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Affordability complaints question
I sent an affordability complaint to Novuna finance using the debt camel letter template. I’ve received a reply from them requesting evidence such as 3 months bank statements from the account I was paying the loan from, and also 3 months of statements from any account that I regularly paid direct debits from. i just wanted…
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Old Black Horse debt..
Hi, I'm wondering if anyone can please give me some advice. Over 25 yrs ago I took out car finance with Black Horse. After many money troubles and a marriage break down a charge was placed on our mortgage from Black Horse for repayment of the loan when and if the house was sold. We finally sold the house in 2022 and the…
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Looking for the best path forward
Hi all, I’m looking for some guidance about whether an IVA or temporary reduced-payment arrangement is more appropriate for me. I’ve got a few debts in my own name and two in my wife’s name that I’m responsible for (I spent the money, so I’m paying them). The mortgage is currently joint but is likely going into her sole…
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Writing to creditors individually
Hi, I am currently, after advice from Business debt line, contacting my creditors individually and asking them to freeze interest and consider wiping debts off. I am also awaiting my Dr completing a DMHEF due to mental health issues. My debt is personal debt, but as I also have a small business I needed to go through…
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Link Financial - Destroyed Postal Order and no CCA?
Hi it’s me again! I received a response from Link Financial after they received my CCA request letter. They just said that they have destroyed the Postal Order but no mention about my request. How should I move forward with this?
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Settlement Offers
Hi, I’ve been paying a DMP for just over 2 years and I now have almost half of the remaining figure available to settle the remaining balances. All debts have defaulted. I’ve sent f&f offers (40%) to all creditors and I’m not getting very far with them, they’re slow to respond and some have rejected. The only one to accept…
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Moriarty Law - Court Claim URGENT PLS HELP.
Hi All I have a court claim that was dated 6 nov 2025 - I have only just received this in the last week as I had moved address and my old landlord handed them to me. It is a court claim by moriarty law who I was paying £5 a month manually 6 months ago, but due to all of the stress of moving home etc I have forgotten to…
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Full and final settlement advice
Hi all! I’m looking for some advice on making Full & Final settlement offers to my creditors. I currently have around 7 defaults on my credit file, all roughly 5 years old. I’ve been paying them through a StepChange DMP, and for the last few years I’ve been paying around £60 per month (I used to pay £120 before my…
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Questions about a DMP and £50k in debt
Hi everyone, over the last couple of weeks I've been focussing a lot on getting our debt in order as our outgoings on paying of credit cards is unsustainable now that I've realised we're going about £230 over every month and using credit to pay for food etc. We have around £48000 across 5 credit cards, a £500 overdraft and…
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Money Moral Dilemma: Should I pay off son's debts for a second time?
This week's MoneySaver who wants advice asks... My son moved back in with me after splitting from his wife eight years ago. Now two of his daughters live with us too, and he has just quit his job as the hours didn’t work with childcare. He owes £20,000 to banks and credit card firms. Do I give him the cash to clear it?…
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Creditfix - IVA annual review
Hi I am looking for advice. I am currently in an IVA with creditfix. I have paid £256 x 39 months so have 21 months left to pay. My IVA started with hanover insolvency and was taken over by credit fix. I have had just 1 annual review in my first year where I had to pay £50 addition due to overtime and the continued with…
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Orbit just came to the door
I have been ignoring Cabot and Orbit over a matter from 25 years ago when my abusive late ex husband made me sign a loan agreement for a car. He died and did not pay it prior to that. It obviously disappeared from my credit file years ago and I have worked hard to rebuild my credit. I have never responded to them. Orbit…
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Ombudsman complaint on hold
Hi there, I received the email below today, in relation to 2 complaints against Virgin credit card complaints that were upheld by the investigator… Virgin didn’t agree, so it was escalated to the Ombudsman a couple of months ago. I’ve not paid anything in 12 months and both had defaulted but are no longer showing on my…
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Please help £75k debt!
Hello everyone, I found this forum and have been reading different stories the last couple of weeks because find myself at breaking point, 35/M I have a history of gambling addiction which is the root cause and for the first time in my life ( it has been approx 2 months where i feel in control of it and honest with it to…
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You won't have to repay your credit card balance?
Hello everyone. With my work, personal health and then a family member seriously ill my finances took a hit. I went from living on credit cards to finally being unable to pay them. I wrote to explain my situation and complain about the constant rises in credit limits which shouldn't have been applied. After basically being…
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Debts and DV
Hi, it’s been a while since I’ve been on here but I really need your help. i have recently ended my marriage which included physical, emotional and financial abuse. I have been in contact with CAB, they say it will be hard to get any write offs due to financial abuse but they will try. My husband was in and out of work and…
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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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ONMO DEBT TRANSFERRED TO AJJB LAW
So I have had a text message from AJJB Law stating my ONMO credit card debt has been transferred to them. I will be honest and naively thought ONMO would have sold this on rather than going straight to a law firm, so panicking a little about this. I have just clicked on the link sent in text which directs me to the AJJB…
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Payment plan
You set up a payment plan with a debit company (A). You then get a letter saying your debit has been borough by another debit company (B). What happens to the payment plan with company (A), does it automatically stop.
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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…
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