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Panicking
My partner went to cap over a year ago. They took all his info and suggested an rva, however they then said they were too busy and refered him to moneywellness, however over a year later we are still waiting. They keep asking him to upload more info, now the cap referral is out of date and all the time the debs keep…
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Council Tax / Attachment of Earnings
Morning all - advice needed on how to proceed if possible please. Got behind with Council Tax over the last period due to moving house etc. Received a summons at end of December and a request for breakdown of earnings. Sent that through and after back and forth with the Council - it was agreed by them they would pass this…
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DRO/IVA/Bankruptcy advice
Hello I'm desperately trying to get some advice DRO/IVA/Bankruptcy having gone around in circles! After speaking to Step Change, I was advised to take the option of a DRO to clear my debt. However, when speaking to Money Wellness (the company Step Change advised I speak to to arrange this), I was told that I wouldn't be…
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How to cope with debt mentally?
I worked every day including weekends to save £40k (£15k from investments) over the last year. Having saved £40k and ready to put down for a deposit, I had a manic episode where I lost all £40k, and took out a £25k personal loan and lost that too. I pay £615 monthly interest on the loan, I make £3,300 after tax and live…
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Help required with debt issues please
Hello all, I have a diary on the DFW board but was advised to post SOA here as get more advise. If you want the background please go to DFW diary, basically breakdown of marriage, lots of bereavement and major health issues for DD. And also me being too nice and helping people out with money and situations and now it has…
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WIll PayPlan wait to start DMP?
Was planning to let accounts default first because starting payments for DMP with PayPlan. Currently talking to an advisor and they are getting initial information from me. I think I already have a couple of missed payments in January. Not planning to make any more payments this February. And also for a few months until I…
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Considering a DMP
This discussion was created from comments split from: DMP mutual support thread part 13 !!.
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Advice from Your Experience ?
Hi, I am wondering if anyone can advise me from experience how they have managed to pay off their debts... It may not sound like much to some and i know that people are worse off than me but, I have £8727.81 of debt and its keeping me awake at night time. I have very 3 young children whom are missing out due to me having…
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Starting the process advise - SOA
Hi, I have been lurking on here and reading all the advice and experiences of DMP and am slowly accepting that I need to do one for myself. My question is, my husband and I have a joint mortgage and joint secured loan. Every part of our finances we manage jointly, from bank accounts to household bills. We have credit cards…
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Preparing for self managed DMP
Hello, just thinking about this point in the instructions from this forum: "It is sensible to open a bank account unconnected with any of the banks that you hold debts with and move your pay and priority bills (mortgage, council tax, etc) to this new account to avoid your bank using your pay to pay your non-priority…
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Council tax court summons for debt included in an IVA
I’ll explain this the best that I can but it’s a bit of a mess really! Completed and had an IVA accepted 8 months ago.. this IVA included £1800 debt of council tax. No further letters and I thought everything was going well until I received a court summons for the magistrate courts from council tax. Since the IVA I have…
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Advice re debts please
Hi i have two questions re my debts. first is Lowell keep chasing me for debts i had with Barclays Bank from 2010, there was 2. They phone and write and email me. I haven’t made payments to one but I did to the other anfter they kept contacting me, I stopped payment in November 2023. Also I stupidly got in to debt again…
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Moved: Drowning in debt, high interest mortgage and no income
This discussion has been moved.
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Merged: What to do while waiting for each debt to default? Worried about Community Finance
This discussion has been merged.
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Sanity check my plan please. Currently on Maternity leave and panicking about life and finances
Hi everyone, I have been lurking here for a while and found some excellent advice. I was hoping someone can also advise on my situation as I am now in a situation where I can't afford all my minimum repayments for unsecured debts. I have posted my SOA below. This is my current maternity leave income + my share of the…
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Cabot financial want to send company called Orbit to my door
Really hoping someone can help please. I have had Cabot financial calling me I have not answered as they call during the day when I’m sleeping as I work nightshift. Now I’m getting messages from a company called orbit saying if I don’t contact Cabot that Orbit will send someone to my door. I’m in complete meltdown mode.…
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Bailiffs, help!!
Hi, I had a ccj sent to my old address luckily I was given the letter and I paid it within 14 days. I paid the company in full however 2 days later I received a letter saying the bailiffs were going to come to my house, I rang the company and asked them if they could get in touch with the bailiffs to tell them that I had…
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Charging order restriction.
Looking for some help advise of anyone please. I'll start with my debt issues 28k over 6 CCJ's 4 of which have charger order restrictions on them. CCJ's payments are all upto date And they were issued approx 2 years ago. Now my story For the last 7 years me and my partner have been going through hell basically. First 4…
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Debts of £35k Wiped
Last October my brother-in-law mentioned that he was getting loads of text messages asking him to increase the money he was paying the debt collection companies, and it was causing him great anxiety. I do have some experience of dealing with debt collection companies from years ago – I asked him to share what they said he…
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Credit card debts
Hello. I hope that I am asking in the right place? I am self employed and currently have approx £25,000.00 in credit card debs with 6 different cards. This all came about after my partner suffered an awful illness and neither of us could work for a long time. I have been making the payments ever since (6 years now) I have…
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