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Struggling with debt? Ask a stepchange debt adviser a question
If you need help with your debts, this is the thread for you. This is a new thread, as the old one was getting a tad long. Trained advisers from StepChange Debt Charity are here and waiting to answer your debt questions. They're a friendly bunch so please don't be shy! There are three ways to get in touch: 1 - Simply post…
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DMP mutual support thread part 13 !!
Welcome to the DMP mutual support thread Part 13 !! Here you can find help in starting and running your DMP, self managed, Stepchange, Payplan and any other DMP all welcome here, but we do encourage you to use a free service, not one you pay for. There is help on getting interest and charges stopped, how to start with an…
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The Debt Free Roll Of Honour
Update December 2018. We started this Debt Free Roll of Honour back in 2006 and since then there have been some fabulously inspiring stories, which you'll see if you read below. To read the most recent debt-free announcements click the double arrow above to head to the last page of the discussion Back to Martin's original…
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Charging Order? The myth
I feel that this is so important that I thought a new thread should be made to highlight the importance of understanding the law on Charging Orders and how many people are stuck with their property in the false believe that they have had a Charging Order put on their property. In particular the thousands of Northern Rock…
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NEW POSTERS LOOKING FOR DEBT ADVICE - READ HERE FIRST BEFORE POSTING ANYTHING !!!!!
People post on this board looking for advice on many different debt topics. However its sometimes difficult to post in the right place, so, if you are wanting general advice from our panel of regulars on your debt issues, and how to go about solving them, you create a new thread using the big red "create new" button, top…
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Reclaiming money back from various payday loan companies
Hi all just wanted to share some good news regarding payday loan companies..... From early 2011 until mid 2014 I too was caught in the payday loan trap, all my own fault may I add, I borrow the money and in the end paid every penny back, would estimate 15000 over the years maybe 20. Early this year I saw all the news…
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In Debt and Wannabe Debt Free? first Steps to take are here, please read, then ask questions.
This thread provides guidance about some good first steps you should take if you are in debt and want to get debt-free. It doesn’t matter how big or small your debt is, or whether you are comfortably paying your debts and looking for advice on where to cut back further or struggling to cover your basic needs - we are here…
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Pls remember Debt-Free Wannabe's for support and help not judgement
Martin (Lewis) made the following announcement a few years back. But the link in the stickies is broken. Anyhow, here is what Martin said: "Dear Money savers..... Debt Free Wannabe is one of my favorite boards on this site. It's also one which runs a delicate balance. Many people who have serious debts have hidden them for…
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DFW Sticky-Provit/Statute Barred Letters, Defaults, Mental Health Help and Guidance, all here.
Debt-Free Wannabe Sticky - Please read for links to important topics and help Hi folks :) This is the Debt-Free Wannabe Sticky where links to all current important tools and information will be posted. Links: (1) Those who are new to debt, and want to know where to start, check out these first steps :…
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Statute barred debts and the Limitation Act
Statute barred debts and the Limitation Act Statute Barred debts. A debt will be "Statute Barred" if there has been no acknowledgement of the debt by you making a payment or in writing within the relevant limitation period. The debt would then be legally UNENFORCEABLE, unless the creditor has already taken legal action…
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Tired of just getting by
Hi everyone, I have been steadily racking up more and more debt since leaving university. I am from a low income background and at the end of my degree I didn't have the option of returning home as many of my cohort did. I was thrust straight into private renting with no understanding of council tax, income tax or anything…
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Got myself in a right mess!
Hello all, I've got myself into approx £45k worth of unsecured debt over 1 loan and 5 credit cards. I'm not currently in any arrears, and 3 of the 5 are on 0% interest at the moment. Due to some changes at work, I can see this spiralling out of control. I've entered all my details into stepchange who advised a DMP over 8…
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Statute barred debt for a deceased relative.
Sad News. My family member passed away last Monday. When I visited him a couple of weeks ago, I found a debt to MBNA for around £16k for an account opened in 1997. He had very bad dementia and he has debts to water, electric, council tax and this credit card. As a single occupant vulnerable person, he should not have been…
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Urgent Debt Advice
Hi all, new here so thanks for accepting. I am looking for advice please. I have around 35k debt and looking for best advice to clear. I am working full time and have no assets (no car I own or house. I live with partner and have a baby. The house is a mortgage in my partners name only and I just contribute towards bills…
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Lowell letter advice
hi all I am on a self run dmp plan. Lowell just sent me a letter saying may send someone to the house. Do they actually do this?
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Lowell threatening with 4 months until statute barred
I defaulted on a credit card in July 2020. Lowell have bought the debt and have been ringing, texting and sending letters. Today I got a letter saying if I don’t get in touch by 1st April they will send a field agent to my address. How likely is it that they’ll do this with 4 months until it’s statue barred please? What is…
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Help required with large Persistent Credit Card Debt. Have had a recent first Default.
Hello Debt-free wannabe's, I am new to the Forum so just wanted to say hello first before posting anything in detail. Just wondered if you would be ok with me listing details of 6 of my credit cards and one loan? Thanks, M
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Very new here, not new to debt
Hi, I think my situation mirrors a few people, high debt, not told my partner etc. I have 40k in card debt. I have a loan and a loan that due to finish in 6 months with my parents. My outgoings and card payments leave me about £300 short a month. I earn a decent amount which has helped and hindered me having to do…
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CCJ for ex-landlord's council tax. Help filling out an N244
Hey hey, Got an email from a debt collection agency that had a CCJ attached to it with an old and wrong address. This is for an alleged council tax debt of 1,200, relating to student accommodation I rented in 2022, long story incoming: I've lived in this room in a 4-bed flat in Wales as a student and was exempt from…
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Vanquis default - had no idea until I saw it on ClearScore
I need some advice I’ve been making temporary arrangements with a few of my cards whilst unwell multiple chronic illnesses I missed two on Vanquis and was £30 in arrears . I’ve been in touch and now back up to date . This morning I’ve noticed a default on my ClearScore saying added January is there anything I can do as I…
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Confused
so I'm wanting to pay off some debt with a Jaja balance transfer card I've been offered a 0% intrest 0.99% fee for 24 months I need to pay Currys creation and very which are both coming to an end I will pay these on my virgin % on purchase for 12 month the do a balance transfer to the Jaja will I be charged intrest on the…
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Elderly person's debt
Elderly person has a account with overdraft, which is constantly in a massive overdraft paying around £400 interest per month. There is another account where pensions and benefits go in, which is also using overdraft. Power of attorney is in place, and there were attempts to sort it out, interest frozen for awhile with…
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In debt trouble and would appreciate any help
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…
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DMP advise
Hi I have recently come out of a 10 year relationship and managed to get my debts down quite significantly but I am struggling as a single mother of two to do the final 15 grand totalling interest etc I am thinking a DMP is best route. I have 1 x large loan £13,500 2 x payday loans £1000 3 x credit cards £1550 I havent…
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D(MP) Day! 1st July 2025
Hi everyone, First of all, a massive thank you to: * Everyone who has shared their experiences with debt – it’s incredibly reassuring to know I’m not alone. * Everyone who offers advice and support – this forum has been a godsend. I’m currently dealing with around 46k of unsecured debt: * MBNA Credit Card – £17,000 *…
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Whatsthecost
I have used whatsthecost.com" for snowballing credit card debts, however I am getting a "service unavailable HTTP 305 this service is unavailable" Looking for an alternative which is as easy to use. Looked at lemonfool but I can't seem to figure it out. 😕
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Email stating Court action imminent
Hi, I stopped paying my debts late last year. All my accounts have defaulted and I have been paying £20 per month on the same date to credit cards and £35 per month to loans to clear £38k debt. (including these two companies mentioned) I have never contact my creditors other than by email to say what I would be paying and…
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17 year old CCJ
So years ago we got into a lot of debt and in 2009 Northern Rock PLC got a CCJ against us. In 2015 we entered into an IVA but the next year it failed (they were taking all the money for themselves and only paying each creditor a few pounds each) so slowly each debtor came back to us and they were much more amicable and…
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Move PCP to 0% Credit Card?
I have overpaid my PCP as much as I can with the pop company. £75 a month interest is the minimum I can leave it at with a £9750 balloon due Sept 2029, 9.9% APR. Settlement figure £9850. I have Lloyds Card £15k limit with an offer of 5.9% No Fee Money Transfer. I am tempted to move 10k to my bank account, pay off PCP and…
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Self managed DMP advice
Hello, Wish I had found this site before but we learn! I’ve been in a DMP since December after panicking and going with a managed company who charge £50 a month. I’m now feeling much clearer after having time to really review my options and would like to go self managed however the company are warning that the chances of a…
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