Debt-free wannabe

Hello after speaking with StepChange and Debt Camel it looks as if a DMP is my only option. I currently have 85k debt (this includes interest on loans) Monzo - £15k Updraft - £21217 Updraft - £4600 Updraft - £4000 Norvuna - £9251 Zopa -£6500 Zopa - £7300 Zopa - £6324 Catalogue - £1218 Credit card - £1300 Credit card -…

Hi All, I've just found out about a debt (small amount) of my partner's (over 20 years old) and has been passed from one company to another. I thought that he'd been paying £1/£2 nominal amounts on all and we have addressed the others (paid of or stopped paying when no CCA could be produced). This seems to originate from…

hi I have three unenforceable accounts , no CCAs produced with link . today received three letters from moorcoft debt recovery. Does this mean they have took over my account? I plan to to say that the debts are in unenforceable. Can anyone advise me please? Letter says ‘Your account details have been passed to us by…

So i have received the letter below as 1 of 2, personal Credit card and a seperate one more or less identical for a personal loan. Looking for some solid advice on how to proceed. Just received them and do not want to leave something too late. Background info :- IT Contractor. * Had accident in August 2018 was ill for a…

Hello! I am look for some advice please. Background: My Spouse and I had some credit card debt but had consolidated onto a 0% card and were managing well, both working and paying off chunks. My spouse became seriously ill and after several months in hospital they came home and I am now full time carer. This was 5 years…

I have reached the point where I can no longer service my debts. I currently owe £36565 in unsecured debts and a secured loan of £15088 (currently with the FOS). I know that I will have to keep paying my secured loan. I have been doing a lot of reading on this site and I feel that a self manged DMP will be the best way for…

hi all Very new here. Have been reading a lot over the last few days and it’s been so helpful and supportive and has helped my worries no end so I want to start with a thank you. I’ve got myself into a lot of debt and I think self managing a dmp will be the way to go but want to sense check it and also ask a few questions.…

I have just received in the mail a letter telling me that bailiffs will call on 22nd of this month. It's for a ccj that I didn't know I had from 2022, the creditors is intrum poplar designated activity company. I've never heard of them. In 2010 I separated from my them wife and found myself briefly homeless and with no…

Hi everyone, I’m hoping someone with experience of DMPs might be able to give me some advice, as I’m feeling a bit overwhelmed and don’t really know where to start. I’ve spoken to StepChange about my situation and they’ve talked me through a Debt Management Plan, but I’m still unsure about the practical side of actually…

Long post… thank you if you get to the end! I'm hoping there may be people here who have been through something similar and can offer both practical advice and a bit of support. After many years of nose diving, about 6 months ago, my family ended up in severe financial difficulty and were eventually evicted from our home.…

hello I am now in the stage of having received default notices, and letting them go through (aka the 14 days period) I’ve received letters saying the whole amount is now due and I am unable to make monthly payments. Do I wait for the DCA to send me a letter then set up a payment plan with them? NatWest had a default…

I have finally gotten some defaults now but I have a few questions: Q1) Opos Limited: I have started my first payment to Opos Limited collecting for JAJA CC due to them saying in an email that they have not been able to contact me and therefore have no option but to return the case to their client and advising legal action…

Currently on a debt management plan and have sold our house to release equity to pay off our debts. We have a couple of issues with this we owe 56k and have 50k available but I am currently 8 months pregnant and our car is broken - cracked windscreen, doesn’t lock, front door doesn’t close properly and we cannot fit all 3…

Afternoon all, I have had a read through a lot of the topics and it’s a great resource and full of great advice. I’m hoping for a bit of advice with my situation. I got into a bit of trouble back in 2018/19, leading to missing payments and subsequently defaulting on a few credit cards and a loan. I have since paid off all…

Hi all, I have been going through a self managed DMP thanks to the advice I gained here over a year ago. I have been paying token amounts to around 8 creditors which are mostly credit cards but also a loan. They all accepted this and I have been making payments on time. Last month I wrote to them all with the standard CCA…

Hi, I've been getting stressed about debt for a while now, and even though I've been subscribed to the MSE newsletter for ages, somehow didn't even think about checking here for advice! I moved into my first house a few years ago, and as I'd only rented furnished places before, owned basically nothing, and that combined…

Hi everyone, I’m posting because we’ve reached the point where our £60,000-ish debt is becoming completely unbearable, and I think we need to be brutally honest with ourselves and get some outside perspective on what we should do next. Our money problems really started towards the end of 2024, when my wife was made…

Hi all Thank you in advance for any guidance or advice you can offer me as I begin my journey to becoming debt free. I am intending to enter into a DMP as I find myself drowning in debt after a change in circumstances and honestly years of bad choices. I was planning on doing this via step change but have been reading the…

Hello all, I've embarked on my becoming debt free journey a few months ago after struggling with it for years. In short - a bit over of 30k debt over multiple CC'd, a couple of cash loans, and then Klarna and to top it of a few payday loans, 11 lines of credit. I've then started to fail behind on payments as the 0%…

Hi all, first time posting. I'm a bit out of my depth with this so apologies if I get the terms wrong. I pulled my credit file recently and found two old credit card debts I'd sort of put to the back of my mind. The first is with Cabot, around £9,900. The file says it was originally a Barclaycard, opened December 2012, and…