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Best tactic to reduce debt and climb property ladder
Hi all, My partner and I have been on a continuous improvement of our debt situation for the past 5-6 years, but now we're in a bit of a quandary as we're looking to sell our home and move to a much higher valued property next year. We currently have debts of about 23k, about 15k mine over 2 loans and 7k is my partner's in…
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Demand from hessonite
Hi help required please I had a joint mortgage with nram in 2008, I divorced my husband in 2010. I did sign the mortgage agreement but my ex was violent and controlling, I was also not told by the finnancial advisor of all the debts that were in my ex's name and he falsified his income to get the mortgage, all paperwork…
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Council tax court summons was not even aware.
Long story short. I had a court summons for council tax early this month. I did not know about it because I no longer have anything to do with the property. The landlord had their solicitor email me a complaint and in that they scanned all letters received after I stopped dealing with the property. The letter was sent on…
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I'm struggling - please help
Hi everyone, First before I explain everything I've been trying to battle this debt for 2 years and just can't any more. Last couple of days this has been taking a big toll on me, to the pound I'm thinking of going the DRO route. Please don't judge me, I'm just looking for help now. I've been unemployed for last 2 years…
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Default End Date
Hi all, I got myself into a pretty poor financial position back in 2018/2019 where I buried my head in the sand and picked up a number of defaults and two CCJs. These are now coming to an end, and I just need some advice on what the next steps might look like as the debt still hasn't been fully repaid. The following…
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Lowell Constantly Harrassing
Approx. two years ago I started receiving texts and phone calls from Lowell regarding debt held in someone else's name for an unpaid bill for SSE whom I have never used. I just ignore them all. To get them to stop I have to register on their website with my name and that's something I don't want them to do! Does anyone…
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Response from prove it letter
Hi guys. I have been getting chased by ACI for a debt. They sent two people at different times on the same day to my mum’s house (my former address) while I was out the country on business. They produced a hand written note stating that I had to contact them. I self consolidated my debts a few years back and it’s possible…
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Thinking of DMP, some advice needed
Hi Everyone! I'm currently £33k in debt. Some credit cards, and 3 personal loans. Credit cards repeyments are £200 and 2 of the personal loans are manageble with monthly payments of £120 and £270. The problem is with my last loan which is £580 a month. After all of my bills and repayments I'm left with around £50-£100 a…
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Is this normal...
Hi there, I decided at the end of last year to stop paying all my loans/credit cards as the payments were crippling. Last payment to all was November 2025. Here's a summary: Provider Status Amount Admiral Defaulted £ 17,253.00 HSBC Defaulted with Wescot £ 4,512.67 Ratesetter Defaulted with Arc £ 12,029.00 Tesco Defaulted £…
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Next Catalogue Debt - Brecon Debt Recovery
Hi Last year, as part of my DMP my debt with Next defaulted. Since then, I have been receiving statements every now and then from Brecon Debt Recory. I searched them as I would like to offer a F&F payment but I can see they are part of Next. Does that mean my debt hasn't been sold? Is it likely they will entertain a…
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Trading Loss
Help, A friend has lost money trading and now owe a considerable sum of money. the company want the money back but they cannot afford to give the whole amount back - is it possible to come to an agreement of some sort? Help please
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Some advice please
Hi everyone, i have been hovering over the post button for some days how. I am in around 21k of personal debt. 3x credit cards & a Very account. 10k, 6k, 4.5k & £500 . I have considered a DMP with step change but then I have been reading threads on here for around a week which suggest the best form of action is to first…
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Good income but but can't get out of debt
Hi, apologies if this is a duplication but I don't know
where else to go, let me know if it is and I will delete. 5 years ago: I, wife, and new baby lived in accommodation provided
by family business. Business changed due to a death. Family dispute, had to
leave business. Had little savings due to being partner in business…
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TBI financial services
Evening all, Has anyone had any experiences with TBI financial services? I currently owe £4,160.68 on a defaulted plata loan and paying back £15.00 per month. I’ve recently come into some money and wanted to offer a full and final settlement but found them less than cooperative and said I’d need to pay the full £4,160.68.…
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DMP and out standing debt
Hi all thanks for previous help, I needed a bit more 118118 have now sold my debt. The original debt was £1800 but they are saying I owe £3567 which would include the interest over 5 years? Can they request that or do I need to contact the new owner and advise original debt was £1800. Regards Blueblonde3
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15 year old debt,Carbot warrant of control
Hi So hopefully I can get some advice. I had a overdraft maybe 15 years ago with Santander . Had some bad times so didn't pay it back. Then carbot bought the debt and now I've got a warrant of control, the dreaded 7 day letter. Now I admit I've ignored all the previous letters as I thought considering the age of the debt…
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DMP Starting Advice First Default Zopa
I'm in the first stages of self managing my own DMP. I owe to Zopa Nouvuna HSBC Bounce Back Loan Very Aqua credit card - Passed to wescott to support collections but not yet defaulted Original amount to Zopa 25000 but due spiralling debt I can no longer afford the £568 per month payments. I've had this letter from Zopa, I…
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6 months missed payments, no correspondence since June. Moocroft contacted- HSBC Debt
I started missing payments in January 2025, and between February and June I was getting loads of letters from creditors—mostly warning that my accounts would be defaulted unless I paid in full by certain dates. But since mid-June, things have gone strangely quiet. I’ve been checking my credit reports across different…
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Credit card default
Hello, advise please for my daughter, she is married they own their home, she changed banks accounts and the DD for her credit card defaulted without her realising, she has the money to pay so it is not that she dosent, she got a letter which first bought to her attention, she acted quickly contacted the card company to…
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Debtors lawyer offered to file complaint against bank they were representing?
I finally plucked the courage to call and reply the letter before action... I emailed and was sent an email with the file to fill and send. Today I called. They refused my offer of £50 per month, stating it would take to long to clear the 25k debt, my hope was that they would accept and I could overpay when possible, and…
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