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DMP Help
Hello all, Please can you support me in understanding my options. Newly separated from partner, he will at this point continue to pay half the mortgage. I have added his share 700 to my wage 2600 to make my total income 3370. I have completed a SOA as below. I won't be able to afford all the payments and need to know what…
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Debt advice for moving abroad.
I am planning on moving abroad in the next few months and have £14k approx in debt in the UK (credit cards and unsecured loans). I don’t plan on ever returning as I don’t have any ties to the country apart from friends and don’t have any significant assets in the country. I have a private pension of £10k but apart from…
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Looking for advice "for a friend"
Evening all... So a work colleague has roughly 50k of unsecured debt.. Owns absolutely nothing, he works takes home around £2900 monthly.. I don't know his expenditure.. Married, two kids, wife on disability.. Doesn't want to tell the wife or kids.. I suggested going BR having previously been there myself in 2021, but his…
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Beginning to default
I have set up an account not linked to any debts. My salary for this month will go into my old account. Can I just transfer it to my new account and cancel my debt direct debits, or should I wait until next month? Thanks for any advice
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Coming off Stepchange to self manage DMP
I am on one at the moment! Been working at this all yesterday, and I'm absolutely determined to get sorted. I've read all the direct advice I've been given so far and read lots of other threads as well. I've decided to come off Stepchange and stop paying unsecured debt for both me and my husband, we have a DMP each with…
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Statutory Demand Advice
Hello, bit of basic background - Husband has become very poorly and as such has liquidated his company in December and liquidators are going through the process . Two of the company debts have had personal guarantees - one was for a van finance and one for a loan (he gave a personal guarantee based on the equity in the…
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Help - AJJB Law Debt Collection Chasing Me for a fully Paid bill from Together Energy
Hi I moved recently and was with Together Energy at my old address. Together Energy were trying to bill me for an extra 3 months after I moved out so the bill was too high,after some time they revised the bill to the correct date.I paid the bill via my bank account. When I checked on my account a week later the bill was…
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Leaving certain debts out of DMP
Hi, I think I am going to bite the bullet and go with a DMP. I was wondering is it best to include things like Klarna and Very? I have accounts with them with very small debts (usually pay in take 3) or 12 month interest free. Can I just not include them? Also Stepchange online is possibly suggesting a DRO for my husband,…
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Debt from uksearch Ltd that I feel I don't owe
Hi I've been given a water bill f9r a unit that I rent which I feel I don't owe. This is due to the fact that the company I rent off have said the utility bill I pay each month is for the electricity alone as they cover the water. I was sent a letter from business stream 2/10/24 saying welcome on board. I never signed up…
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DMP and car insurance
Hi I’m considering a DMP and I’m just wondering about car insurance. I normally pay monthly and you need credit to do that. If I have a DMP I’m guessing I won’t be able to pay car insurance monthly due to poor credit? I don’t think I’d be able to pay a full year up front. Is this right, anyone had experience of being in a…
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Cabot financial and ORBIT just sent a man to my door!! I am a vulnerable customer. What do I do?
Hello, I am paying back at £5 a month a very old debt (so old it comes off my credit file this year) Cabot have been harassing me for months by calls, emails, texts and warning letters to fill out a budget form. I ignored it and told them to stop contacting me as I am autistic, paying it back and also vulnerable due to…
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Council sending Baliffs after me for council tax I don't owe, advice needed
Hi, I wonder if any one an give me some advice council have sent bailiffs after me for money I don't owe. I'll explain in more detail in 2023 I fell behind in council tax in October of 2023 I came to a agreement with council and set up a payment plan which I have in writing. I worked hard stuck to plan, never missed a…
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Pulse/Marble due default can’t sign in - normal action?
I have missed 3/4 payments now on my Marble and Pulse card. I received my letter from Pulse beginning of December saying agreement terminated and full balance due. Then received the same from Marbles end of Dec. So both due to default any time but haven’t yet. I’ve had no phone calls from them since Christmas Eve. They…
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DRO & LLoyds
I am in a debt relief order through money wellness. For months now I have been getting letters from Lloyds but I thought that they were just automated since I am in my DRO. I received a letter this morning saying they have sold my debt on to Lowell as they had no idea is was in my DRO. My dro started at the beginning of…
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Digital DRA
Hello so on this site I came across a cheap sim deal with ID mobile which I signed up for. The sim card came today and as soon as it was loaded in I got a text message from Digital DRA claiming "The longer this remains unpaid, the longer it will potentially impact your credit score. Login today so we can help! URL HERE" On…
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Merged: Maximising Take Home Pay
This discussion has been merged.
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Wescot contacting partner
Hello, A credit card of mine has unfortunately been passed to Wescot collections. They have sent me texts and emails, which I have responded to. This week they also sent two texts to my partner’s phone. My partner isn’t on the account; the credit card is solely mine. I don’t know how they have got my partner’s number. They…
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What small DFW things will you do this w/c 10/02
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…
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What small DFW things will you do this w/c 17/02?
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…
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Merged: Hi I have some impulse control issues and struggle to read
This discussion has been merged.
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Most recent: Awesome August's No-Spend Days Challenge! by cathybird
31 August at 10:23PM
