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Link Financial - Reducing Payments
I have a change in circumstances coming up so am in the process of trying to reduce all my payments on the debts. 5 are with Link and 1 with Intrum. I called up Link to ask them to reduce the payments to and they basically said they wouldn't do it unless I filled in an expenditure form. I said I saw no need for that as I…
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Why is it so hard!
I just want to vent/rant to people who will honestly get it! Im working hard at paying back my debts, (I've paid back around £5000 in the past 12 months, £20000 still to go) sticking to a budget, doing everything thats on my plan but at this time of year with a school trip every bloody week, the summer social invites and…
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Messed up to the sound of 23k worth of debt
Where to begin. I never thought I'd be in this position so I'm sorry to add another thread, but I need to own up and unf**k my finances. There's no point going through the details of how it all started and every knee-jerk reaction since, because the numbers don't lie and it's now killing me to the point it's affecting my…
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Arrangement to pay
Hello everyone. I have been dealing with debt and with the help of reading through the forum I have managed to set up a self managed dmp with all but one of my creditors. I got all my debts to default first before setting up payment plans but today i noticed one of my debts on my credit file has changed to A - arrangement…
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How to move forward
I have approx 40k plus of debt, I’m struggling with my mental health and I feel like I can’t cope anymore. Am I best to go via a DMP with step change? I’m so overwhelmed and I don’t know what to do.
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NOSIA while awaiting CCA request
Looking for some advice please, My husband and I requested 5 x ccas from link the end of March after paying for over 3 years through a dmp and requested account on hold until received. Dates due on portal changed to June so seemed to be on hold. Recieved ccas in May that didn't seem compliant so sent 5 x disputes. 1 of…
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For info: You can now access your Experian Credit Report - for free on our app
Received this email download app and can access report. Take a look at your Experian Credit Report,
which is now available as part of your free Experian account. Your free
Experian Credit Report and Score are updated every 30 days. You might get email alerts about your credit report too, letting you know if it
changes.…
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What to do (looking here also to see if anyone can help)
Right this is so hard for me to have to write but here goes… and any help or guidance would be greatly appreciated!! So I have had ( and relapsed) a gambling problem. I’m a single parent with 4 children. I work part time and always have. This battle has been going on for years but iv always stayed above water with help…
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Vanquis Loan sold to Antelope Loans
I am currently in a self managed DMP. I had a loan with Vanquis, which I stopped payments in October 24, this loan then defaulted in January 2025. I have not been chased for this debt, so had no arranged payments. Today I have received an e-mail stating that my loan has been sold to Antelope Loans (Alive No.1). This does…
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Debt Help Please
Good Morning All. New user here. So I have 20k of loans and credit card debt. I basically enjoyed my youth. Went on nice holidays. Brought Nice luxuries etc. Got the 0 percent offers on cards etc. Also lets say due to ADHD got addicted to taking more and spending more then I have. I have a done a DMP before tbh and all…
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Precarious Position After CCJ set-aside
Hi all, I had a CCJ entered against me last year for a £430 Capital One debt (now owned by Lowell, with Overdales acting). 2 days ago I had it set aside under CPR 13.3 due to exceptional circumstances (I was in an abusive relationship and didn’t receive the claim, and the debt was accrued under coercive control and…
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Savings or debt?
Hi all, First time posting and looking for advice with debt vs savings with a view to trying to purchase a new car. We have around £10,500 in debt 1. £3400 on c card with 8 months interest free left (£100 repayment a month). 2. Interest free sofas £1600 (no repayment currently but putting money aside each month so we have…
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Lendable - we’ll visit your home next week. What next?
Hi, started self DMP and waiting for loans and cards to default but only been 2/3 months yet so none have yet. I have 2 lendable loans and missed 2 payments on both. Had no phone calls just a weekly email and weekly text. I have received this letter below. I’m presuming with them saying wont take payments they aren’t…
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CCA Statement of account?
Hi all please can you help? I sent cca requests at the end of March. Link sent a hashed together agreement with the wrong address and no statement of account. This was for a credit card. I thought that to be compliant they needed to send a statement of account to include what was taken out, what is owed and what…
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Searching for a Debt Free Happy ever after
Morning! I've been reading some diaries and lurking for a while and am taking the plunge to make changes for my family and to get debt free. I don't want to make too many excuses but at 40 years old need to start to take charge. I'd really love help and advice too with how to tackle things. I have a gorgeous husband and…
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DMP, defaults and mortgage renewals.
Hi First time poster, lurking solidly for last few monts. Have £34,000 of credit card debt over 5 cards. Have been mostly getting on "ok" for last 20 years, mostly bouncing on 0% offers, never missed a payment or been late. All 0% offers seem to have stopped though Tesco and Virgin have offered for 10 months both are…
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Is defauting on loans the way to go?
Hi all, I have several debts that, along with my priority bills, leave nothing to be able to do either snowball or avalanche approacahes, as there is literally no available cash, and if anything, I'm now dipping into my overdraft regularly. I have decided to default on two loans - one for £9k, and one for £5k, of which the…
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How long after stopping paying do I have to save an emergency fund
Hi guys quite daunting for me at the moment as I have 25k debt and I have stopped payments just this month. My question is how many months do I have before I should set up a dmp? I want to save an emergency fund, I was thinking like 3 months that will let me save about a grand. I’m a bit worried about it all now like the…
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Time taken from INTRUM to Perch ACI to Perch Verify to Perch TM Legal on Statute Barred Debt?
As I have mentioned before Intrum bought up a load of Statute Barred Debt, it would be totally absurd for them to even attempt to pretend that they did not know that it is Statute Barred and I am preparing a nice little file for for the FCA (widespread practice) and FOS to hopefully finally get the FCA to withdraw the…
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DMP - is that it?
Been reading a long time some wonderful advice on here which directed me to Step Change and a DMP. It definatley feels the rights step. Just seems a bit strightfroward....do I just cancel by DDs and send my payment to StepChange and thats it...????
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Most recent: Payment a Day - Chapter 2026 by Bounty123
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