Debt-free wannabe

I've fought for years to get debt and default free with only 1 default (AMEX) left on Equifax and Experian. It's due off Oct 26. Im paying £25 pcm to them and not missed a payment even though its hard. I rang them today to ask if that amount could be reduced as Im almost negative £300 pcm on their own calculator. They sayd…

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I had missed council tax payments on a rental property which was vacant, as the managing agent had not forwarded mail to us. The situation carried on for come months, as the property was empty due to a problem tenant. A liability order was issued and Rundles were appointed. I have just cleared the arrears on the council’s…

this is stressing me our massively and hope you amazing lot will have some advice. So Im on a DMP, been so for 6 months - all going well. My car is on ford options, its not included in my DMP - the PCP Options expires in April so I am at a loss what to do? I can give it back there are a few dents and knocks so i am sure…

Hi, I've noticed aciukltd have set up a dd on the 24th December 25 on my account. I did not authorise this with my bank. Furthermore, i've never heard of aciuk ever before this. No letters, no emails. No correspondence at all. I have no idea how or why they have done this. What do I do? (I have no reason to be in debt,…

hi I am in a DMP and my debts are now being defaulted and sent to debt collection agencies I have read they can pursue the debt to the point I will have to sell my house ? Has anyone had this happen ? 

Happy New Year all, Light bulb moment in 2022 woth the below huge debt. Went to stepchange who were great 2022 to 2025. May 2025 asked for ccas and got them all back. Want self managed and paid less thinking I'd be snowballing up with full and finals. The next one was at about £150. My very one was at about £550 got a…

Hi, It's been a long time since I dealt with DCA's, however, due to my disability, sickness and an elderly dog requiring long term treatment, I have, over the last couple of years fallen behind with my 2 credit cards, my JD Williams account, PayPal credit, etc. PP are ok, I managed to get a bit of leeway and pay them a bit…

Hello all Following the extremely helpful advice on this board, my personal credit card debt was no longer manageable (repayments of over £1k a month which I couldn't afford) and I'd run out of balance transfer offers, and all my cards were at standard interest rates so I stopped all my direct debit payments for my credit…

Hello :smile: I'm new here but I've used MSE and read posts on the forums in the past. Over the last 10 years or so I've constantly been in debt and nearly out of it and then back into debt. It's been a range of things but usually just not making enough money to cover everything I've needed. I started a new job in March…

Good evening. I have been a very long time lurker on this site and I now find myself needing advice. I have around £30K of credit card and loan debt; 11500 with Natwest £1700 to Capital One £2500 to NewDay (Fluid) £2500 to Vanquis Loans: £4888 to lendable £6590 to Zopa This month is the last month I can make all minimum…

Hi, looking for some advice please. I had a car on finance before then being made bankrupt. I have still got the same car and it has now been a few years since i was discharged from bankruptcy, now i haven’t made any finance payments as the payment direct debit was cancelled years ago, and the finance company haven’t been…

 I have just been hit with a repayment of outstanding council tax (£3.5K) from around 20 years ago from my employer! Only worked for them the last 7 years and this is it just coming out now despite pre employment checks being carried out when I was starting and nothing flagged then. I can set up a payment plan via my…

No one offered any help so I have deleted my post. 

I owe my Sister - £7,262.62. PayPal Credit - £3,109.97. M&S Credit Card - £2,800.62. Klarna - £441.26. I also have a Mental Health Condition. I think my Debts will only get cleared if I keep paying and only spend when I have balance on my Debit Card, will take determination. I receive Universal Credit with Disability…

Hi I have set a goal to clear my OD in 2026 which i thought might be a bit much but going to start trying to side hustle, learn more about personal finance (Psychology of Money book ordered) and just be a bit more money savy. I then thought to reviewed my OD interest over 2025 and it came to £585.01 😳😳😳 - that's 1/5 of my…

Hello, would be grateful for any advice. Self managing a DMP, all been pretty smooth. Have set up payments towards most debts. I had a 13000 loan with RBS, and there are two different companies, AIC and Zinc contacting me about the same debt. I don’t really know which to deal with. Thanks

Hello, I woke up to an email this morning from a company called Jacobs saying I had council tax debt of approx £1500 and to contact them to make arrangements asap basically. Now I have two previous council tax debts which I am slowly paying off, agreed payment plan with the council. However when I checked my payments I…

Hello please do judge me, I have been very ill the last 3 months and am struggling. I have severe heart and lung problems. Anyway I have fallen behind with my bill. Handset and airtime. I’m worried now that they will cut the handset off I need the handset working due to ill health. I’m not fussed abut the SIM card just the…

Good morning all. Newbie over here, mulling over life as we approach the new year. I'm in a lot of debt. I genuinely don't know where to start, or what to focus on, and with so much financial information and guidance out there, I thought I'd go back to basics, and get everything written down on paper (or on a website forum…