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SOA and Snowball Calculators at lemonfool.co.uk and stoozing.com
Hello I have not posted here for ages. I wrote the SOA and Snowball calculators on the websites above. Someone alerted me to a user reporting problems with saving the SOA on Chrome. It is working for me. However, more generally, are the calculators still being widely used here and are there any other issues that need…
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Elderly neighbour credit card debt
Good morning. My housebound 80 yr old neighbour lives alone and is currently in hospital. When feeding her cat, I noticed a letter from a debt company asking her to get in touch about a credit card debt of over £9K. A further letter from the same company has since arrived, which obviously remains unopened. I believe that…
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Child’s account & overdraft
Looking for some advice please, I’ve searched the internet for weeks and can’t find any help. My mum opened me up a child’s bank account with Lloyds bank when I was around 14 years old, she had full access to my account to see what what going in and out etc… I didn’t swap to an adults account until I was around 18/19 years…
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Seeking Advice on E.ON Next and Opos Debt Collectors Issue
Hi all, I’m hoping for some advice on an issue I’m currently facing with E.ON Next and Opos debt collectors. Here’s the background: In July 2024, I received a letter from E.ON Next addressed to me at my registered business address. The letter thanked me for "signing up" with them and included a breakdown of estimated costs…
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Stay in Debt or Use a DMP, whats right for me?
Hi, I am looking for some advice really. I have around 22,000 pounds of debt mostly credit cards with a small personal loan I have almost finished paying off. I have 3 credits cards. 2 are maxed out and one is empty. I basically wait for an interest-free balance transfer option and transfer to the empty card which I have…
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Help - Personal Loan Repayments & Financial Harship.
Hi - I just wanted some advice really as I’ve never been in this position before. So I’ve had a personal loan for a few years now, there’s around £7,700 remaining and in approximately May 2024 my loan repayments were reduced due to me only working part time following having a baby. This was reassessed again in November…
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Two loans which to repay first?
I have two loans from family members Member a 2600 lent in 2013 Member b 2000 lent last November. Both are at 0%(indefinitely) with an agreement to repay 60pcm. However I am expecting to come into some more money I have started a new job at a higher salary (and was on emergency tax code(br I think) as hmrc didn't process…
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Waiting on Standing Order Details
Hello all, I'm in the middle of waiting on defaults for my creditors, doing a self managed DMP and been at it about 6 months, and I'm still waiting on 4 of them (out of 17) to send me some standing order details. 3 others I've got bank details to pay but they are still in the process of defaulting, but it all seems to be…
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An account included in an expired debt relief order is still showing as open
Hi This question is on behalf of my daughter who
has no other debts (apart from a student loan) Who wonders if anyone can offer information regarding
what should happen with debts contained within a debt relief order when it
expires after its 12-month period and the financial situation didn’t/hasn’t changed for the…
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Dmp early pay off?
Hi, I won't go into the exact details but I may be in a position soon to pay off my dmp. I only took it out last July and it stands at around £26k. I know this is a question with no real answer but what sort of % do you think could be knocked off for early settlement. It's is spread across lots of companies from £500 up to…
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PRA Barclaycard CCA request
Hi guys, I made a CCA request to PRA over a year ago, I received the standard letter saying it was unenforceable pending documents etc then nothing at all…until last week when I received an email saying ‘following our conversation, I’ve place your account on hold for 14 days’ then today I have received an A4 envelope with…
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Interest Free Balance Transfer
Hi, I have £15k debt interest free across three companies until Summer 2026 that I will be unable to pay off by then . What are the chances I will be able to interest free balance transfer these amounts closer to Summer 2026? Am I going to end up in a mess ?
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Job loss and DMP
I have been today told at work that I am facing performance management or I can leave! I am 2 years into a DMP... If they sack me at the end of the performance management, will I get the dole? Im very worried....what will happen to my DMP?
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Debt budget
I have applied for help with a debt adviser but when I try to make a budget I cannot provide proof of some of my outgoings eg my utilities as they were pay as you go and my lodgings were payed in cash
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CCA Request, no statement provided
Hi all, quick question, am I right in assuming if you submit a cca request a statement of the debt and previous payments should be supplied for it to be valid? I recently submitted one and have received the agreement which is fair enough but no statement which I requested. For ref I've attached what I've received but…
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£30K of debt, using credit cards and Overdrafts to survive. Its consuming me, I'm miserable!
Hi all, I am really struggling 3 years ago I got married, bought a house, and had a child within a year. It was amazing. The house needed a lot of work, the wedding got expensive and our daughter needed the newborn essentials. I got a credit card and another one and another one, made minimum payments and kept spending. I…
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Moving from StepChange to a self managed DMP
I posted a couple of days ago about advice re a full and final settlement offer for my lowest creditor and received some advice to wait until a debt company offers a settlement figure. However, I've read some more and think a swapping to a self managed DMP might be the way forward. I have been in a debt management plan…
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Advice for debt
Hi all. I have a debt being collected by Intrum. It has been getting collected via stepchange for 8 years now. I have £33k outstanding and at the rate I'm paying it's going to take me another 62 years to pay it off. Is there any advice you can give me with Intrum to get some kind of settlement off with them? As mentioned…
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Halifax overdraft
so I’ve been reducing my overdraft pretty much every month for the last 5/6 months was at £1200 now at £550 will reduce it by another £50 I’ve been in it most months if I’m honest and have been using it for all the wrong reason. I’m I best to keep doing this until it’s paid off completely or have some form of overdraft I’m…
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Need Advice : Managing £15k Debt While Buying a House
Need Advice: Managing £15k Debt While Buying a House Hi all, I’m in a bit of a tricky financial situation and would love some advice. I’ve just accepted a new job starting in February with a £45k salary, plus the potential for two £1,000 bonuses each year. While this is great, I currently have £15k in credit card debt…
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