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Partner hiding debts
Hi, My partner has been struggling a bit mentally since lockdown and when I try to talk to him about money etc he just changes topics. In January he submitted his tax bill late and then they came back and said he owed another 200-300£ which he was angry about. Recently he's had a few letters through from HMRC which I…
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Struggling with debt – Is defaulting and a DMP the only option
Where do I start. Long time lurker and I’m feeling pretty overwhelmed right
now and I’ve finally bit the bullet and come to the realisation I need to sort
this out after burying my head in the sand. To give you a bit of background, I’ve got a considerable amount of debt across loans, credit cards, and overdrafts. It feels…
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Scam still ongoing!
Just had a scam email as follows and note the errors! Just a warning and I'm not worried in the slightest as it's 100% a scam email. This one has no contact info or links that I can see, but I have kept it in my spam folder, which may hide links? If you get one and maybe a follow up one with links or contact info...DO NOT…
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Settlement offer Capquest
I have a defaulted CC outstanding with Capquest. I have not been in a position to make much payments until now. They are offering me 70% settlement figure which I could pay over 3 instalments. I am doing this on my own. Will this be a final settlement or will they (or someone else) chase me for the remainder? Would it be…
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ACI / Intrum HSBC Debt
Hi all, After reading through threads here the last couple of weeks it seems ACI might have bought a bulk load of HSBC debts recently?! I have lived in Northern Ireland for over ten years and have recently received the first and second letters from ACI, for an alleged £700+ debt for an HSBC account. They are threatening…
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Help Needed: Dealing with Debt Settlements and Uncooperative Creditors
I'd really appreciate some advice or insights on how to tackle these debt-related hurdles. Firstly, I've been faithfully sticking to a Debt Management Plan (DMP) with Payplan for just over two years now. This plan involves making nominal payments to various creditors. Recently, PRA made me an offer regarding an old Lloyds…
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TESCO Bank email
Hi all, I have had the following email from Tesco Bank today and have just spent half an hour unsuccessfully trying to contact them. They appear to have closed my online banking account. This CC account was defaulted over two years ago. How can they be resurrecting interest charges? Thanks TG
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Really need some help, no idea where to start.
Hi all, this is the first time i am writing this down and it feels so daunting. First of all i take full responsibility for the situation we are in, i have lied to my fiance about money (ie not paying bills) i have hid post from him, kept debts from him, not told him when we are in financial difficulty I am horrendous with…
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Advice sought please - Contacted by Moorcroft
Although it was only a matter of time, it was still a bit disconcerting... I received an email from Moorcroft today. They are acting on behalf of Amazon Pulse card. I reported at the beginning of November that Pulse card had written to me (paper letter) to say my account had been terminated. As of today's date, it is still…
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Your PRESENCE not your PRESENTS
Hi. Wasnt sure where to post this.(admin pls move if appropriate) Some years ago I started a "your presence not your presents" thing with family and friends. It worked so well amongst us adults as we could then afford to buy ourselves what we REALLY wanted. We arranged more meet ups and enjoyed the Christmas season more.…
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Panicking slightly
Hello! I’ve managed to rack up a £12500 credit card bill and I’m about to start paying it off but it feels like such a big hill to climb that I’m not sure where to start! What is the best way to cut back in order to get this bill paid? I’ve never been very good at managing my finances and I’m desperate to get better so I…
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debt getting out of control
Hi, I am looking for advice. I currently have a few loans and credit cards that I am now struggling to pay back. I was hoping someone could point me in the right direction on how to manage these payments. My credit score isn't good and I have no idea what steps to take next. Its getting to a point were my monthly wages are…
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£1 token payments 22 years later
Hi everyone About 22 years ago i lost control of my finances and set up token payments on £1 with my creditors There has never been anything on my credit file and i have not heard anything from any until today a letter arrived from cabot financial with regards to a barclaycard for £2000 The letter read You're still making…
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Debt Buyer - Next Steps?
I have received an email from a creditor to advise that it "has assigned all of its rights, title, interest and benefits in and to the Loan Agreement to Perch Capital Limited". I assume this means Perch have bought the debt. The original creditor doesn't have my current address, so I assume if Perch now try to contact me…
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Sorry Deleted.
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Credit report says settled but new company written
Hi all i have an car finance debt from 2022, we havent set up a payment plan and have only ever had statements from Moneybarn no default! I check our credit report regularly and in August 2024 it showed Settled at £0 i have just had a letter from Link Financial that Moneybarn had assigned the debt to them and a letter from…
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A muddle
Hello everyone, I could do with your advice. Sadly, I just lost my job - only recently moved to it and it really didn’t work out at all and we agreed to part ways, I am disappointed, and they were quite decent people, but definitely the right thing to do - the role was incredibly stressful to say the least and was not…
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Overdales Solicitors Refusing to accept evidance sent
I am at my wits end, 2yrs ago I received a letter from Overdales Solicitors, saying that I took out a credit card and used said card and failed to make payments! I of course knew nothing about this and thus contacted them to ask what it was all about, they said that a card was taken out in my name on a particular date and…
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A Muddle - Part 2
I think, by error - I posted in the debt free diary section and it should be in the debtfreewannabe section - would it be possible for it to be moved there please? Many thanks.
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Does a completed IVA need to be mentioned in a Will?
My father is about to make a Will. He entered into an IVA in 2016 which was completed in 2021. A certificate of completion was issued the following year. Does he need to mention this in his Will, and if so, would this impact his estate at all? Or, since it is completed, is it now irrelevant?
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.
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Most recent: NST September 2025: Keep It Simple! by apple_muncher
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