-
Lowell want partners earning details?
Hiya, do I have to give my husband's financial info to Lowell? It's for a debt that defaulted in 2020, solely in my name, husband is not happy with them asking for his information when the debt is only in my name. He works, I am a carer for our autistic son and don't work, also with my own disabilities, so my personal…
-
Full and final settlement help thread
Hi all Am currently trying to negotiate with debt collection agencies, to get them to accept a full and final settlement figure. Does anyone have any tips on persuading them to lower their demands? Thanks
-
DMP or not to DMP.... that is the question.
Hi everyone So like most on this forum I need some advice around debt and what to do with them. I work full time and am on a fairly good wage but instead of enjoying this, I was an fool a few years ago and spent more than I earnt, I did however have a very very good time :smile: So I have completed a SOA off Lemonfool…
-
HSBC credit card default question
This relates to my existing HSBC Credit Card that went in default Sept 2022. Mar 2024 During a review I informed HSBC I would stop paying £50 pcm towards a previously agreed plan. My circumstances had changed and I could no longer afford the previously agreed payment. (payment was goinmg towards increased rent) March 2025…
-
Laying it all out is scary but I know I need to make a change…
I’m sick to death of being sick to death. Through a number of really dumb decisions I’ve found myself in a rather significant hole. I take full responsibility for ending up where I am and absolutely will get this sorted once and for all. I’ve not only had my lightbulb moment, the bulb has smashed over my head! I’m going to…
-
Being Chased for a really old debt(s)
Morning All, After a little help. A few weeks ago i received out of the blue a txt message from a company call Perch Verify stating i must con tact them, it had a reference number on it and thats it. Assuming it was span i ignored. I then last week received as letter from them claiming to act on behalf of ACI and debt…
-
Amex refer debt to NCO and now Brachers LPP
I have missed payments since January 2025 with the view to defaulting. Amex referred the debt to NCO in April and I ignored their calls and emails. I had a random call from Brachers claiming to act on behalf of Amex. They asked me if I could make payment and I replied that no but they should send any correspondence to me…
-
Lease payment for solar batteries
This discussion was created from comments split from: DMP mutual support thread part 13 !!.
-
Help with whether to contact Debt Collectors at this point?
I was away for the week and kept getting phone calls and emails from Advantis Credit. I blocked and ignored them. But I’ve just got home to this post. There is no default showing yet on my credit file. Do I need to contact Advantis Credit yet and start paying? Also, I have this last week: ~Lloyds Bank CC default now…
-
Unsure of the best route
Iv currently got a 20k novuna personal loan witch is currently in arrears due to me going on a PP Iv had a family memeber offer the money to pay the debt off but what route can I go down as it’s giving me a settlement 22k or with the loan and arrears they are asking for 28k overall it’s nearing defaulting but will it be…
-
setting up payment plans
Do you have to provide details of Income and expenditure when setting up payment plans, I mean are you obligated to? Specifically, I had a Zopa card which an irresponsible lending claim was upheld on, they have closed the account, refunded interest and no longer reporting it to credit agencies. I've been emailing for weeks…
-
Pickle of note!
Hi - have read so many posts on here and can relate so much - especially to the feelings of being ashamed and kicking myself for letting things get this far, I’d love thoughts on my situation… - debts 47k - all my name only and currently meeting all the payments - husband is retired and not in good health. He is aware of…
-
default will it lead to Iva
Hi I’m in the process of sorting my debts by either defaulting or DMP ? However my partner is worried if we default that we won’t get offered a DMP and will go to IVA which neither of us want . Also if we have DMP will my bank see this and remove my existing overdraft that I haven’t used ?
-
Default issues
Hello all I’ve had a self managed DMP for a number of years and all of my debts have subsequently fallen off my credit report. I had a payment agreement with Very (Shop Direct Finance) who agreed in Jan to backdate a default so it too would show on my credit score and subsequently drop right off, which it did, improving…
-
DMP Self managed or third party help?
So I'd decided a self-managed DMP is my best route to clear my 60ish of credit cards / PayPal credit / very accounts. Ive spoken to my partner (we share a mortgage) who I live with and my kids and been honest about everything, he is shocked and naturally apprehensive. He is worried about debt collectors coming to the…
-
Lowell debt close to being statute barred HELP!
Hi, So I need some advice because we all know how stressful dealing with lowells can be! I'll try and make this short.... I took out a loan with Lloyds bank a long time ago but made my last payment on 17th Dec 2018 (so very close to now being statute barred) Following a relationship breakdown and a mental breakdown I…
-
Bank account question Re: DMP
Im reading through old posts here and learning alot....Thank you everyone! My plan is stopping debt payments to enter a DMP. I have 2 joint accounts with hubby, both with overdrafts which I am trying to pay so as not to drag him into this (well as much as possible!). We have one account where the mortgage and other…
-
Debt Free (for the 2nd time - and that’s the rub)
TLDR - Am I right to be scared of any debt after a long history of problems I’m 56 and been in debt pretty much since I started work at 17. I’ve never been in “trouble” apart from some dicey moments with poll tax in the 90’s, as my income has always been just enough to survive- albeit living from payday to payday. 12 years…
-
Opening new bank account to avoid bank offset charges
I posted back in January about my husband suddenly dying and leaving me without any income. I had £2,500 on my 2 credit cards that I just couldn’t pay. I took advice from here and wrote to Barclaycard and M&S informing them of my circumstances and asking for a few months break from payments while I tried to sort things out…
-
Defaults have begun: self-managed DMP
Hi everyone, This is my first post, so apologies in advance for any newbie mistakes. I’ve been following this thread for a while now and have been taking on board the advice shared here. Like many others, I found myself stuck in a cycle of growing debt, with interest payments becoming unmanageable; all stems from a…
A place for MoneySavers to share their journeys towards debt-free living.
9K discussions
1.7M comments
Most recent: The Cutting Down Alcohol Challenge for March & 2026 :) by cathybird
Today at 5:12PM
Forumites help each other push down their debt by setting challenges and encouraging each other to achieve their goals.