Debt-free wannabe

Hi is it possible to ask if you have a county court judgement from 2016 but not showing on my credit file 1) is it genuine 2) is it still liable any help please

Statement of Affairs and Personal Balance Sheet Household Information Number of adults in household........... 1 Number of children in household......... Number of cars owned.................... [b] Monthly Income Details[/b] Monthly income after tax................ 2160 Partners monthly income after tax....... 0…

Hi all, I currently have a few debts which have been a real struggle to pay back. I won't bore you with the details unless you ask, but to sum up the situation: 2 credit cards (AMEX, Lloyds) 10k 1 loan (Lloyds) 18k These are personal debts. I do have a LTD company debt as well but as that's not under my personal name, I'll…

On 30th Nov, this year, my 5 year fixed rate deal of 1.14% runs out on my current mortgage deal. The balance will be £24,400. The payment has been £822 a month. We have also been putting aside around £1200 a month into premium bonds that we've used for the annual 10% overpayment. This has also been building nicely and we…

So, I am currently in a DMP with StepChange and have been making regular payments to reduce mine and my partners £35,000 debt since May 2025.

Today is a big day as after much planning, scraping and changing of habits I finally paid the last of my credit card balances off! This means that as it stands I have 7 active cards with just over £15,000 available on them. I realised that although I have spent a great deal of planning and fretting on how to get the…

Hi all, I'm currently in the process of a DMP with stepchange. Total debt is 33k across credit cards & 1 overdraft. 1 of 4 has accepted the DMP 1 has declined and no reply from other 2 as of yet. I spoke to stepchange this morning who advised me to close my bank account with the overdraft as I can't have an DMP with one.…

Hi all, I’ve been reading lots of the posts regarding the above issue I have and just have a few further questions if anyone can help? I’m in a real mess. I have upwards on 50k on CC and loans. 2 maternity leaves and working part time for 3 years, as well as partner starting a business has really screwed us. i contacted…

Hi all This thread has been so helpful, I'm in the process of starting a DMP and currently awaiting defaults on debts, including not engaging etc. in order to get defaults quicker. Updraft (Fairscore), one of the loan providers that I have 2 loans with have sent me the below email: Thanks for getting in touch and…

Hi all, I am in 40k of credit card debt and I have no idea how to get out of it. This is a plea for help. This is across 7 creditors with amounts ranging for £737 to £9514. With 0% offers ending, I am now paying £1200 a month. Albeit on an ok salary of £63,500 a year my wife is on a much lower salary, and living in London,…

I would really appreciate some help please. I have tried and tried to sort this myself but have no energy left. I'll explain the background… I am 57, have always been in full time employment until May 2025. I have 2 kids/young adults aged 19 and 21, one living with me, one at uni. I left an abusive relationship 5 years ago…

Hi, I have 47k of Credit card debt, that is currently about to come off its 0% deals. I was made redundant about a year ago and have been living off my the lump sum payment since then. Its down to 12k left, this is my only money, I can't get UC, I can't get a job. I am getting my DB pension next year of 20k per year + 130k…

A person known to me who has severe mental health issues, has received the attached letter today. They are under the Community Mental Health Team and a consultant Psychiatrist and have been hospitalised numerous times in the last 20 years, under the Mental Health Act. From the letter, on the face of it, they have not paid…

I have two defaulted Barclaycards which have been with PRA Group since early this year. Earlier this year I was advised by @sourcrates and others on a course of action. I sent a letter stating that unless they could provide proof of a CCA I would not enter into any further correspondence. I stated that I was aware that…

I am in the process of starting a DMP with StepChange due to juggling a high level of debt. My question is how will this affect my husband, we have a joint basic bills account with no overdraft and no joint debt. All of my debt is personal debt from loans and credit cards and I really don’t want to have to tell him about…

Hi there, I hope this post is in the right place? I would like some help. I really want to start tackling my debts. I am 27, self-employed with a rough income of £2500 a month. I had some issues the last few years, struggling with depression and addiction. This led me to borrow a lot of money that I didn't really…

First time poster here in need of some friendly advice. My VW car lease is becoming unaffordable for me. It’s a contract hire lease and is £564 a month. I’ve spoken to VW financial services and despite being just over half way through my 4 year lease term, the early termination quote came to an unaffordable £8.6k. What’s…

Hi all 👋 I am in the process of sorting out my creditors to eventually do a DMP. This will only be my first month of not paying, to await defaults. However, there are three payments I am unsure whether to pay or default on. The first one is Zilch. Like a credit card but I had to pay a fee to spread by installments rather…

Hi, I'm supporting my brother-in-law who has received a CCJ (judgement for Claimant - in default) and is currently unable to pay it. He has mental health conditions and generally very bad mental health, so hasn't been able to deal with this himself. I'm working on getting a Debt and Mental Health Evidence Form (DMHEF)…

Hi Everyone, Not been around for a bit, but today I have come home to a Simple Procedure Notice of Claim (Form 6a). We are in Scotland. Original debt is to MBNA - £2591.47, it was bought by PRA group and Brodies is the solicitor dealing with the debt. I have requested the CCA from PRA group, first letter they ignored,…