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How Long Before I hear back from StepChange?
I made an application yesterday. How long before I hear back from StepChange? I am just anxious and I am needing someone to talk me through this. I am on the process of opening another basic bank account or using either Wise or Monzo temporarily for my salary to go into because I am scared it would go into my bank…
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Anyone from Jersey Channel Islands?
I have been searching for days and days about how Jersey is different from the UK in terms of options about going to a self-managed DMP or having a company like StepChange. Lots of users have given me info and advice but they are not from Jersey. I have tried Facebook, Reddit, but haven't found anyone who's experienced…
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View from the other side
Hi everyone, long time lurker, first time poster. I see such a lot of good advice on this board that I thought it might be slightly interesting (or possibly not, lol) to hear from the 'other side' of consumer debt. I've worked for consumer CC companies for well over 20 years now, from on the phones selling instant credit,…
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Time to change
Good morning all, Like many, I set a 2024 goal of becoming debt free. I didn't add to my debt (aside from interest accrued) but I am entering 2025 in roughly £8k debt, spread across paypal credit (4.5k), Argos (1k) and Next (2.5k). I'm getting by on minimum payments each month, sometimes a little more. I've been stuck here…
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Ex refusing to return car on finance
I was an abusive relationship and during that time I stupidly got car finance out for him. I didn’t for a second think I would be accepted for a £24000 finance seeing as I had just gotten car finance for myself a month beforehand. Why would they accept an unemployed mother two finances??? it’s not their fault I know that…
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Partial Settlement
Hi, Hope some can help. A friend made a settlement offer of £400 for an outstanding debt of £500 off a Barclaycard that had been passes on to Allied International Credit December 2023 They sent a letter stating they would accept the offer & mark the credit file would be marked as a partial settlement. . This is not showing…
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Overdales seeking debt from 2017
So long story short, in 2017 I had a mobile contract with BT, I used to travel a lot and BT claimed I once used my phone during one of these trips. Which I did not as I always swap sim cards on the plane. After refusing to pay the bill I left it at that. The last 6 years I have been out the UK and since returning last Sept…
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Moved: Tilly Tidy in 2025
This discussion has been moved.
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Debt
Hi looking for advice, I have stopped paying the debts on my credit cards and loans and im awaiting them to default on my account ive had a email today with a notice of sum of arrears attatched and they have said they will send to a debt collection agency they have left a email for me to email them .. ive checked my credit…
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Help with starting a DMP
This discussion was created from comments split from: DMP mutual support thread part 13 !!.
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DMP ADVISE
Hi , I am currently on a DMP. My partner lives with me but is on a very low Income so he contributes £500 a month to the bills. He is in debt also and after seeing my relief after arranging a DMP he is thinking this may be a good idea for him to do. All the bills are in my name so when doing his Incoming/outgoing can he…
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So my debt free journey has truly began.....
Hi all, I hope you're all well. After taking advice on here around 3 months ago, I decided to allow my debts to default as I could no longer afford to pay. It's looking like my creditors are now defaulting my accounts which is great I suppose although I'm now receiving text messages from "Wescot" asking me to get in touch…
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Arrangement to pay - Scottish Power
Morning, Earlier last year I spoke to Scottish Power as we were in about £1k of energy debt - issues with meter readings, direct debits etc ( long story). They were actually helpful and said that we could pay it back over time - they set up a payment plan and all was good. Last night I checked my credit file and noticed…
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DMP Problem
Hi, New to the forum, so bare with. I’ve been on a DMP for a few years not and I am about 75% done with it. However, I’ve made a really stupid mistake a few weeks ago. My parents are retired and they’ve asked me for a loan which they weren’t eligible for due to being retired I presume. They’d pay me back monthly and that…
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Newbie, please help? (SOA inc)
Hello everyone, I want to take control of my finances and sort myself out. I am currently in quite a bit of debt and unable to pay my monthly minimum payments. I have been lurking on the forum for a few weeks and have decided to stop payments this month on my *unsecured* debts (credit cards/loans/store card) so I can wait…
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HELP
Hi, Please excuse me as I’m completely out of my comfort zone, but I’m not not sleeping due to the worry of building debt. 😥 I have a credit card that is currently at 4,000 and my interest alone is over £100 a month, I can barely afford to pay over £100 but I make sure I do to avoid any further charges etc, this means I’m…
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Eon Next Default and Duplicate Account on Credit File
I’ve been checking my credit file and Eon Next have registered a default against my file for an overdue electricity account at my previous address. I have Eon Next my new address when I moved, and gave them the final meter reading and they issued a final bill, all of which I have email evidence of. However, the default on…
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0% debt management
I took a loan for 6k 18 months ago at 7.5%. I now owe 3k, if I settle. The question is Can I pay the 3k with a credit card and then transfer to a 0% CC, which has a 3% fee? Or is there a clause stopping regular debt being paid for with CC? If I'm correct and I continue to pay the same monthly fee (approx 185) then I should…
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Help gratefully received!
Hi all, first time poster as have rather buried heads in sand up until this point. Due to a variety of circumstances we find ourselves with a pretty huge debt and wondered your collective thoughts on the best approach. Have considered a DMP but worried about the long term impacts this may have, although appreciate this…
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CCA requests results
With step change since 2010 - learnt about CCAs recently so sent off for these - results are back for most . All debt been sold to other companies over the years 3 accounts from Link - unable to comply with request within 12 day time frame - although account unenforceable outstanding balance remains collectible 1 account…
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Most recent: NST December 2025 A Different December by Rowan9
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