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Debt-free wannabe

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

Upcoming Attended Hearing @ County Court - I cannot attend - Help!
I have been notified of an attended hearing at my local County Court next week for a debt which I fully defended against some time ago. It has been stayed and the creditor has now applied to lift the stay and request summary judgement against me. I have a young, school-aged daughter who will be off school for half-term…
Affordability complaints
Hi all, you’ve kindly advised me of steps in terms of stopping payments to my creditors and managing my own DMP. I am currently waiting for defaults and building my emergency fund. in the meantime I decided to write to three creditors that I believed had lent to me irresponsibly. Two have come back within 10 days saying I…
has anyone reclaimed from phone companies for unaffordability
I keep seeing articles about reclaiming for charges and I'm just wondering if anyone has successfully done this with mobile phones? and also any other lines of credit
Stepchange for 12years
Hi , I’ve been slowly chipping away with my DMP for many (12)years . Paying small amount of £233 each month due to finances . Self employed and home owner so didnt want bankruptcy /iva route . Still have about £19,000 to clear so another few years till 2031, One company has offered me 60% off which I’m considering but it’s…
Barclaycard Irresponsible Lending (historic)
Hi, I wondered if anybody had any success with a historic irresponsible lending claim? My claim is with BC (account now defaulted and with PRA) My issue is that FOS have come back and asked me for bank statements from 2011-2015 when my credit limit was increased without me asking for it (for context , I ended up with a…
Advice on potentially defaulting credit cardpaymenst
Hi, need some advice, I have 3 maxed out credit cards, and 2 catalogue debts. Total around £21K. I can afford the minimum but it’s going to take years to pay off. I’m thinking of defaulting, but do I have to do that on all my open credit accounts or can I just default on the credit cards. My thinking is if I can build up…
Re-finance personal loan
Hi, I'm new on the forum and looking for advice on how to get a better interest rate on my current personal loan with Barclays. I've been banking with Barclays for 8 years as my main bank for both income and savings. In May last year, I took a personal loan at an interest rate of 19% which I've been told it's because of…
Helping Dad with long term debt / CCA without default (Barclaycard)
Hello Trying to help my Dad wrap up some remaining debt and want to check that my plan of action is sensible. I'll get this out of the way - yes I'm aware that I shouldn't be responsible for his situation, but luckily it influenced me to be switched on with my own finances. --- History 2019: Made aware of his debts in when…
Can this be statue barred
One of the debts Lowell keep chasing me for, I made some payments in 2023. I found by looking through my emails the last statement sent by Barclays was 2014. Would this have been statue barred?
full and final settlement offer rejected
Good afternoon all Im looking for advice. I have had a bill come through for my mums care of £40,845 they claim deprivation of capital which just isnt true!! i have explained that i dont have the funds to pay this and sent 2 full and final settlement amounts as they said they would consider this to clear the debt quick.…
Mortimer clarke
I need help, this company is chasing a loan that was taken out before 2013, we added it to an iva in 2013, they are saying the loan is secured and was never part of iva but our iva company made payments to mortimer clarke for the whole 6 years we were in it. We finished iva in 2019 and mortimer clarke have waited until 6th…
Probably a really easy question for most of you but I’m not sure….
Hi everyone. I’m trying to find the answer to something and I was hoping one of you might be able to clarify for me. I’ve found similar questions in the forum but want to make sure I understand properly as I had a bit of a meltdown this week and am now considering an IVA… I have defaults and a CCJ first recorded nearly 3…
What small DFW things will you do this w/c 03/02
When we start on the DFW trail we do loads of "big stuff" that makes quite a difference to our situation. These include having our lightbulb moment, cutting up the credit cards, and canceling Sky and the gym. But once we have done the bigger stuff, we often feel that we are not making the same amount of progress, when in…
Son's debts probably coming to my door
My son used my address as a c/o a few years ago during a messy relationship break up after he lost his home. His ex partner was alcoholically chaotic and made several false allegations against him. He ended up living in his van and working around the south of the UK, but needed to re-tax the vehicle - hence c/o my address.…
PRA group - can it be statute Barred?
Hi there, I have PRA calling me for a long time now they bought debt off Natwest years ago must be over 10 years now. I believe payments stopped to them when my DMP was paid in 2019 but this debt was unpaid as I found out it was unenforceable so paid other debt. Am I now able to do a letter to confirm if Statute Barred ? I…
Secret debt comments please ..
Looking to just offload as I have no one i can talk to this about. I've been silly ( like most ) my debt might not seem alot but it's eating me up inside and unsure if that is due to the secrets of it. Husband and I always have had seperate accounts etc anf chipped in our parts each. Mortgage is low and we remortgaged 2…
New DMP’ers and bank account switching service
Just for anyone in the process of setting up a new DMP who might need to close bank account with creditor and open a new basic account, follow the advice from the oracles on here and do it manually - DO NOT USE SWITCHING SERVICE! I wish I’d read this advice before I pressed submit! I’ve had an absolute nightmare for the…
no payments taken
Hi . I posted about this last month but need some further advice - I have a credit account with a Peer to peer lender called Elfin Market with an outstanding balance of about £1500. 4 months ago they just stopped taking payments. My account was fully up to date at that point. I have had no correspondence or communication…
How do I know account has defaulted?
Hi everyone, new here today on my road to being debt free. My first burning question is - when do I know an account has defaulted, and it isn’t just a debt collector working on behalf of the company? Who will contact me when the account has defaulted - the company, or a debt collector? How do I know that debt collection…
Debt management plan
Hi all. I’m after some advice. Please be gentle as I know I’ve got myself into this mess. I’m at a point where I need to tackle my debt as I’m running out of options. I’ve completed a budget with step change but the proposed monthly payment is only £200 less than I’m paying at the moment. I’m trying to get to a point where…

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MSE News

Ofgem proposes new 'no standing charge' Price Cap – but Martin Lewis warns vulnerable customers need to be opted in or it won't work
Ofgem has today launched detailed proposals for a major shake up to its Energy Price Cap that dictates the price over 80% of homes in England, Scotland and Wales pay for their energy bills.
Lloyds, Halifax and Bank of Scotland to cut overdraft rates for millions but hike them for others – here's what's happening and full help
If you're a Lloyds, Halifax or Bank of Scotland current account holder, the interest rate you're charged for using your overdraft could change soon as part of a fees shake-up. The Lloyds Banking Group, which owns all three brands, says millions of its customers will pay less after the changes – but a "few" will pay more.
Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
Around 2.7 million more low-income households, including 900,000 families with children, will become eligible for the £150 Warm Home Discount this winter, as the Government has confirmed it will remove the existing 'hard to heat' eligibility criteria. The extension has only been confirmed for winter 2025/26, with further changes possible for future years.
Martin Lewis: At last a chance to fix Council Tax flaws impacting millions – debt collection, difficulty challenging your band, discounts and more
Major flaws in the Council Tax system in England could finally be fixed in future, as the Government has launched a wide-ranging consultation to review hideous debt collection practices, the difficulty of challenging your band, the overly complex and horribly-named Severe Mental Impairment discount and more. MoneySavingExpert.com founder Martin Lewis, who has long campaigned on these issues, shares his response and analysis.
Energy complaints to be dealt with more quickly and Energy Ombudsman to get new powers under Government plans
If you have a complaint about your energy firm, it may be resolved more quickly in future, as the Government has announced a raft of proposals to strengthen consumer protections in the energy market. The planned changes include giving the Energy Ombudsman new powers to force firms to comply with its decisions – but it's still very early days. Here's what we know so far.
Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
Around 2.7 million more households, including 900,000 families with children, will become eligible for the £150 Warm Home Discount this winter, as the Government has confirmed it will remove the existing 'hard to heat' eligibility criteria. The extension has only been confirmed for winter 2025/26, with further changes possible for future years.
Base rate held at 4.25% – here's what it means and when it might be cut next
The Bank of England has held the base rate at 4.25%. Below we explain why, when it might be cut, plus what it means for your mortgage and savings.
Applied for South West Trains 'boundary fares' compensation? Act now to claim it
If you applied for compensation from South West Trains before the deadline in January 2025, you now need to provide your bank details to the claim administrator so it can be paid to you. Here's what you need to know.
Winter Fuel Payments to be reinstated for millions – Martin Lewis explains how it'll work, what it means and if it's an improvement
All State Pensioners in England and Wales will receive a Winter Fuel Payment this winter, though those who earn over £35,000 will see it clawed back through the tax system. It means nine million pensioners will get the £200 or £300 top-up. Here MoneySavingExpert.com founder Martin Lewis shares his instant response and analysis, and we include answers to your key questions.

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