Debt-free wannabe

I need to write to PayPal but finding it hard trying to find an address within the UK to do so. has anyone done the same and could provide the address? Thanks

Completed budget planner tool with Step change - advised IVA/DMP Income 4100 Spending 3423.83 Unsecured Debt £84,000 Available for non priority debts 676.17 Estimated Contractual debt payments 2505.17 I am waiting to have the conversation with Step change and potentially setup an IVA or DMP in the meantime what shall I do…

Hi I have been on my DMP for about 3yr now, I requested the CCA from all of my sold debts back in December 2025. Moorcroft was unable to provide a CCA for my Paypal credit account so I stopped paying them around March 2026. Fast forward to now, they have passed the debt back to Paypal on 1st October 2026. I have received a…

Hi, I'm in my late 20s and have been in debt most of my adult life. Right now it's totalling £13,450 over 4 credit cards (3 are 0 interest right now) and 2 loans. I'm afraid it's going to increase over the next few months with Christmas and my cars MOT (I need the car for work). I have been working as I physically can to…

hi everyone, I have spent the last few days reading through everything on here and it has helped me feel a little more settled but I still am terrified of the future path. I have 64k of unsecured debt split between 7 creditors as below MBNA 13.5k Zopa 18.5k Nationwide 19.3k PayPal credit 6.2k Youlend 3k NatWest overdraft…

Sorry. I read the email a few more times and it appears NewDay have asked Arc to collect payment. They haven’t sold the debt on yet. So it’s safe to ignore Arc then and wait for the default? Hi all, NewDay have closed by account after 3 missed payments and passed the debt onto ARC Europe. I only know this because ARC…

Looking for advice/recommendations on managing my debts. In December a sizeable part of my mortgage will have been paid off meaning I will be “better off” by around £500 a month. I have significant credit card and personal loan balances plus a large overdraft. What should I prioritise in repaying off first? The credit…

Right, I don’t quite know where to begin apart from I am in desperate need of help. I’m 40’s and all of my I adult life I’ve been in debt there is now got significantly worse and I never found myself in a right mess. Currently owe around 45k which is a combination of personal debt and a business debt that which I was…

Hi all, I am not looking for concrete advice here obviously, but maybe just some insights from anyone who has experienced. I have 7 defaults on my file which are all being paid monthly (small amounts and self managed). In April next year, my latest defaults hit 3 years, and I was hoping to potentially look at buying a…

Hello, I am looking for any help or advice as to what I can do, or what may be the best thing to do, and also asking for no judgement please. I currently have 50k of debt across 5 credit cards and I am struggling to live. A few years ago I lost my husband and everything with our house was in my late husbands name, bills…

Hello, I posted back in May about possibly starting a DMP to deal with my debt once and for all. I have a total of £25,520.69 debt across 10 creditors. Following advice on this forum, I decided to stop making payments and wait until the accounts defaulted before doing anything else. I now have a very large ring binder full…

Hi all. I’m currently looking at setting up a DMP due to the amount of debt I currently have. ( over £60k ) I would just like some advice and help if possible on a few things. Having read a few posts on this forum I’ve set up a new separate bank account and my wages will now be paid into this bank. I’m currently in the…

hello I am trying to complete an SOA to inform next steps and just have some queries if anybody can help. My partner is joint owner of the property however we have been living separately for over two years due to a severe mental health crisis and during that time (and ongoing) I am paying the mortgage and all bills in our…

Hey, so I defaulted on £28000 worth of debt just over 2 years ago. I’ve set up plans with companies myself paying £90 in total a month for 5 debts. I’ve stupidly got myself into more debt since. I have a Vanquis credit card with £1190 & a Very account with £1140. I also have gotten 2 small loans which I pay £250 in total a…

Hi everyone, I currently have approx £6000 of credit card debt in which I don’t pay interest on it as I card tart when the interest free period is almost up. I always pay more than just the minimum payment, so the debt is coming down - just slowly. I have some savings, which would be enough to clear the debt and still have…

Hi all, have been in a self managed Dmp for a while with a few creditors but only recently added 2 x natwest loans to it. They have defaulted one loan so I have been waiting for other to default before starting payments however the collector they have gone with has put both loans together in their communication to me so…

Hey all, I've just spent hours and hours and hours reading a lot of different threads on here. It's put my mind at ease slightly as it's been affecting me a lot mentally recently. I feel I know the basics but just wanted to see if there was any advice for my specific situation. Nothing unique about how I got here.…

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…