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Debt-free wannabe

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

Fraudulent JD Williams Credit Agreement
I have had a credit agreement opened in my name with a previous address. I can only assume through identity theft. Two items were supposively purchased and now I am being chased by a debt company for the cost. Although the debt company cannot even identify which item were purchased but they can tell me how much they…
A letter asking (in a very aggressive way) for me to pay a Credit Card that had long since defualted
I recently applied for and got a decent(ish) mobile phone. I had to have a smartphone for banking and for anyone who has worked at Amazon, you will know that awful app that decides when you are allowed overtime and when you're allowed off etc. No sooner than I chanced my arm and got a decent contract phone I started…
Payplan £26k debt - F&F Payment
I’m currently in £26k worth of debt. I have been with Payplan since July 2024, making £703 monthly payments. It’s my husband and I’s goal to be debt free by the beginning of 2026. Since starting my DMP, my husband started a new job which pays him very well and has allowed him to be able to pay his debt (currently £9k)…
Plan of action
Soliciting views on my plan of action. Background Due to redundancy in 2006 I entered into a DMP with Step change, this continued successfully for many years. In January 2018 I then entered into an IVA as circumstances had changed drastically. All accounts had defaulted long ago and have gone from CRA's. In February 2019…
IVA, Inheritance and Solicitor Advice
Hoping to get some advice, feeling really stuck and defeated about the whole thing. This is a bit of a strange one. So unfortunately I lost my job in the pandemic due to being severely unwell, leaving me with a chronic illness and no longer able to work. I already had some debt before I lost my job, and when I was super…
Help with form to request statutory demand to be set aside
Hello, I have downloaded the form 1AA to request to have SD to be set aside as husband is disputing amount of debt owed - I am usually pretty good at completing forms and have downloaded the advice form too, but am having doubts I have done it correctly - could any one provide some basic extra guidance or an example of one…
Should I take a loan out for negative equity on car (PCP), to then get a cheaper car?
I bought a car on PCP back in January 2023. Car was £35,000, with monthly payments of £508. This was fine back then, I had a short commute and no kids. I now have a longer commute and a child, and looking to reduce my bills down a bit to make life a bit easier. My current fuel bill is about £210 a month, so around £730 a…
Advice please
I currently owe lowell around £1500 as i defaulted with very back in 2017. I pay £1 per month. (Yes i know it’s bad). This is no longer showing on my credit file. Just pay the direct debit monthly. I also owe brecon debt recovery (next) around £1300, again i defaulted in 2017. I pay £5 per month. Again, this is no longer…
DMP Help
Hello all, Please can you support me in understanding my options. Newly separated from partner, he will at this point continue to pay half the mortgage. I have added his share 700 to my wage 2600 to make my total income 3370. I have completed a SOA as below. I won't be able to afford all the payments and need to know what…
Debt advice for moving abroad.
I am planning on moving abroad in the next few months and have £14k approx in debt in the UK (credit cards and unsecured loans). I don’t plan on ever returning as I don’t have any ties to the country apart from friends and don’t have any significant assets in the country. I have a private pension of £10k but apart from…
Looking for advice "for a friend"
Evening all... So a work colleague has roughly 50k of unsecured debt.. Owns absolutely nothing, he works takes home around £2900 monthly.. I don't know his expenditure.. Married, two kids, wife on disability.. Doesn't want to tell the wife or kids.. I suggested going BR having previously been there myself in 2021, but his…
Beginning to default
I have set up an account not linked to any debts. My salary for this month will go into my old account. Can I just transfer it to my new account and cancel my debt direct debits, or should I wait until next month? Thanks for any advice
Coming off Stepchange to self manage DMP
I am on one at the moment! Been working at this all yesterday, and I'm absolutely determined to get sorted. I've read all the direct advice I've been given so far and read lots of other threads as well. I've decided to come off Stepchange and stop paying unsecured debt for both me and my husband, we have a DMP each with…
Statutory Demand Advice
Hello, bit of basic background - Husband has become very poorly and as such has liquidated his company in December and liquidators are going through the process . Two of the company debts have had personal guarantees - one was for a van finance and one for a loan (he gave a personal guarantee based on the equity in the…
Help - AJJB Law Debt Collection Chasing Me for a fully Paid bill from Together Energy
Hi I moved recently and was with Together Energy at my old address. Together Energy were trying to bill me for an extra 3 months after I moved out so the bill was too high,after some time they revised the bill to the correct date.I paid the bill via my bank account. When I checked on my account a week later the bill was…
Leaving certain debts out of DMP
Hi, I think I am going to bite the bullet and go with a DMP. I was wondering is it best to include things like Klarna and Very? I have accounts with them with very small debts (usually pay in take 3) or 12 month interest free. Can I just not include them? Also Stepchange online is possibly suggesting a DRO for my husband,…
Debt from uksearch Ltd that I feel I don't owe
Hi I've been given a water bill f9r a unit that I rent which I feel I don't owe. This is due to the fact that the company I rent off have said the utility bill I pay each month is for the electricity alone as they cover the water. I was sent a letter from business stream 2/10/24 saying welcome on board. I never signed up…
DMP and car insurance
Hi I’m considering a DMP and I’m just wondering about car insurance. I normally pay monthly and you need credit to do that. If I have a DMP I’m guessing I won’t be able to pay car insurance monthly due to poor credit? I don’t think I’d be able to pay a full year up front. Is this right, anyone had experience of being in a…
Cabot financial and ORBIT just sent a man to my door!! I am a vulnerable customer. What do I do?
Hello, I am paying back at £5 a month a very old debt (so old it comes off my credit file this year) Cabot have been harassing me for months by calls, emails, texts and warning letters to fill out a budget form. I ignored it and told them to stop contacting me as I am autistic, paying it back and also vulnerable due to…
Council sending Baliffs after me for council tax I don't owe, advice needed
Hi, I wonder if any one an give me some advice council have sent bailiffs after me for money I don't owe. I'll explain in more detail in 2023 I fell behind in council tax in October of 2023 I came to a agreement with council and set up a payment plan which I have in writing. I worked hard stuck to plan, never missed a…

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MSE News

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.
Which NatWest and RBS branches are closing from 2025? Here's the full list – and banking alternatives
NatWest and Royal Bank of Scotland (RBS), which are both part of the NatWest Group, will shut at least 108 of their bank branches in 2025 and beyond, after the Group announced a further 52 NatWest closures.
Winter Fuel Payments to be reinstated for millions – Martin Lewis explains how it'll work, what it means and if it's an improvement
Winter Fuel Payments will be reinstated to all pensioners in England and Wales this winter – but will be clawed back automatically from those earning over £35,000 a year, the Government has confirmed. It means nine million pensioners will get the £200 or £300 top-up. MoneySavingExpert.com founder Martin Lewis shares his instant response and analysis.
Car finance mis-selling update: regulator prepares for compensation scheme – and warns against using claims firms
Payouts for mis-sold car finance could be another step closer as the financial regulator has set out the factors it will consider if it were to introduce an industry-wide redress scheme – though we won't know more about how this will work until after a key Supreme Court decision expected in July. In the meantime, the regulator has warned that you DON'T need to sign up with a claims firm to be included.
Winter Fuel Payments to be extended to pensioners earning £35,000 or less – here's what we know so far
Winter Fuel Payments will be extended to all pensioners with incomes of £35,000 or less this winter, the Government has confirmed. It means nine million pensioners will get the £200 or £300 top-up.
Winter Fuel Payments extension confirmed for this winter – watch Martin Lewis' instant response and his message to the Chancellor
Winter Fuel Payments will be extended to more pensioners this winter – though not to everyone – the Chancellor has today confirmed. However, exact details of who will now qualify still remain scant. Watch MoneySavingExpert.com founder Martin Lewis give his instant response, as well as his key message for Rachel Reeves.
Nationwide Fairer Share: Free £100 bonus confirmed for 2025 – here's who will get it
If you bank with Nationwide, you could get a free £100 paid into your account in June or July as part of the building society's 'Fairer Share' scheme. The bonus will be paid to millions of its current account customers who also have savings or a mortgage with it.
Forced onto a prepay energy meter? You may be due money back as 10,000s to be compensated
If you had an energy prepayment meter forcibly installed or your smart meter was remotely switched to prepay mode without your permission, you could be entitled to compensation of up to £1,000 and may even be eligible to have your energy debts written off.

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