Debt-free wannabe

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

Advise following CCA request
Long story but have now received my CCA (They sent me a CCA that was not mine so waiting on complaint I submitted), early this year they had sent me the CCJ letter before action. I have several others CCA request outstanding so is it best to sit and wait to see wha thappens now with this firm, or do I offer a token…
Facing up to my debt. What’s my best way forward?
I’m so ashamed of my debt and have been burying my head in the sand but need to face reality. I have about £30k of debt. I earn £47k per year ( single parent working full time with a small amount of Universal Credit.) Debt is made up of credit cards, loan, store card and overdraft. My monthly income is around £3000…
Statue barred help/advice
Morning all Need some advice , I had a debt with MYJAR £800 from 2013 , I have been hassled by a company in the first instance called ACI , I wrote to them in October 2022 using the template stating the debt was statue barred , They never acknowledged the letter , They carried on sending emails trying to claim the debt ,…
Debt and Mortgage advice
Hello All, I'm looking for some advice on how to handle my current situation and am particularly interested in how mortgage lenders look at debt / loans. I'm 27 and not in a good place financially. I've struggled with a gambling addiction for the last 3 years and as it stands sit £27k in debt. This is between 2 loans with…
Lowell Chasing a debt after 11 years ?
Hi all Lowell have sent me a letter for a Vanquis card debt from over 11 years ago? i checked my credit file and have no record of it at all It say 'Please let us know how you'll be paying your Vanquis account as soon as possible' they said that they will keep contacting me and may pass account to a 3rd party What is going…
Very old debts
I have recently successfully agreed monthly payments with all creditors, I was worried but all have been pretty straightforward,. It has however awoken some old debts, which one of the company's must have bought at some time. At least ten years old, I probably made a few payments 10 years ago, then just stopped when I…
Bailiffs MARSTON payment plan
Hi All I would appreciate some advice please. Its been a slow journey but am getting close to apply for Debt relief order Just waiting for a few things to line up. Got a big shock a week ago. Letter from bailiffs for parking ticket from 1 year ago. My old car was still registered to my old address so Letter was sent there…
Jacob Bailiff Threatening us urgent advice needed?
I wonder if anyone can give me some advice, yesterday this horrible Lady turned up at our house. My youngest son ran down stairs to open door as he thought it was his daddy home as he was due home around them. He opened door a bit but I got there just in time to stop him opening it fully. I closed door near too and spoke…
How do HCEO differ from each other?
There are plenty of High Court Enforcement Officers across the UK.How do they differ from each other? Fees? Customer service? Any tips on how to choose a good one?
Old debts and settlements
Hi everyone, I had trouble with credit cards and these defaulted around 2010. These have been passed around various collection companies and I have always continued to make very small monthly payments to these companies. My credit file shows no record of these debts. I have received a letter offering me 80% discount off…
6 year statue of limitations on personal loan
Hi looking for advice please Husband took out personal loan in 2006, last payment on it and contact from bank in 2008.No CCJ on his credit report. We married in 2020, all assets including mortgage in my name. We have no joint accounts and all bills apart from water and CTX are in my name, those are in both our names. Out…
Is £300 enough to live on for a month?
Hi. I am looking at getting rid of my final debt of £500. This will leave me with £300 to spend, does this cover me for the rest of the month baring in mind I have few hobbies such as theatre and the cinema and paying for dog treats, snacks, takeaways.
Opos Limited harassment
There was a random letter to me sent to a family member’s address a couple of months ago, from Capquest saying they had passed a debt of £130 to Opos. I have sent several Prove It letters. There is absolutely no way I owe this because I haven’t used ANY credit, except credit cards paid off in full monthly, for at least…
CCJ and debt default help.
Firstly, apologies as I've posted this on the CCJ forum and now realised that It should be on this forum instead. Can I delete that post? A few years back I got myself in a mess mentally and financially. I did what at the time was I felt my only option and buried my head in the sand. Fast forward to this year and I've…
Debt and severe mental health - write off
I posted a while ago asking if debt could be written off because of severe mental health, I was ready to take my own life due to debt. I had help from debt advisor who took my case and my psychiatrist sent in the form and letters. I had huge debts with 8 companies. 5 have agreed to write off my debt and I have 3 to hear…
A big thank you to this board
I've only just signed up to the forum, but I've been a lurker since 2020 when I finally dug my head out of the sand after getting into horrific debt in my early 20s. The debt-free wannabe board and the debt-free diaries were incredibly helpful in showing me that there is light at the end of the tunnel, and I came here…
what to offer full and final settlement - debt from financial abuse
hi, this is a first time post and am seeking some advice on settlement offers so apologies if it's too long just getting all the detail in. I have been left with approx £42K debt in my sole name due to financial abuse. All banks are aware of the domestic abuse and have been very supportive - i stopped making full payments…
ACI prove it
Hello, I have had some letters from ACI regarding a MYJAR account I have no knowledge of. I send them the prove it letter end of last week and today had an email stating: -------------------------------- Thank you for your recent email. We purchase all balances in good faith that they are outstanding, undisputed and…
Debt Repayment
I currently have an overpayment of Housing Benefit of £8000 which i am paying off at £11 per week. My family have offered to help and we are thinking of offering a one off payment of half, £4000 as full and final settlement. Has anyone done this with their local council or any other debt?
Dwp threatening letter?
I owe £149 to dwp for overpaid benefits. We agreed payment plan at least a year ago £10 a month iv now had three letters from them over last year asking me to call them to increase my repayments. Each time I return the letter with a note stating £10 is what we agreed and £10 is what il pay. Can they make me pay more?

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