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At my wits end - I don't know what to do
I entered into and IVA last year and after 12 months I lost my job and had a mental health crisis. I stopped paying the Iva and I think it's been closed now. I want to get on track with paying things off but I don't know how to get started again. I would be ever so grateful for any advice from anyone. I'm not currently…
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D(MP) Day! 1st July 2025
Hi everyone, First of all, a massive thank you to: * Everyone who has shared their experiences with debt – it’s incredibly reassuring to know I’m not alone. * Everyone who offers advice and support – this forum has been a godsend. I’m currently dealing with around 46k of unsecured debt: * MBNA Credit Card – £17,000 *…
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Statue Barred Time Limits and Debt Admission through Payment Plan?
Hi everyone, I have read some excellent advice on here and hoping someone may be able to guide me through my situation to make sure it doesn't get worse. I accidently set up a payment plan yesterday for a debt which was defaulted on 30th September 2020. As this debt was accrued in Scotland I believe it should be stature…
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After 4 years and 3 months on my DMP...only 5 payments left to debt free
No real point to this post, other than writing it down makes me so happy. I started my DMP 36k in debt in October 2021. Doing that DMP was the best thing I have ever done. I have lived my life, whilst paying my debts back. I can't believe I have only 5 payments left. If you are thinking of going down this route..stop…
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Repayment of overpayment of carers allowance dating back to 2010.
I’m looking for advice on a long-running DWP Carer’s Allowance overpayment and whether I have any realistic options to challenge the ongoing recovery. I was overpaid Carer’s Allowance due to working slightly over the permitted hours (I did not realise at the time I had breached the limit and did not report the change). I…
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Should I go down the DMP route as suggested?!
Hi 👋, I'm struggling. I'm over £30k in debt on CCs. My OH has already helped me out to pay off one, but I want to try and sort the rest on my own. Interest has now kicked in on all of them, and while I'm keeping up with payments, they're minimal. By the end of the month, I need to put things on my CC, so I feel like I'm in…
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Newday - no contact still
I have previously mentioned I won my affordability claim back in Dec/Jan with Newday. I’ve had no letter directly from them but they sent it to the FOS who forwarded it to me. So I know my outstanding balance. When I won back then I called Newday (yes I know should haven’t) and asked about paying it and they gave me two of…
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Unenforceable debt/settlement agreement reached
I need some advice please, struggling to find a straightforward answer! The short story is about an MBNA credit card debt that defaulted 6 years ago and will come off my credit file by the end of June. The debt was sold to Link and I have been making minimal payments the whole time. The remaining debt is just over £11k and…
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DMP advice please
Hi all. I’m currently looking at setting up a DMP due to the amount of debt I currently have. ( over £60k ) I would just like some advice and help if possible on a few things. Having read a few posts on this forum I’ve set up a new separate bank account and my wages will now be paid into this bank. I’m currently in the…
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Seperated With Mortgage And Secured Loan
Please help... Me and my ex have a joint mortgage and secured loan (2nd mortgage) I'm looking to remortgage with my new partner and remain in my family home. Both our credit scores are around 500 on clear score, we have car finance, store cards, credit cards that have stacked up since all 4 of our young children are now…
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My overdraft showing as up to date on credit file and not defaulting!
Hello, I have all but 2 debts to default, one being a Halifax overdraft, it shows as up to date on my credit file despite being overdrawn and no payments having been made for months. What do I do? Obviously I want them all defaulted for that 6 Years to start, any advice welcome
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Legal action - understanding the difference between companies?
Hello, as the title says, Im a bit confused. All but 2 of my debts are defaulted now and I have received a letter from Lowell who are dealing with my Shop direct debt - not defaulted yet and my Virgin money which is shown as defaulted on my credit report As I have not acknowledged them yet the letter says they are…
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Confusion over debt solution deepens
Hello all When I last wrote (a month ago?), I had been advised to wait a further 3 months before applying for a DRO as I had only taken out 2 of my 6 credit cards in February this year. However the mental strain is too much for me, yesterday I called Money Wellness, who I was planning to use after recommendations on here.…
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Consolidation
I'll make this as short as possible. Was in debt for £4000 which was paid by family. Now in the same boat again, 3 credit cards and a loan totalling around £7000. Any advice as to consolidating all debts into one monthly payment would be great help? I can only afford around £100/£125 per month. ANy advice or help would be…
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Very disappointed with PayPal Credit
Very disappointed with PayPal Credit customer service and the confusing way the whole system operates. A transaction of £1,177.93 (MILLIONVIEW) was refunded, and the refund clearly appears on my statement. However, the same amount still continues to appear as outstanding under a promotional balance section, making it…
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Is this a "letter before action" from Mortimer Clarke
Hi all. I have received a letter from Mortimer Clarke Solicitors in which the header states: "We have been instructed by Cabot to take legal action as you haven't paid your debt, you need to contact us to avoid a court claim being issued against you." They "offer" two options, pay in full £2316.02 or pay by instalments. As…
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Iva
hello I have huge debts and considering an Iva, my mortgage is with the same provider as one of my cards that will be on the Iva, will this make any difference? Any impact on mortgage of the credit card is with the same bank. It’s virgin money
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Help DMP not DRO or IVA-should this be in benefits?
63 year old lady Please don’t judge me being on benefits since my health massively deteriorated over past 5 yrs plus and work issues etc Debt credit cards £9k Car asset paid for - Parkers estimate private £4740 - £5920 (needed as long term Ill health and severe mental health,live out in country very little transport, many…
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Nationwide/Reach Out letters
Hi, I’ve had 2 letters regarding my nationwide loan that I’ve not paid since November 2025. I’m still waiting for it to default. I added the letter from Reach Out below. I know the advice is to not engage, however, as I’m waiting for an answer on write offs due to domestic abuse, I’m unsure if I should speak to them…
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CCA Request
I have paid down all my debts over the last 18 months but have 1 remaining that keeps going round in circles. It’s been through at least 5 different collection agencies, each time I request the CCA, it gets put ‘on hold’ and then I hear nothing, until another agency gets hold of it and it’s a repeat process. I’d kind of…
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