and adhd (late diagnosed) and let my finances spiral out fo control after a well paid job and now I’ve been gradually trying to build my income back up. I am thinking of going on to a DMP but finding it very overwhelming as I…
Next steps once default is registered
Hello kindly debt helpers, I have been waiting for defaults to be registered to 6 credit card accounts. Had taken about 6 months all in all! It looks like about 3 have now been sold onto different debt management companies who are calling me constantly. Wanting some advice about next steps before I contact them… Can I come…
Paying off IVA
My father recently passed away and I will inherit around 100k from the sale of his house. I am planning to pay off my IVA, this should be by October time. When would I be able to apply for shared ownership as my IVA is a 5 year plan. I'm 2 years in.
DMP or IVA advice needed
Hey all, im new to this thread and could really use your help and support in our situation and how to proceed, im embarrassed and feel so ashamed that it has come to this point but i need to act now as it is seriously affecting our quality of living. I feel I have made some bad financial decisions and with a house purchase…
Preparing for a DMP – A Few Questions & Seeking Advice
Hi Everyone, I’m in the process of setting up a DMP and currently working through my Income and Expenditure on the StepChange website. I struggle with anxiety, and I’m feeling quite panicked about making a mistake while completing the online form. However, reading through this forum and seeing your support to others has…
Trying to avoid DMP, thoughts please.
This discussion was created from comments split from: 0% credit card deals ending - sick with worry.
Help needed with the maths- lendable loan near defaulting
I feel I may have to contact my creditor to explain this to me as I’m confused so thought I’d ask here first incase one of you may understand it. I dont want to make contact with them if can help it as I’m one month away from getting my default notice. But I can’t work the maths out. :/ I have 2 lendable loans. Both I have…
Consolidating loan for credit card debt
This post is about getting a loan when you have a bad credit record. The situation is debts of circa 5K GBP. Mostly a credit card but also Klarna and Council tax. This has been due to the impact of having to supplement a monthly income adversely impacted by absences caused by poor mental health. Credit rating is "very…
Moved: Statute-barred debts
This discussion has been moved.
0% credit card deals ending - sick with worry
Hi everyone first time posting and I have had a good look through the other really helpful threads. I have £15 on two credit cards both on 0% deals which are coming to an end on 1 April and end of July. My credit rating is just ‘OK’ and I do not think I am going to be eligible for any other deals. My husband and I…
ARC Europe chasing. Debt in dispute.
Hi Everyone, Hoping someone can help here. My wife was a member of a gym that she explicitly joined for the swimming pool. It was out of order more days than it was working. My wife went ahead and cancelled, citing the unavailability of the pool as the reason she was was leaving and wrote a letter of complaint. She didn't…
Santander payment plan
Afternoon all - this forum has been such a help to me on my debt free journey and wondered if anyone could help with an email address/bank details for paying an affordable amount to Santander? I am self managing a DMP and don’t want to speak to them on the phone ideally just make an affordable payment. Thanks in advance…

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MSE News

Lloyds, Halifax and Bank of Scotland to cut overdraft rates for millions but hike them for others – here's what's happening and full help
If you're a Lloyds, Halifax or Bank of Scotland current account holder, the interest rate you're charged for using your overdraft could change soon as part of a fees shake-up. The Lloyds Banking Group, which owns all three brands, says millions of its customers will pay less after the changes – but a "few" will pay more.
Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
Around 2.7 million more low-income households, including 900,000 families with children, will become eligible for the £150 Warm Home Discount this winter, as the Government has confirmed it will remove the existing 'hard to heat' eligibility criteria. The extension has only been confirmed for winter 2025/26, with further changes possible for future years.
Martin Lewis: At last a chance to fix Council Tax flaws impacting millions – debt collection, difficulty challenging your band, discounts and more
Major flaws in the Council Tax system in England could finally be fixed in future, as the Government has launched a wide-ranging consultation to review hideous debt collection practices, the difficulty of challenging your band, the overly complex and horribly-named Severe Mental Impairment discount and more. MoneySavingExpert.com founder Martin Lewis, who has long campaigned on these issues, shares his response and analysis.
Energy complaints to be dealt with more quickly and Energy Ombudsman to get new powers under Government plans
If you have a complaint about your energy firm, it may be resolved more quickly in future, as the Government has announced a raft of proposals to strengthen consumer protections in the energy market. The planned changes include giving the Energy Ombudsman new powers to force firms to comply with its decisions – but it's still very early days. Here's what we know so far.
Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
Around 2.7 million more households, including 900,000 families with children, will become eligible for the £150 Warm Home Discount this winter, as the Government has confirmed it will remove the existing 'hard to heat' eligibility criteria. The extension has only been confirmed for winter 2025/26, with further changes possible for future years.
Base rate held at 4.25% – here's what it means and when it might be cut next
The Bank of England has held the base rate at 4.25%. Below we explain why, when it might be cut, plus what it means for your mortgage and savings.
Applied for South West Trains 'boundary fares' compensation? Act now to claim it
If you applied for compensation from South West Trains before the deadline in January 2025, you now need to provide your bank details to the claim administrator so it can be paid to you. Here's what you need to know.
Winter Fuel Payments to be reinstated for millions – Martin Lewis explains how it'll work, what it means and if it's an improvement
All State Pensioners in England and Wales will receive a Winter Fuel Payment this winter, though those who earn over £35,000 will see it clawed back through the tax system. It means nine million pensioners will get the £200 or £300 top-up. Here MoneySavingExpert.com founder Martin Lewis shares his instant response and analysis, and we include answers to your key questions.
Winter Fuel Payments to be reinstated for millions – Martin Lewis explains how it'll work, what it means and if it's an improvement
All State Pensioners in England and Wales will receive a Winter Fuel Payments this winter, though those who earn over £35,000 will see it clawed back through the tax system. It means nine million pensioners will get the £200 or £300 top-up. Here MoneySavingExpert.com founder Martin Lewis shares his instant response and analysis, and we include answers to your key questions.

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