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HELP! i’m a student in debt and im overwhelmed!
Hi guys,. i’m wondering if someone could help me please or give me some advice. i’m 22 from the UK and a full time uni student. I come from quite a low income background, my mum is a single parent who has only ever worked in jobs that don’t require qualifications, so when i got access to my own money i went a bit wild with…
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£55K debt
[font=courier new][b]Statement of Affairs and Personal Balance Sheet[/b][b] Household Information[/b]Number of adults in household........... 2Number of children in household......... 2Number of cars owned.................... 1[b] Monthly Income Details[/b]Monthly income after tax................ 0Partners monthly income…
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Newbie starting a self managed DMP
Hello, Newbie here 👋 I’ve been reading lots of posts on this forum to get to a point where I understand the self management DMP process. Still trying to get my head around it. Very alien as I pay everything on time but the monthly payments are unmanageable which results in more debt - ultimately robbing Peter to pay Paul…
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Email from a bailiff, is this a scam?
Had this email recieved this morning - sounds like a scam or scare tactic to me as surely if they issue a ccj the court decides if i can pay in installements and its not automic removal of goods? Do debt is noted, nor amount.... i paste the entire email excluding my name below. Any advice much appreciated, btw his email…
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DMP and CCA Help
Hello, Looking for some help with a DMP I started with Stepchange in the middle of last year when I separated from a partner and it changed my outgoings considerably meaning I couldn't manage the debt level I had. I can't fault them they helped a lot when my head wasn't in a great space and I wasn't dealing with the…
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Debt letter ?scam?
Hello after leaving cobtrolling ex n adult children over 12 yeares ago suffering depession due to death of parents n father inlaw within 8 yrs i left to be alone iwent to refuge then to rented place i had my belongings but no electrical items freezer , tv , kettle, about £900 I was paying off with my sick money , for about…
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DMP Help please.
This discussion was created from comments split from: DMP mutual support thread part 13 !!.
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Jersey
Hello, Sorry this question has been posted on the wrong thread! :( Please ignore..... Do you help people from Jersey? My loan is with a UK bank. I have a credit card/overdraft here.
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I have a few questions regarding CCJs/attachment of earnings.
This discussion was created from comments split from: Struggling with debt? Ask a stepchange debt adviser a question.
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Settling Debt
Hi All, I'm currently working with Stepchange for the last year and have agreed payments with my creditors, most of which have now been sold to a 3rd party. In the next few months I will be in a position to clear all of this debt, my question is, is there value in trying to negotiate a lower settlement figure as the debt…
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IVA Advice please
Hello everyone, I am in approx £40k debt (loan 26k and 2 cc = 13). I earn enough to cover the repayments each month but only just and I am left with not much to live with. If I continue it would all be paid in five years. I wish I could move the loan to reduce interest or just have a short break from paying to recoup even…
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How Long Before I hear back from StepChange?
I made an application yesterday. How long before I hear back from StepChange? I am just anxious and I am needing someone to talk me through this. I am on the process of opening another basic bank account or using either Wise or Monzo temporarily for my salary to go into because I am scared it would go into my bank…
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Anyone from Jersey Channel Islands?
I have been searching for days and days about how Jersey is different from the UK in terms of options about going to a self-managed DMP or having a company like StepChange. Lots of users have given me info and advice but they are not from Jersey. I have tried Facebook, Reddit, but haven't found anyone who's experienced…
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View from the other side
Hi everyone, long time lurker, first time poster. I see such a lot of good advice on this board that I thought it might be slightly interesting (or possibly not, lol) to hear from the 'other side' of consumer debt. I've worked for consumer CC companies for well over 20 years now, from on the phones selling instant credit,…
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Time to change
Good morning all, Like many, I set a 2024 goal of becoming debt free. I didn't add to my debt (aside from interest accrued) but I am entering 2025 in roughly £8k debt, spread across paypal credit (4.5k), Argos (1k) and Next (2.5k). I'm getting by on minimum payments each month, sometimes a little more. I've been stuck here…
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Ex refusing to return car on finance
I was an abusive relationship and during that time I stupidly got car finance out for him. I didn’t for a second think I would be accepted for a £24000 finance seeing as I had just gotten car finance for myself a month beforehand. Why would they accept an unemployed mother two finances??? it’s not their fault I know that…
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Partial Settlement
Hi, Hope some can help. A friend made a settlement offer of £400 for an outstanding debt of £500 off a Barclaycard that had been passes on to Allied International Credit December 2023 They sent a letter stating they would accept the offer & mark the credit file would be marked as a partial settlement. . This is not showing…
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Overdales seeking debt from 2017
So long story short, in 2017 I had a mobile contract with BT, I used to travel a lot and BT claimed I once used my phone during one of these trips. Which I did not as I always swap sim cards on the plane. After refusing to pay the bill I left it at that. The last 6 years I have been out the UK and since returning last Sept…
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Moved: Tilly Tidy in 2025
This discussion has been moved.
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Debt
Hi looking for advice, I have stopped paying the debts on my credit cards and loans and im awaiting them to default on my account ive had a email today with a notice of sum of arrears attatched and they have said they will send to a debt collection agency they have left a email for me to email them .. ive checked my credit…
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