Debt-free wannabe

Hi all, This morning I received a letter from Resolvecall, apparently they've taken over a Capquest thing for me and they're going to attend my address if I don't contact them. The debt (Capital One) they're talking about is probably over 10 years old. I've had a Capital One account since with no problem and the balance…

So I am cozily in my self managed DMP, making a savings pot and all priority bills up to date. I currently have a HP agreement (which has just over 2 years to run) for a Hyundai i10 - which I use as a runabout. Stepchange were happy for me to keep and continue with this (when I was with them) I guess my roundabout question…

Hi all, Two of my defaulted loans have been sold to ACI, and I’ve set up a small monthly standing order to pay towards them. ACI are also acting on behalf of Castle Community Bank for a third loan, which has now defaulted but hasn’t been sold to them. I’m wondering whether there’s any reason not to start making small…

Good evening folks, I did post in the DMP thread but figured this is possibly worth having my own thread for, so here goes. This month is when I finally stepped back and took stock of my financial situation. Total unsecured debt is circa 70k across a couple of loans and numerous credit cards. I've been managing fine until…

To lay out the facts. Aged in 50s, forced to leave work last year due to declining health and stubborn employer. Live alone, I have recently been placed in the support group for ESA. Only 3% of people ever return to working from this group. it's highly unlikely I will be one of them, given my health issues (physical). I…

I am yet another who has been affected by Intrum chasing debts they are not allowed to enforce. I had a number of debts that became statute barred many many years ago and Intrum seems to have purchased them all over a period of time. It is the same cycle that I have seen others post on this forum after considerable…

I’ll keep it short and sweet! We’ve been given 7k unexpectedly as inheritance money - which we are incredibly grateful for. We have 7k worth of (interest free) debt on a credit card. I want to clear the debt! My husband (who relative kindly left this money to us) is worried we will clear the debt and get ourselves into new…

In a nutshell hoping for a bit of advice from those in the know. Credit card debt, at stage of vicious circle paying minimum payments. Had hoped for a loan to pay off cards but nothing doing there, credit history appears poor due to now renting and although always paid my way on time i am just in too much debt. Oh a whim…

I've been in my DMP for 3 1/2 years now, started with 22k, 16k has been paid off in that time. So in addition to this and a separate account I ended up defaulting on afterwards, I have about 7.5k to pay down. I finally decided to tell my parents about this and have offered to help using money they had saved for a house…

Hi All, I am looking for some advice, I'll be talking to Payplan and/or National Debtline too, but figured it couldn't hurt to ask here as well. Here is my situation: I have about £20,000 worth of debt, Credit cards, loans, store cards, you name it. I got into this situation after my wife became ill and was unable to work,…

Hi everyone, I posted a thread a few months back discussing my financial difficulties and the solution was to hammer my credit cards before the interest periods started. Whilst I have tried to do that, our mortgage has now gone up an additional £300 a month and we have had to replace our car. The interest free periods are…

Context: I left a marriage and the family home to create a new nest. My house of potential dreams has become a house of horrors financially - every problem that gets fixed uncovers more problems not known about, by the RICS2 survey or nest restorations. Financial separation and independence is not resolved, and the…

Hi is it possible to ask if you have a county court judgement from 2016 but not showing on my credit file 1) is it genuine 2) is it still liable any help please

Statement of Affairs and Personal Balance Sheet Household Information Number of adults in household........... 1 Number of children in household......... Number of cars owned.................... [b] Monthly Income Details[/b] Monthly income after tax................ 2160 Partners monthly income after tax....... 0…

Hi all, I currently have a few debts which have been a real struggle to pay back. I won't bore you with the details unless you ask, but to sum up the situation: 2 credit cards (AMEX, Lloyds) 10k 1 loan (Lloyds) 18k These are personal debts. I do have a LTD company debt as well but as that's not under my personal name, I'll…

On 30th Nov, this year, my 5 year fixed rate deal of 1.14% runs out on my current mortgage deal. The balance will be £24,400. The payment has been £822 a month. We have also been putting aside around £1200 a month into premium bonds that we've used for the annual 10% overpayment. This has also been building nicely and we…

So, I am currently in a DMP with StepChange and have been making regular payments to reduce mine and my partners £35,000 debt since May 2025.

Today is a big day as after much planning, scraping and changing of habits I finally paid the last of my credit card balances off! This means that as it stands I have 7 active cards with just over £15,000 available on them. I realised that although I have spent a great deal of planning and fretting on how to get the…

Hi all, I'm currently in the process of a DMP with stepchange. Total debt is 33k across credit cards & 1 overdraft. 1 of 4 has accepted the DMP 1 has declined and no reply from other 2 as of yet. I spoke to stepchange this morning who advised me to close my bank account with the overdraft as I can't have an DMP with one.…

Hi all, I’ve been reading lots of the posts regarding the above issue I have and just have a few further questions if anyone can help? I’m in a real mess. I have upwards on 50k on CC and loans. 2 maternity leaves and working part time for 3 years, as well as partner starting a business has really screwed us. i contacted…