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Debt-free wannabe

Mutual support and help for those on their journey to becoming debt-free.

Shall I stop paying credit cards?
Menopausal exhaustion and brain fog led me to leave a lucrative career, but I didn't adjust my lifefestyle to match it, and now have credit card debt. I've been cutting back everywhere just to make the minimum payments, but this isn't sustainable. I'm not even making a dent in them. I am single Mum to 3. The 2 oldest are…
Warrant of Control/CCJ
Hi, just after some advise. I defaulted on a credit card about 2 years ago (1.8k) debt. I have now been issued a CCJ for this....I chose to ignore all previous letters. All these letters are going to my parents house and I have since moved out. A Warrant of control has now been sent, a final warning saying a bayliff will…
So stressed! DMP & Defaults
Hiya, I’ve spent all week chatting to PayPlan via Whatsapp, and finally come to my options. Their recommendation is IVA.., but also said I can do ‘self managed payment arrangement’ but they said they don’t advise this as some creditors say no. Then there’s bankruptcy. I definitely won’t be going bankrupt, and I don’t even…
Help! Being ordered to pay £500 as I didn’t get the court letter to attend variation of payment!!
I had some work done at my house. I was left with trailing extension leads for years as there was no power to whole areas of the downstairs to my house. I refused to pay. Despite a report from an electrician to say that the work was poor, the electricians won?! I have to pay nearly £5kI sent an N44 application to the court…
Still being charged interest on DMP
Hi guys, New here and very very stressed about my DMP with StepChange. I've been on the plan for around 10 months - I have about 16K of debt with 5 creditors (all credit cards). Three of the creditors - Virgin Money, Barclaycard and NatWest - didn't accept the DMP and have continued to contact me and charge interest. I'm…
County court claim form received, I have questions
This discussion was created from comments split from: DMP mutual support thread part 13 !!.
Bank closed my account - what should I do?
Hi, I had my current account with one of the big five high street banks since the early nineties. Had an overdraft limit of a couple of grand for much of that period and often made full use of it. Also used same bank for my business for many years until business went to wall a few years back. In Feb 2024 they closed my…
Default Issue
Hi all I am hoping someone can help or advise me here. Basically back in 2019 I had to go into a DMP which wasnt an easy decision as I work in Financial Services, this was all due to the break up of my marriage due to my ex-wife going bankrupt. The issue I have is that although the DMP was set up in 2019 and all debts were…
CcJ form?
Hi. New here and wanted help from people who have done the same. I have just filled form n9a? Before a CCJ is issued. My question is, Do I send it to the claimant or the court? Thanks
What should I pay off first?
In 2022 I bought a property with my partner valued at £440,000. We borrowed £15,000 from my parents to buy our house. The terms of the loan were that it could be paid back at our discretion, with no set date but most likely over 5 years, and a yearly interest rate would be applied matching the rate offered by my parents…
Letter from county court
Hello 👋 I have received a letter from Northampton CCBC. The letter says it’s for a debt from 2014-2018 and says they got appointed around late 2022. There isn’t much more info in the particulars than that. As the dates on the letter are over 74 months wouldn’t this be classed as Statue Barred? Also to add I’ve not had any…
Vodafone mobile arrears on closed account
I’m hoping DFW veterans out there can offer some guidance on how to tackle an old debt accrued on previous Vodafone mobile account. I had a contract with Vodafone for many years. Latterly, as it was used almost entirely for work, it was tied to my business account. When my business went to the wall in 2021, I kept the…
Virgin Media broadband arrears on closed account
Hi - my first post on the DFW forum boards so pls go gently with me. In early stages of belatedly getting to grips with tangled mess of my finances following a long period of head in sand paralysis compounded by two months dealing with a family bereavement. I’ve spent last three days opening backlog of post, working…
Default registered too early?
Cutting a long story short here, but I had a letter from MBNA dated 12th September asking me to contact them before 30th September to discuss some missed payments. I called them today and was told that the default was registered on 17th September. is it just me, or does this seem a little odd timing wise? I contacted them…
DMP Help
Hi looking for some advice i wish id checked here first ... i have 37k worth of credit cards debt on various cards. I have payment arrangements set up by myself with most of them but reading here seems like letting them default and then setting up a dmp would have been better for my credit report in the long run, my…
Has anyone had any luck backdating a default from a debt collector?
I am now finally debt free after just over 6 years (yay), but a couple of my defaults still have a couple of years to go before they clear my record. I defaulted with the original lenders, and then defaulted again when the lenders sold the debt to collection agencies. This happened just over 18 months after the original…
Ashamed and Upset
Hello all. Long time lurker, first time poster. I've drafted and redrafted this message on and off for about 6 months. However my financial situation is now so dire that I can't bury my head in the sand any more. The story is the same - I have overspent over the past 10 years, and whilst initially affordable, interest…
Advice please :) A (default) account will be removed from your account.
I got a notification from Clear score stating that an account (credit card) in default will be removed from my next report. The date of default is stated as 03 Sept 2019 on Clear score but I feel like it's older than that. I also got a letter from Link financial this week stating; "Despite our efforts to collect this sum…
Fulfilled IVA with totally the wrong postal address on!
Hi, My daughter took out an IVA but died suddenly even before the first payment was taken two days later (we never got it back). As her next of kin and the person responsible for then dealing with all matters pertaining to her death including finances I contacted the IVA company to tell them she had died. To say they were…
In a Real Financial Mess & Don’t Know What to do or How to Cope
Hi, I’m in so much debt. I don’t know where to start. I’m finding it really difficult reading, responding, meeting deadlines and juggling all the letters I’m getting, I just can’t keep up. I’m struggling to remain positive about my situation, I really don’t want to lose hope, but I’m due in the county court next month. The…

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Debt-free wannabe

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