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Dealing with £39K debt
Hello all, I built up debt over probably the last 2 decades, sometimes paying off, but then getting more credit. As the years went on and my wages increased I ended up taking out larger amounts of credit feeling I could handle it as I was always making the payments each month although increasingly this became the minimum…
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Link Financial - Reducing Payments
I have a change in circumstances coming up so am in the process of trying to reduce all my payments on the debts. 5 are with Link and 1 with Intrum. I called up Link to ask them to reduce the payments to and they basically said they wouldn't do it unless I filled in an expenditure form. I said I saw no need for that as I…
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Why is it so hard!
I just want to vent/rant to people who will honestly get it! Im working hard at paying back my debts, (I've paid back around £5000 in the past 12 months, £20000 still to go) sticking to a budget, doing everything thats on my plan but at this time of year with a school trip every bloody week, the summer social invites and…
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Messed up to the sound of 23k worth of debt
Where to begin. I never thought I'd be in this position so I'm sorry to add another thread, but I need to own up and unf**k my finances. There's no point going through the details of how it all started and every knee-jerk reaction since, because the numbers don't lie and it's now killing me to the point it's affecting my…
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Arrangement to pay
Hello everyone. I have been dealing with debt and with the help of reading through the forum I have managed to set up a self managed dmp with all but one of my creditors. I got all my debts to default first before setting up payment plans but today i noticed one of my debts on my credit file has changed to A - arrangement…
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How to move forward
I have approx 40k plus of debt, I’m struggling with my mental health and I feel like I can’t cope anymore. Am I best to go via a DMP with step change? I’m so overwhelmed and I don’t know what to do.
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NOSIA while awaiting CCA request
Looking for some advice please, My husband and I requested 5 x ccas from link the end of March after paying for over 3 years through a dmp and requested account on hold until received. Dates due on portal changed to June so seemed to be on hold. Recieved ccas in May that didn't seem compliant so sent 5 x disputes. 1 of…
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Statutory Legal Audit Plan (Debt solutions)
Has anyone heard of or had any experience with these as a debt solution? Thanks in advance.
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For info: You can now access your Experian Credit Report - for free on our app
Received this email download app and can access report. Take a look at your Experian Credit Report,
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changes.…
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What to do (looking here also to see if anyone can help)
Right this is so hard for me to have to write but here goes… and any help or guidance would be greatly appreciated!! So I have had ( and relapsed) a gambling problem. I’m a single parent with 4 children. I work part time and always have. This battle has been going on for years but iv always stayed above water with help…
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Vanquis Loan sold to Antelope Loans
I am currently in a self managed DMP. I had a loan with Vanquis, which I stopped payments in October 24, this loan then defaulted in January 2025. I have not been chased for this debt, so had no arranged payments. Today I have received an e-mail stating that my loan has been sold to Antelope Loans (Alive No.1). This does…
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Debt Help Please
Good Morning All. New user here. So I have 20k of loans and credit card debt. I basically enjoyed my youth. Went on nice holidays. Brought Nice luxuries etc. Got the 0 percent offers on cards etc. Also lets say due to ADHD got addicted to taking more and spending more then I have. I have a done a DMP before tbh and all…
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Precarious Position After CCJ set-aside
Hi all, I had a CCJ entered against me last year for a £430 Capital One debt (now owned by Lowell, with Overdales acting). 2 days ago I had it set aside under CPR 13.3 due to exceptional circumstances (I was in an abusive relationship and didn’t receive the claim, and the debt was accrued under coercive control and…
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HSBC/Wescot
My HSBC CC debt defaulted a couple of months ago and was passed to Wescot…I set up a standing order for £5 a month, which they have accepted and said it will be reviewed in 6 months. i have only made 2 payments (debt is £4,500). Surprised to have received a letter from Wescot asking me to get in touch about a reduction…
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Savings or debt?
Hi all, First time posting and looking for advice with debt vs savings with a view to trying to purchase a new car. We have around £10,500 in debt 1. £3400 on c card with 8 months interest free left (£100 repayment a month). 2. Interest free sofas £1600 (no repayment currently but putting money aside each month so we have…
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Lendable - we’ll visit your home next week. What next?
Hi, started self DMP and waiting for loans and cards to default but only been 2/3 months yet so none have yet. I have 2 lendable loans and missed 2 payments on both. Had no phone calls just a weekly email and weekly text. I have received this letter below. I’m presuming with them saying wont take payments they aren’t…
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CCA Statement of account?
Hi all please can you help? I sent cca requests at the end of March. Link sent a hashed together agreement with the wrong address and no statement of account. This was for a credit card. I thought that to be compliant they needed to send a statement of account to include what was taken out, what is owed and what…
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No choice but to consider DMP - help appreciated!
Hi, I have been reading advice on this forum for a while and I've realised that despite trying for years to repay my credit card debts I have actually just been treading water at best and now more recently getting further into debt month by month. It has been a combination of everything being more expensive post pandemic…
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Iva or Dmp
Hi! I am new to the community and badly needed help and support. I work as a part time NhS staff and then my husband and I share a LTD company for agency nurses. Last year was really good but agency shifts nowadays have dwindled down to none. I am in need of advice if I go with Dmp or Iva. I spoke with payplan and SC.…
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Searching for a Debt Free Happy ever after
Morning! I've been reading some diaries and lurking for a while and am taking the plunge to make changes for my family and to get debt free. I don't want to make too many excuses but at 40 years old need to start to take charge. I'd really love help and advice too with how to tackle things. I have a gorgeous husband and…
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