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Letter received from Lowell (PayPal) – help and advice needed please
Hi all, First-time poster here. A quick background on my situation: a few years ago, being young and financially illiterate, I unfortunately got myself into default with PayPal. I started to repay this debt over the past few years and have now reached the point where I only have around £662.64 left to pay off. I was…
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How to manage Large Deb- (DMP)?
Hi, over time I have racked up a lot of debt (over 20k) between loans and credit card. I recently had to take a pay cut and struggling to keep on top of all payments. I don't have a partner or family to help and wondering what the best solution is to get on top of it all. I have been looking into DMP but hear this may not…
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My journey
So I have £18k of debt but so far this month I have made £65! £15 on vinted and £50 my opening a Lloyds basic account. I didn’t have to pay anything into it or anything. Just open a basic bank account with Lloyds. No need to pay in, set anything up move direct debits or anything like that. Easy Peasy! (Removed by Forum…
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Trying
Hi! So I’m really hoping for any help support and advice. I have found myself in 30k debt no job single mom this time last year I had job, career sone debt but manageable My mortgage is up for renewal at the end of the year and I’m hoping to get a job by then as I really also want to move. Moving will be a possibility with…
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Received court claim for a statute barred debt (Cabot / Mortimer & Clarke)
So I received court claim documentation for a defaulted debt from around 9-10 years ago. Mortimer and Clarke "solicitors" have recently started hounding me about it and sent the claim through the other week on behalf of Cabot Financial. I have never paid a penny to Cabot Financial towards this nor ever admitted liability…
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ACI email
Happy New Year. I'm new here, but I love listening to the weekly podcast. I just received an email from ACI informing me that I will receive a visit at my home because I owe over £500. However, I have not received any prior letters, only this email. I have a learning difficulty (Dyscalculia), and I am confident that I do…
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Lantern UK text
Hello , a work colleague has been getting text messages from Lantern UK. Asking for him to get in touch, they don't name him. They are also asking him to wattsapp them. He's an elderly gentleman and worries quite a bit, he says he has no debt. I've phoned lantern and they say they don't use wattsapp. Is this a scam ??
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Urgent Debt Advice
Hi all, new here so thanks for accepting. I am looking for advice please. I have around 35k debt and looking for best advice to clear. I am working full time and have no assets (no car I own or house. I live with partner and have a baby. The house is a mortgage in my partners name only and I just contribute towards bills…
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Debts and DV
Hi, it’s been a while since I’ve been on here but I really need your help. i have recently ended my marriage which included physical, emotional and financial abuse. I have been in contact with CAB, they say it will be hard to get any write offs due to financial abuse but they will try. My husband was in and out of work and…
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IVA or DMP ???
Hello, I am really struggling with debt, so cut long story short I have spoken to a debt helpline and they have offered me an IVA or a DMP. I did a budget with them and they have worked out i have £217 available to pay towards my unsecured debts each month. My unsecured debts add up to £1,300 per month! Total unsecured…
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Help, £35,000 in unsecured debt and drowning
It's really scary posting on here, but I'm in a snowballing amount of debt and need to make significant changes. I've been spending on credit cards to cover day-to-day spending, and I know that some of my expenses are far too high (for example, spending a lot on entertainment and eating out that needs to be massively…
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New Leaf for 2026 - Dire Debts
Hm, what is that saying? 'New Year, New Me?'. I need to change that to 'New Year, Better Finances'! Hi everyone! I am 29 and in a stinking amount of debt which I need to pay off. I am hoping this is a forum to keep myself accountable and if anyone has any thoughts or advice, they would greatly be appreciated! My parents…
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Responding to Kearns Letter - Link Financial
Happy New Year to you all. If anyone can advise, that would be very much appreciated. I received a Kearns letter while I was away for the fesitve period and just returned and have 7 days to return before their 30 day stipulated period expires (assuming this is not 30 working days which would give me another 2 weeks). I…
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Burnley Council chasing 10-year-old council tax debt
I’m sharing this because it highlights how councils can pursue people unfairly. Burnley Borough Council is chasing a 10-year-old council tax debt (£1,000). They failed to contact me for 4–5 years and part of the debt comes from a property I was illegally evicted from, where the council provided no support at all. At one…
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Wife death - Please help with where to begin...
My spouse has passed away suddenly.. The house we live (+-£175k if matching the last sale on our street of a similar one) in is in her sole name with a mortgage of ca.£28k. She has a life insurance which hopefully will be paid off that will only cover the cost of the mortgage and funeral. Also she has a few debts,…
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Double default same account AMEX
I've fought for years to get debt and default free with only 1 default (AMEX) left on Equifax and Experian. It's due off Oct 26. Im paying £25 pcm to them and not missed a payment even though its hard. I rang them today to ask if that amount could be reduced as Im almost negative £300 pcm on their own calculator. They sayd…
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Merged: Help with DMP repayment amounts
This discussion has been merged.
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Self DMP - first steps
I’m going to do a self DMP. I have been deliberating this for months but think it is finally time after having to continuously borrow to keep up with debts. I am currently not behind with any payments at present. I’m currently at about £36,000 in debt across numerous loans (1 x Plata, 4 x Zopa, 1 x Lendable), 3 credit…
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Help with Rundles enforcement fees
I had missed council tax payments on a rental property which was vacant, as the managing agent had not forwarded mail to us. The situation carried on for come months, as the property was empty due to a problem tenant. A liability order was issued and Rundles were appointed. I have just cleared the arrears on the council’s…
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Car...what do I do?...any advice
this is stressing me our massively and hope you amazing lot will have some advice. So Im on a DMP, been so for 6 months - all going well. My car is on ford options, its not included in my DMP - the PCP Options expires in April so I am at a loss what to do? I can give it back there are a few dents and knocks so i am sure…
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