Debt-free wannabe

Hi, I’ve been paying a DMP for just over 2 years and I now have almost half of the remaining figure available to settle the remaining balances. All debts have defaulted. I’ve sent f&f offers (40%) to all creditors and I’m not getting very far with them, they’re slow to respond and some have rejected. The only one to accept…

Hi All I have a court claim that was dated 6 nov 2025 - I have only just received this in the last week as I had moved address and my old landlord handed them to me. It is a court claim by moriarty law who I was paying £5 a month manually 6 months ago, but due to all of the stress of moving home etc I have forgotten to…

Hi all! I’m looking for some advice on making Full & Final settlement offers to my creditors. I currently have around 7 defaults on my credit file, all roughly 5 years old. I’ve been paying them through a StepChange DMP, and for the last few years I’ve been paying around £60 per month (I used to pay £120 before my…

Hi everyone, over the last couple of weeks I've been focussing a lot on getting our debt in order as our outgoings on paying of credit cards is unsustainable now that I've realised we're going about £230 over every month and using credit to pay for food etc. We have around £48000 across 5 credit cards, a £500 overdraft and…

Hi I am looking for advice. I am currently in an IVA with creditfix. I have paid £256 x 39 months so have 21 months left to pay. My IVA started with hanover insolvency and was taken over by credit fix. I have had just 1 annual review in my first year where I had to pay £50 addition due to overtime and the continued with…

I have been ignoring Cabot and Orbit over a matter from 25 years ago when my abusive late ex husband made me sign a loan agreement for a car. He died and did not pay it prior to that. It obviously disappeared from my credit file years ago and I have worked hard to rebuild my credit. I have never responded to them. Orbit…

Hello everyone. With my work, personal health and then a family member seriously ill my finances took a hit. I went from living on credit cards to finally being unable to pay them. I wrote to explain my situation and complain about the constant rises in credit limits which shouldn't have been applied. After basically being…

So I have had a text message from AJJB Law stating my ONMO credit card debt has been transferred to them. I will be honest and naively thought ONMO would have sold this on rather than going straight to a law firm, so panicking a little about this. I have just clicked on the link sent in text which directs me to the AJJB…

You set up a payment plan with a debit company (A). You then get a letter saying your debit has been borough by another debit company (B). What happens to the payment plan with company (A), does it automatically stop.

Long story short I’ve spoken with Citizens Advise and I currently qualify for a debt relief order but I’m worried about the consequences it will have on me moving forward. I’m currently out of work and will struggle to get a job for at least a year because I’ve just been given a community order which is a criminal record…

Hi all, thank you in advance I’d really like some advice as a bit unsure what to do.Long-term Payplan DMP (many years). Currently owe £7,400 total across:• Cabot Financial: • Moorcroft / PRA Group UK:• Lowell: lowest amount Paying £120/mth interest-frozen At this rate, clears in ~6 yearsHave lump sum for ~50% settlement…

Hi I am new to the forum although have been lurking for a while. I am in a lot of debt and my work hours have recently reduced due to developing a heart condition which is not going to get better but that I can manage with the reduced workload and stress. Up until now although I have a lot of debt I have been managing to…

Hi, I am doing a self managed DMP. Most loans will soon default. Today I received a letter from Abound, Fintern Ltd which says "Our chosen field agency will attempt to engage with you via a face to face visit to reconnect you with us" From reading many of the posts on here I didn't think debt agencies did face to face…

Hi, I am being chased by a debt collecting agency for a debt that was taken out at my previous address over 16 years ago. They are sending me letters asking me to confirm my previous house number and postcode as they are now chasing up the debt. I have not supplied them with the information and I have informed them that I…

Hi Everyone I sent out CCA requests this week for my lenders. ACR Group came back to me with the following? They haven't attached the agreements or anything signed by me. Is this enforcable? 

Hi All, I've had a good read on the forums and feel more clued up on what I need to be doing, so thanks for the knowledge shared. I do have a few questions though if some kind soul could help with. 1) I see most saying run your own DMP rather than someone else and understand why regarding defaults/building funds and…

Hi, One of my affordability complaints to Abound has been rejected. I've had a mixed bag of replies so far in general, some accepted and some rejected that I've escalated to the financial ombudsman as I feel I have a good case, this one I'm unsure of though given there response and the fact they've offered something in way…

Hi, I sent a cca request to wescott regarding a loan from 2015, the bank then sent a letter (via wescott) to say there is no cca agreement, I then had another letter saying as the loan is so old they can't provide a cca agreement under GDPR and that the loan still stands and I have to pay and as its GDPR the loan remains…

Hello all, Pretty much as the title says, I've got a loan and credit card debt I'm repaying. I'm wanting to consolidate these into 1 payment. I was looking at 0% balance transfers, but I understand that you can use them on a loan. I'm wondering what my options are?

So Ive stopped paying my consumer debt with a plan to enter self managed DMP. My credit report does not show any defaults yet but I have received a letter from Link Financial saying they are taking over my lloyds debt. So far I have done nothing and have just been waiting it out. What should I do now, do I contact these to…