Debt-free wannabe

Hi, Been ringing round creditors in my DMP regarding part settlement. One has agreed to 20% just off phone call. Generally average is 50% One only offering 80% One will only consider anything after income report. With the 50% + ones, how might try to reduce more? Some said this is our final offer - shall I send them a…

Hi 👋 all, I recently got myself cured from a very severe gambling addiction.I praise GamCare for the work they do and help people get out of this vicious addiction. Now I found this lovely community and looking for some advice in hoping I can find a way out with all the debt I accumulated . The 108k debt which is between…

Hi all, have been reading a lot of great advice on here last couple months. I've just started facing my debt repayment journey and after reading advice on here have stopped paying and have been ignoring my 3 creditors (2 unsecured loans (Abound & Lloyds Bank & 1 Zopa credit card) with debt totalling around £10k. One of my…

Hi all, Long time since I posted on here but regularly check the forums to see all the positive advice being given. My DMP started in April 2018 and has been trundling along since then. All my defaults have now been removed from my credit ratings. A large chunk of my debt has been paid off but still a fair way to go with…

Hi, ive just found out that ACI send an agent to my door, I was out but they chapped my neighbours door to see if i lived there and asked what my surname was, she didn't say anything but can they do that?

Hi everyone, I have been reading a few thread on here for a while for some support and advice and feel like I need to post my own issues to get some more personalised advice. Long story short I have around £43,500 of unsecured debt. A mixture of unsecured loans and credit cards that I physically cannot pay. Zopa Loan -…

Hi. This is my first post on here. I entered into a DMP around 3 years ago for multiple credit cards. I have since sold my house and have money to pay a good chunk off so contacted the debtors myself seeking 'partial' settlements. One debt was with Morrcroft who have accepted £2K for a debt of £2,900 which I have today…

Hi, I have been waiting for a Barclaycard debt to default, and was then going to start paying. I was considering a CCA request for this debt as it was from a 2012 credit card. PRA have bought the debt and have offered a 65% discount (it’s £2500 originally) if I pay it over 6 months. I could just about afford this, it says…

Hi all lowell sent me a lettee to say they would give me 70% discount. So would need to just pay £1213 over 6 months anyone done this? Would they do it over 12 month if i called them? Do I wait bit longer. Ignore it?

Hi forum, I have around £25k credit card debt, with excellent credit and payment history (no misses or defaults). However, it's unmanageable. I can only pay the minimum payments and am still using the credit cards for expenses. It's a vicious cycle. I am considering cancelling my direct debits and waiting for the defaults,…

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Hi, New to the forum and looking for some advice. Apologies if this is in the wrong area. I am in the situation where I can no longer afford the monthly payments on the hire purchase agreements for the vehicles and they have already fell behind in arrears. We need two vehicles (both currently on finance) so one can be used…

Hi all, It has been a while since I have posted, but still chipping away and reading often. I am considering filing a couple of affordability complaints as I have read other success stories recently. I do remember thinking at the time of my madness 'I didn't expect them to give me that' or 'can't believe they have…

23 years ago my abusive, late ex husband forced me to take out finance on a car. I paid it for as long as I could, I left, it was eventually repossessed and there was an outstanding debt. As a single mother of 4 I couldn’t pay it. I think it went to CCJ but I can’t be sure. It fell off my credit report years ago. Cabot…

When I was a lot younger I saved up for a few years and went travelling abroad with my boyfriend, planning on finding jobs along the way. Work was a lot harder to come by in one country and we could only find commission-only sales jobs, which neither of us were any good at. Our savings dwindled and I remember trying to eke…

I have received two letters from ACI in respect of an alleged Monument debt that must be, at least, fifteen years old. The second letter says that Verify will be visiting me and that a letter letting me know when will be sent to me shortly. Both letters were sent to an address I left in July and have been forwarded to me…

Hi - My sister has sent many CCA letters and some have come back saying no info can be provided so she has stopped paying (took a lot of persuasion to convince her it was ok to do this!). She has a debt with Lowell and shortly after she sent the letter (about 2 months ago) they wrote saying they have asked Creation…

I’ve been looking on here and Beat the Bailiffs and just want some advice on what to do in regards to my debts. * Novuna Consumer Finance (Hitachi) – £8,765.84 Old £8,000 personal loan. I made a complaint because they refused to default the account after missed payments; it was upheld and the default has now been…

Hi all, Been a lurker here for sometime. Great forum with the most useful advice! My story is similar to many others... Over several years I have got in to debt, consolidated. Got in more debt consolidated. Rinse & repeat... Its now come to the point I can't cover repayments. I am hoping to follow the advice i've read on…

Hi, I have been paying my debt in debt management plan for over a decade. I have adhd and autism and now lost job and have long term sick mobility issues. My mental health is at an all time low and I just can’t do it anymore. I am ashamed to say I have considered ending things but have been referred to a social advocate at…