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Thinking of entering into an IVA - advice gratefully received
Hi All, I am looking for some advice, I'll be talking to Payplan and/or National Debtline too, but figured it couldn't hurt to ask here as well. Here is my situation: I have about £20,000 worth of debt, Credit cards, loans, store cards, you name it. I got into this situation after my wife became ill and was unable to work,…
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Mortimer Clarke/Cabot counter offer
Hi, need some advice dealing with a counter offer from Mortimer Clarke. I defaulted on several debts over a year ago and have been waiting for letter before claims to come whilst building an emergency fund. In preparation, I worked out my leftover amount (£100) for non priority debts, and then working out each creditor as…
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Stepchange DMP
Hi all. SC agreed my DMP and want to begin payments on the 1st August. I’ve been reading up and it’s recommended to default first. I have some loans which have interest factored into the overall payment amount, if this defaults would the interest outstanding reduce? Do I ask Stepchange to pause whilst waiting for defaults?…
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Advice need in 66K debt.
Hi everyone, Hope all are having a pleasant Monday. I have been quietly following discussions on this forum particularly around managing debt. as from my title i am in a lot of unsecured debts mix of loans, overdrafts and credit cards. based on the information i have read on here. i decided it was better to stop paying the…
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CCA request reply
I put in a CCA request back in February to Moorcroft regarding my MBNA credit card. I’ve today received paperwork that starts Backbook customer copy template MBNA credit card term and conditions customer copy…. The address in it is current not the address when I took out the credit card and my surname has changed in that…
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Help with Debt, head stuck in the sand
HI all, I have had issues with money for as long as i can remember and i need to sort it before it ruins my life I have multiple different debts with different people and have been on and off paying small token amounts but with job losses etc this has been on and off i also have an issue with keeping track of it all,…
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CCA letter advice or do I just continue to pay?
Hi my first post. So I've got two old credit card debts that are currently with Cabot (shows as wescot credit services) and Moorcroft, it was a time I had a failing business and through sheer pig-headedness and burying my head in the sand, I thought I could rob Peter to pay Paul to sort the business, which obviously didn't…
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Which one do I do?
I would appreciate some help. Background In 2007 (or it might have been the year before) I got a credit card with M&S.To try to help with my debts that were starting to build, in 2008 I applied for a credit card with Halifax and they sent a card and then another card days later. I don't recall asking for a second card but…
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In lots of debt and need help getting out.
Hi all No judgement please I know what I did was stupid, I was desperate, but I want to look forward. Income 2600 Bills and due dates Rent 1150 (29th) Energy and Gas 50.00 (1st) Broadband 30.00 Council Tax 136.00 (1st) Food shop around 80.00-100.00 a month Loan repayments (The problem) I'm not going to be going into more…
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Help required with large Persistent Credit Card Debt. Have had a recent first Default.
Hello Debt-free wannabe's, I am new to the Forum so just wanted to say hello first before posting anything in detail. Just wondered if you would be ok with me listing details of 6 of my credit cards and one loan? Thanks, M
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Default and DMP Plan thoughts
For anyone reading this in the future, please read the thread and see how my method changed, it might help you or someone else How do, been lingering on the forum for a while and just thought I'd ask if my plan makes sense (based on a mix of forums and elsewhere). After being in continuous debt over nearly two decades, I'm…
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Debt letters persisting for previous tenant
Good morning. I just wondered if you lovely people would be able to advise on an issue my elderly relative is having or confirm we are dealing with this in the right way. I wasn't sure if I should post in Parking or here but as this is my old stomping ground I thought I'd start here! My relative moved some months ago into…
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Responding to Kearns Letter - Link Financial
Happy New Year to you all. If anyone can advise, that would be very much appreciated. I received a Kearns letter while I was away for the fesitve period and just returned and have 7 days to return before their 30 day stipulated period expires (assuming this is not 30 working days which would give me another 2 weeks). I…
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Complaint partially upheld. Not sure to accept or not?
Hi everyone In a bit of a pickle and need some advice. The background: Had a Zopa credit card. Due to becoming a full time carer for a family member, my income dramatically reduced and I was unable to meet my minimum repayments. Not wanting this to escalate, I contacted Zopa and agreed repayment plans. They issued a notice…
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Multiple CCJs at old address - never received claim forms - what should I do?
Hi all, I've recently discovered that I have three CCJs on my credit file and I'm feeling completely overwhelmed. The CCJs are dated: July 2025 January 2026 June 2026 All of them are linked to my previous address: The problem is that I moved out of that address in May 2025, before any of these judgments were entered. I had…
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On process with step change
Hi all I'm in process with step change for an iva, but I got a few questions if anyone knows how to answer as I'm worried of scam, On first day spoke to a guy who went through everything and I sent all statements what he requested through WhatsApp, After he suggested iva he passed me to another guy who went through the…
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Questions on self-managed DMP
I've been reading posts on here for months and they have been very helpful. I just wanted to check I was doing the right thing right now. I realised in September that I couldn't keep up with my payments any longer, a combination of credit cards and a loan with Lendable and Updraft. I stopped paying Lendable in October and…
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Requesting a backdated default?
I'm after some advice to help repair my credit history now that my DMP is coming to an end. I moved onto a DMP back in mid-2020 due to a combination of increasing debt and Covid related financial issues. Initially the DMP was to last for 5 years but due to the soaring cost of living I had no choice but to lower my monthly…
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CCA advice please.
This discussion was created from comments split from: 13 yo credit card debt / CCAs and partial settlement.
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30k+ credit card debt
I currently have over 30k across 3 credit cards - currently costing over 1k a month. This is pushing me into the debt spiral where this high payment leaves me with so little left each month that the only way I can get through the month is to spend on the cards… What is the best way to reduce this to a manageable level? I…
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Most recent: 2026 - consolidation and calm by dawnybabes
2 August at 11:15PM
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