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Moving abroad - how to handle credit card debt?
Hi, I was told to post in this forum, so I'll repost my message here. My husband and I are looking to move to an EU country in the very immediate future. He is being made redundant as his workplace is closing, and he has managed to secure a job in my home country. We have a 1 year old, so it seemed like the right time to…
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Self DMP, 2/3 month in, some irresponsible lending complaints have come in
I have stopped paying all creditors for the past 2/3 months now. I am in the verge of getting my defaults with some of them. I think I have had a few defaults already, I need to double check. I have received a few upheld complaints saying that they should have done more checks before increasing or lending to me. First one…
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Feeling a bit stuck!
Hi again, Firstly, I been successful via CAB with 2 write off requests. Two small ones have been unsuccessful. I have been waiting to hear from Virgin, Barclaycard and Next, all of which have now defaulted. CAB have said they were declined, however I’ve had no letters either via CAB (who forwarded all other successful and…
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Debt getting me down
hi everyone, I am pretty desperate for help and not sure what to do! I have around £40k worth of debt and just about covering everything every month! I have spoken to pay plan and cccs and one has suggested an Iva and the other a dmp (which will last 17 years!!) the thought of either of these frightens the life out of me…
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Equity release with k restriction
My husband died in 2025 and left everthing (he actually had only his pension no other assets apart from our home) to me in his will, I was the only beneficiary and also executor. I enquired on getting a lifetime mortgage as I now need the money released from the property to live out my days on, only to find that there are…
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Best approach to take?
I have had a chat with chat gpt and it suggested a few things, but I wanted human perspective. I am 41, work full time for the nhs and have a good pension through them. My husband is 53 and has 17k in a pension. He has just started a new job and the pension contributions are set to kick in. According to Google, his pension…
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Dont know what to do
Looking for help/advice. I am really struggling with my debts each month. When I say struggling, I mean that when I have paid my debts each month, I have approximately £200/£300 to last until my next pay day, which is the 20th of each month. I have 6 credit cards, that have outstanding balances, the highest one is £11,866…
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Big decision to make am scared
my husband died at the end of last year. I have around £23k of debt which I need to deal with. I already have informal arrangements with 3 of my lenders (credit cards) I have filled out the budget sheet with stepchange who have recommended a pause in payments or a dro. The recommended top solution was suspension of…
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What would you want from an MSE SOA? 🔢
Hi everyone, The existing SOA calculator has been a huge help to MSE Forum users for many years. It has supported countless people in setting out their finances clearly, getting practical feedback, and taking the first steps towards sorting things out. We’re tentatively exploring whether an MSE version could be useful, and…
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Settlement for Link Financial Outsourcing
I have been paying my debts with Stepchange since 2021, and I'm nearing the end by December this year, however I want to be debt free sooner! I owe Link Financial Outsourcing £1,541.80 and I want to make a settlement offer. They have a webform on their website where I can input an amount I can pay and the source of the…
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Clear plan
Morning all I suppose what I am asking for is a collective plan. I try to do too much, lose focus, give up. Try to do too much, lose focus, give up. Details. Am 50. We had kids later in life. They are 10 and 12. £28k left on mortgage, at 1.6% fixed till next year. I work in a supermarket. Hate it to be honest. People who…
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Council Tax + Bailiffs. How to deal with this?
Apologies If this ends up being long but there is considerable context and history here. Background 2017 - I fell ill (cancer) and we had a new baby on the way. Pretty much ended in financial disaster. For several years we just tried to get by but ended up in this weird debt cycling with the council. The process is this.…
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Argos card
I had an Argos card as I needed some white goods. I put them on bnpl. Now the Argos card had changed to Argos pay I have lost the ability to pay off my bnpl deals before they run out. It means very shortly I’m going to be slammed with interest. does anyone know if a credit card will balance transfer from Argos pay?
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Complex issue with bank- not sure what to do
I’m reaching out to share a really difficult situation I’ve been going through with NatWest, in the hope that someone might have some advice. My story starts in 2023. At the time, I was in a very vulnerable place—recovering from a serious accident and struggling with my mental health. My finances were a mess, and I was…
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47k unsecured debt, no income living on redundancy payment.
Hi, I have 47k of Credit card debt, that is currently about to come off its 0% deals. I was made redundant about a year ago and have been living off my the lump sum payment since then. Its down to 12k left, this is my only money, I can't get UC, I can't get a job. I am getting my DB pension next year of 20k per year + 130k…
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BW Legal - Reoccurring Calls but no Letter
I have had several calls from “BW Legal” over the last month or so. The automated call always leaves the same voicemail: ”Hello, this is a voice announce message from BW Legal. Please listen to the full message. BW Legal have recently written to you on behalf of our client. I want to remind you to get in touch with us…
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FOS Upheld Complaint now Zopa are removing my Default
Hi All, The FOS upheld my affordability complaint against Zopa and they've now written to say: "Zopa will no longer report the loan agreement to the Credit Reference Agencies, and we will remove the loan from your credit file, including any previous negative impact, including the default registered on 2 January 2026." Does…
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Defaults dropping off and statue barred
Hello, It’s been a long time since I’ve been on the forum. Back in 2020 I defaulted on all my debts and started a self managed DMP. Fast forward nearly 6 years (where has the time gone?!!) and my defaults are starting to drop off my credit report. Over the past 6 years I have been making small token payments to all my…
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affordability complaint questions
I have just stopped paying this month. Do I need to wait for the accounts to default or should I get on with it before that? Thx
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PastDue Credit Solutions - chasing for HMRC payment
Received a letter (8 days after it was supposedly "sent") from Pastdue saying I owed their client, HMRC, £4,3xx.24. I have not received any communication direct from HMRC for this amount. I paid HMRC £5,1xx.84 in March and £100 in April. Should I not have received another communication from HMRC rather than this letter…
A place for MoneySavers to share their journeys towards debt-free living.
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Most recent: 2026 - consolidation and calm by dawnybabes
2 August at 11:15PM
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