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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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DMP, defaults and mortgage renewals.
Hi First time poster, lurking solidly for last few monts. Have £34,000 of credit card debt over 5 cards. Have been mostly getting on "ok" for last 20 years, mostly bouncing on 0% offers, never missed a payment or been late. All 0% offers seem to have stopped though Tesco and Virgin have offered for 10 months both are…
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Is defauting on loans the way to go?
Hi all, I have several debts that, along with my priority bills, leave nothing to be able to do either snowball or avalanche approacahes, as there is literally no available cash, and if anything, I'm now dipping into my overdraft regularly. I have decided to default on two loans - one for £9k, and one for £5k, of which the…
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How long after stopping paying do I have to save an emergency fund
Hi guys quite daunting for me at the moment as I have 25k debt and I have stopped payments just this month. My question is how many months do I have before I should set up a dmp? I want to save an emergency fund, I was thinking like 3 months that will let me save about a grand. I’m a bit worried about it all now like the…
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Time taken from INTRUM to Perch ACI to Perch Verify to Perch TM Legal on Statute Barred Debt?
As I have mentioned before Intrum bought up a load of Statute Barred Debt, it would be totally absurd for them to even attempt to pretend that they did not know that it is Statute Barred and I am preparing a nice little file for for the FCA (widespread practice) and FOS to hopefully finally get the FCA to withdraw the…
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DMP - is that it?
Been reading a long time some wonderful advice on here which directed me to Step Change and a DMP. It definatley feels the rights step. Just seems a bit strightfroward....do I just cancel by DDs and send my payment to StepChange and thats it...????
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Please god help, 60k in debt and feeling suicidal
I have the following debts MBNA CC- 9286 MBNA Loan - 9193 Barclaycard CC -14,094.50 Natwest CC - 19,719 Virgin CC - 4811 Very - 2750 I have used up breathing space of 60 days with all of them apart from Virgin & Very who i am managing to pay £50pm each to & have not gone into bad credit with them yet The rest are in the 2…
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Lowell want partners earning details?
Hiya, do I have to give my husband's financial info to Lowell? It's for a debt that defaulted in 2020, solely in my name, husband is not happy with them asking for his information when the debt is only in my name. He works, I am a carer for our autistic son and don't work, also with my own disabilities, so my personal…
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Full and final settlement help thread
Hi all Am currently trying to negotiate with debt collection agencies, to get them to accept a full and final settlement figure. Does anyone have any tips on persuading them to lower their demands? Thanks
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Checking In before starting my Diary
Hi, Found this Debt-free wannabe while searching internet for solutions to my rapidly spiralling situation. I wish I had found it before.... My first Credit Card payment got bounced by my bank this week for insufficient funds. :( I could have made the payment JUST but did not realise I did not have the funds in the Bills…
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DMP or not to DMP.... that is the question.
Hi everyone So like most on this forum I need some advice around debt and what to do with them. I work full time and am on a fairly good wage but instead of enjoying this, I was an fool a few years ago and spent more than I earnt, I did however have a very very good time :smile: So I have completed a SOA off Lemonfool…
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Paypal Credit default but no letter received yet
Paypal Credit has reported default on my credit report but I’ve received any letter from any debt collector or third party about making payments. Should I contact PayPal credit or wait to receive a letter about making payments. Many thanks in advance.
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HSBC credit card default question
This relates to my existing HSBC Credit Card that went in default Sept 2022. Mar 2024 During a review I informed HSBC I would stop paying £50 pcm towards a previously agreed plan. My circumstances had changed and I could no longer afford the previously agreed payment. (payment was goinmg towards increased rent) March 2025…
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Laying it all out is scary but I know I need to make a change…
I’m sick to death of being sick to death. Through a number of really dumb decisions I’ve found myself in a rather significant hole. I take full responsibility for ending up where I am and absolutely will get this sorted once and for all. I’ve not only had my lightbulb moment, the bulb has smashed over my head! I’m going to…
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Being Chased for a really old debt(s)
Morning All, After a little help. A few weeks ago i received out of the blue a txt message from a company call Perch Verify stating i must con tact them, it had a reference number on it and thats it. Assuming it was span i ignored. I then last week received as letter from them claiming to act on behalf of ACI and debt…
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Amex refer debt to NCO and now Brachers LPP
I have missed payments since January 2025 with the view to defaulting. Amex referred the debt to NCO in April and I ignored their calls and emails. I had a random call from Brachers claiming to act on behalf of Amex. They asked me if I could make payment and I replied that no but they should send any correspondence to me…
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Lease payment for solar batteries
This discussion was created from comments split from: DMP mutual support thread part 13 !!.
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