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Self managed DMP HELP
This discussion was created from comments split from: DMP mutual support thread part 13 !!.
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Debt write off for mental health
Hi all has anyone managed to get debts written off due to the impact it is having on your mental health? If so, what process did you follow? Did you need to submit evidence to them as well or just you just write a letter explaining the affect it is having on your day to day living thanks a lot
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ACI notice of appointment
could someone share some light for me please? I’ve had a letter stating lifestyle loans have instructed ACI to manage my account. I’ve only missed one payment, does this mean lifestyle have sold my loan onto ACI, it’s all a bit confusing. also when I go got DMP do I give them the ACI account or lifestyle loans? thanks…
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Great 'ways To Cut Back' Hunt
MoneySaving's about cutting your bills without cutting back, but sometimes it's necessary to tighten the purse strings. This can be anything and everything. So let's use MoneySavers collective knowledge to form the greatest ever checklist of ways to cut back. If this is good, I may publish the results as an article :) What…
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Lowell o2 fraudulent debt
I want happy with o2 as their practices triggered my autism, I made a complaint about how they treated me as an autistic person and we agreed I would pay the full remainder of the contract up front so I could not have to deal with them I could stop using o2. So I paid in full on my debt card for the reminder of the sim…
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Looking to reduce debt and interest
Hi all, not got massive debt apart from the mortgage but my situation is I have two loans, one with Tesco which has a balance of £3.5k and another with nationwide which has £1.2k. The Tesco loan has an interest rate of 4% and the nationwide has an interest rate of 7%. my income is £2,900 per month, I’m currently paying the…
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Stepchange terminated DMP immediately hounded by PRA
I am seeking advice on how to proceed with PRA and StepChange. The
person details of why and how I got into this situation are irrelevant, but the
following details are. My debt was contracted in the UK before the Pandemic, and I would
like, in the future, to return to the UK. StepChange has conducted all aspects
of my DMP…
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Debt Advice please
Hi, I am after some advice. Long story short, income has dropped, outgoings high inc credit cards. I am considering options at the moment, but am concerned about the effect on my credit file in the long term. Several payments on 9 credit cards are late, behind with priority bills and currently looking to make arrangements…
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TIP: Treat annual expenses as monthly
Not sure if this has been discussed before but thought I'd share anyway. Earlier this year I started to treat my annual expenses as monthly ones. Dividing the expense by 12 and saving that amount each month. Now I know my subscriptions, insurances, car service etc are all covered. Gutted it's taken me this long to start…
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Tax arrears
Hi there - I apologise if this is in the wrong place! Basically my wife owes 42k (including about 7k in fines) to HMRC in unpaid taxes - this figure jumped considerably during covid as we were unable to support our household as I was out of work, we just fell behind with payments. The amount is in her name but it is of…
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Tax council headache!
Hi all, I need some advice about a council tax issue that’s become a real headache. Between 2016 and 2020, I was living with my wife at x adress. We separated, and I moved out in January 2020. At that time, the council tax account was a joint one in both of our names, but when I left, the account was closed, and a new…
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Freeing up credit
Historically i did balance tfrs and all my debt was on 0%. Things have got in a mess and they are now all standard rate costing around £400 in interest. If i could just clear one to free up credit i could get back on track but i can't see how to do this. Can anyone advise. I was considering asking for freeze on interest…
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Settle car finance / invest elsewhere
Hello all, I'm looking for a bit of advice, or some reasoning. First world problems and all, I'm due an unexpected work bonus soon and trying to get my head round what is best to do with it. I'll use some example figures and a high level situation below, hoping this doesn't come across as crass- Good salary, and good…
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Ex-Halifax Debt sold to Cabot
Hi I have an ex-Halifax debt that has been sold to Cabot. I've previously read on here that Halifax keep documentation for 7 years. Regarding the CCA, does this mean that Halifax would keep it for 7 years from the date the account opened or 7 years from the date the account was sold? Also, has anyone successfully got debt…
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A debt company saying they are the new administers of my account and are asking for payment
Ive had a letter from Arrow global saying they are the new administers but it will be under capquest debt recovery ltd. They say i owe over £2300 for a lloyds tsb overdraft but i haven't had this account for over 10-15 years! Why am i receiving this and isn't it too late for them asking for a debt that i don't even know i…
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Should I ask for a payment holiday?
Hello, I’m currently on breathing space, after getting into loads of debt, personally and through my limited business. I have sorted my business out, and have enough income monthly, through doing the work myself and cutting back. I had a huge amount of stress upon me during the time of getting the debt, including a very…
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Help with scam investment Loans please
This discussion was created from comments split from: Struggling with debt? Ask a stepchange debt adviser a question.
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Wrong default date Creation Finance & Lowells
I'm just looking for some advice. I had a debt showing on my credit report with Creation that was sold to Lowells with a default date 19/08/2018 this became statute barred in September this year and has dropped off my credit report. But now its showing back on my credit report back with Creation with a new default date of…
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Capquest
I received this today and dont really know what to do about it. Any advice and help would be really appreciated, thanks.
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Overdales won’t negotiate
Hi all, Overdales is my last debt. It’s the most recent debt too and I have been paying them £1 per month for a while as they gave me a CCJ and were sending threatening letters. As I’ve managed to clear all my other debts, I want to clear this one too. I got big discounts on all of the others. Paid about £800 to Lowell to…
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Most recent: NST September 2025: Keep It Simple! by apple_muncher
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