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Debt-free wannabe

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

Council tax issue
This discussion was created from comments split from: Can Council seize your house over failure to pay Council tax?.
Debt Statute Barred but.....
Hi, I have a debt with Link, the debt came off my credit file on Dec 2024, since then link have been sending me threatening letters, I replied with Statute Barred letter, they replied I made a payment back in Oct 2022. Now this payment i know is £1 and was for a CCA request, and was paid by a postal order, when i requested…
Paypal Credit Default
Hi, I'm new to this forum and I don't know if this has been discussed before but I had a PayPal credit account that I defaulted on back in January, I think, but I haven't received anything since to say that my debt has been sold to anyone, admittedly I generally don't answer phone calls from numbers I don't know so I may…
Moved: CDER GROUP Bailiff Action
This discussion has been moved.
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…
Can Council seize your house over failure to pay Council tax?
Hi all. In the worst case scenario, can the Council seize your home to settle your council tax debts/arrears? Even if it means them making you and your family homeless? Absolutely shocking if true.
Conundrum
Hello folks, I was down to my last 2 debts, and was able to pay one with a 75% discount with a well-known dca. It was roughly £600 and due to be statute barred in 2027, but I had previously admitted to it. The same company have my final debt also, which is due to be statute barred next July ‘26. I have not admitted to this…
Issues with Equita
Hello, My husband has a debt for roughly £2000 originally for a university module he never attended but had to pay for still. Anyway, didn’t pay as tried to fight it, ended up with CCJ and sided with Uni and the debt has been with Equita ever since. started off £25 per month and then dropped down to £10 due to financial…
DMP check list and sanity check
Hi everyone. I have spent many hours going through old posts, reading testimonies and doing my research and first of all just want to say how good the information in here is and how much I appreciate everyone’s input so thank you. To my question/s. From my understanding the steps are basically: statement of affairs (done)…
Santander Bought back debt
I posted a while ago but have updates today so need advice please on the new stuff and questions! Back story Joint overdraft Husband in an IVA ( them paying his contribution) Me paying wescot (Cabot bought but wescot managed) 6 years later IVA paid off, I'm still paying the remaining balance. Had a letter from Cabot this…
PRA GROUP - Offer
I was wondering if someone can help or advise what they would do in my situation. I had an old credit card debt going back to the late 90s that I took out and defaulted around 2007 on it. Ever since I have been paying what I can afford to pay and send in income/expenditure details to them very 6 months. They have been fine…
CCA - reconstituted agreement provided
Hello Many thanks for all your help previously on this Forum about my debts, it’s been a great support mentally for what is a really frightening and stressful situation. As an update: All accounts have now defaulted and I have sent away for CCA for the accounts that have been sold. I have now had back from Cabot a…
How long can conumser debts be legally chased?
Hi I was looking to get a bit of advice. I entered a DMP back in 2011. After initially repaying a smaller amount for 5 years, I was able to work with most of my creditors (original and those the debt was sold to) to arrange a final repayment to close the accounts in 2018/19. One creditor (who is the 3rd owner of the…
What to do…
I’m in approx 70k of debt. I have been looking at a dmp and have mentioned this to my partner, however she is not keen. She thinks it may affect my position in regard to an opportunity with the company I work with. The risk as far as I can see it is if I get credit checked however that won’t be pretty without a dmp if…
Fixed and final settlement
Such amazing advise on these pages thank you all for making the journey easier. I’m a way off but when get to fixed and final offer times what percentage is average to pay roughly? Also after what period of time will most consider accepting an offer? Thank you
Still Waiting for Default letters. Should I ignore NCO?
I’ve missed payments the last 2-3 months for all credit cards and loans with the view to defaulting. I have been receiving letters about missed payment and £12 late fee being charged. I haven’t not answered any phone calls. I have not received any Default Notice from any of my creditors yet and I am still waiting for that.…
Prioritising Creditors
I am currently paying 21 creditors £1 each per month, they are all debt collection agencies. Today Mortimer Clarke Solicitors have refused my offer of £1 per month saying: "Our client has considered this proposal very carefully and, in view of the outstanding balance and your outgoings, is not prepared to accept the offer…
Loan may default, what happens?
I have a £15k loan with Shawbrook that I have been paying off for the last 2 years. The first year was fine, I made my monthly payments on time and in full but then unexpectedly got made redundant and I had some health issues on top of that. So for the last year I initially used my savings to keep the monthly repayments…
How to deal with DCA's with no income?
Hi all. After taking some advice from the kind people on here a number of months ago, I took the decision to allow my existing debts to default. This was the only option available to me at the time and was all I could do to keep my head above water to ensure the mortgage was paid along with all the other priority bills.…
Start of self managed DMP
Hi!! Having read a lot of posts and comments I’m about to start a self managed DMP. Would probably be easier to go with one of the providers like stepchange but I want the freedom to make decisions and changes along the journey. A bit concerned with the calls and letters and the stress added to it that I know will come…

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MSE News

Martin Lewis: How to call your bank with just three digits – as 'anti-scam' phone number called over a million times
One million calls have been made to the '159' anti-scam phone number since its launch in 2021, new figures reveal today (Wednesday 30 April). MoneySavingExpert.com founder Martin Lewis – one of the well-known faces most used in scams – explains how to call your bank by dialling just these three numbers.
Revealed: Holland & Barrett's supposedly cheaper 'Subscribe & Save' often costs more – it's promised a review after our investigation
Holland & Barrett's 'Subscribe & Save' scheme claims to offer regular shoppers "the best value" – but it failed to do so in the majority of cases MoneySavingExpert.com checked over a five month period. The retailer has now promised to review the scheme after our research found it was often more expensive.
Don't get your passport by post – 360,000 paid more than needed last year
If your passport is due for renewal, apply online if you can – it'll save you £12.50. More than 7 million Brits did just that last year – but over 360,000 missed out on savings by using a paper form instead, MoneySavingExpert.com can reveal.
Sainsbury’s Bank customer? NatWest takes over this week – here's what it means for savers and borrowers
Sainsbury's Bank's savings, credit cards and loans will be taken over by NatWest from Thursday 1 May. For most, this means little will change for now as the Sainsbury's Bank brand will remain, though it's expected to be phased out towards the end of this year. However, if you've over £85,000 saved across both banks, it's worth considering moving any excess elsewhere to ensure your cash remains protected.
Chase customer? Check if you can get its newly boosted 4.8% easy-access saver
If you've got a Chase account, check if you can boost your easy-access savings to 4.8% – made up of a 1.8% AER fixed six-month bonus plus its standard 3% variable rate. Chase says over 2 million customers can get the boost, which would top our normal savings tables if it were open to all, though it's beaten by the top easy-access cash ISAs.
NatWest to complete takeover of Sainsbury's Bank this week – here's what it means for savers and borrowers
Sainsbury's Bank's savings, credit cards and loans will be taken over by NatWest from Thursday 1 May. For most, this means little will change for now as the Sainsbury's Bank brand will remain, though it's expected to be phased out towards the end of this year. However, if you've over £85,000 saved across both banks, it's worth considering moving any excess elsewhere to ensure your cash remains protected.
Martin Lewis: Is the £20,000 cash ISA limit about to be killed off? What savers should be doing now
Plans to cut the £20,000 cash ISA limit later this year are being considered by the Government. In his latest video, MoneySavingExpert.com founder Martin Lewis explains what's likely to happen, what the changes would mean for savers and what you should be doing now.
NatWest to complete takeover of Sainsbury's Bank this week – here's what it means for savers and borrowers
Sainsbury's Bank's savings, credit cards and loans will be taken over by NatWest from 1 May. For most, this means little change for now as the Sainsbury’s brand will remain, though it's expected to be phased out towards the end of this year. However, if you've over £85,000 saved across both banks, you'll need to move any excess elsewhere to ensure your cash remains protected.
NatWest to complete takeover of Sainsbury's Bank this week – here's what it means for savers and borrowers
From Thursday 1 May, Sainsbury's Bank credit cards, loans and savings accounts will be run by NatWest as part of a deal between the two banks. You'll be moved to NatWest in the future, likely towards the end of this year, but for now the Sainsbury's Bank brand will remain and you can continue to use its products and services as before.

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