-
Sanity check my plan please. Currently on Maternity leave and panicking about life and finances
Hi everyone, I have been lurking here for a while and found some excellent advice. I was hoping someone can also advise on my situation as I am now in a situation where I can't afford all my minimum repayments for unsecured debts. I have posted my SOA below. This is my current maternity leave income + my share of the…
-
Cabot financial want to send company called Orbit to my door
Really hoping someone can help please. I have had Cabot financial calling me I have not answered as they call during the day when I’m sleeping as I work nightshift. Now I’m getting messages from a company called orbit saying if I don’t contact Cabot that Orbit will send someone to my door. I’m in complete meltdown mode.…
-
Bailiffs, help!!
Hi, I had a ccj sent to my old address luckily I was given the letter and I paid it within 14 days. I paid the company in full however 2 days later I received a letter saying the bailiffs were going to come to my house, I rang the company and asked them if they could get in touch with the bailiffs to tell them that I had…
-
Charging order restriction.
Looking for some help advise of anyone please. I'll start with my debt issues 28k over 6 CCJ's 4 of which have charger order restrictions on them. CCJ's payments are all upto date And they were issued approx 2 years ago. Now my story For the last 7 years me and my partner have been going through hell basically. First 4…
-
Debts of £35k Wiped
Last October my brother-in-law mentioned that he was getting loads of text messages asking him to increase the money he was paying the debt collection companies, and it was causing him great anxiety. I do have some experience of dealing with debt collection companies from years ago – I asked him to share what they said he…
-
Credit card debts
Hello. I hope that I am asking in the right place? I am self employed and currently have approx £25,000.00 in credit card debs with 6 different cards. This all came about after my partner suffered an awful illness and neither of us could work for a long time. I have been making the payments ever since (6 years now) I have…
-
Debt repayment options
Hello, I'd appreciate your advice. Debt: I have credit card debt totalling £35k - most on 0% rates which I juggle and maintain by paying the minimum. Balance transfer deals are not guaranteed in the year ahead and I have £6k on 22%, and further 0% offers ending June and July 2025 totalling £15k. Remaining is on 0% card…
-
In Debt again but starting a DMP
Hi, long time lurker but thought it's about time I posted again. Been in debt on and off for the last 30 years or so, but it's happened again. Currently owe about £45k unsecured on various cards and loans. I've never missed a payment, i've never been late with a payment, the minimum payments are now over £1200 a month and…
-
Asking for ccj to be removed as the debt was over 6 years old when ccj registered
Update the one with the ccj I haven’t made any payments but the one that doesn’t have a ccj, I last made a payment in November 23. Lowell kept contacting me. Not sure if I can do anything now with having made some payments Hi I’m trying to sort out my debts. I have two ccjs that I believe were given by the court, more than…
-
Next stage of my self managed DMP
Hello! So back in July I stopped paying all my credit card debts. They have all written to me numerous times and called me but finally now they are all defaulting and all my letters are from various debt collection companies. My question is what do I do now?! Do I write to each one stating what I intend to pay each month?…
-
Snowball Calculator not allowing dates past 2025
The SOA Snowball Calculator's at lemonfool and stoozing are not allowing the entry of dates past 2025 ie. promo offer end date. Anyone got a functioning Snowball Calculator?
-
Cancelled direct debit loan payment and NatWest took it from my new bank anyway
So, I cancelled my direct debits for the two credit cards and two loans with NatWest that I’m currently in the process of setting up a DMP for (and in Breathing Space until 18 March) and I did this about ten days ago. I noticed one was showing on my new bank that I’d done the bank transfer process with yesterday and I…
-
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…
-
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…
-
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…
-
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…
-
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…
-
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…
-
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…
-
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…
A place for MoneySavers to share their journeys towards debt-free living.
Forumites help each other push down their debt by setting challenges and encouraging each other to achieve their goals.
1.2K discussions
412.3K comments
Most recent: NST September 2025: Keep It Simple! by weenancyinAmerica
Today at 1:26AM
