New payday loan regulations come into force

This is a duplicate of the Blog Entry made on: 31st May 2017 09:32
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Hi all

I am currently in a DMP with stepchange and one of the members of MSE forum advised me to join this forum to check whether my agreements were enforceable. I believe my credit card will be however I am unsure about my agreement with ratesetter.

Is there anyone who could...

Hi guys and gals

After a lot of researching and googling, i have decided to make nest on AAD

I will list my debts soon, but to summarise i have 8 debts totalling around £35,000 (Eeeek!). It was £42,000 but i was diligently paying into a DMP via Stepchange for the last...

Hi all, ok I'm new here so please bear with me.
I entered a dmp with stepchange in December 2013 as my debts were running away with me and have been faithfully sticking to the repayment plan ever since plus increasing my payments when I could.
I had a letter from BarclayCard on Friday...

The 'gift' from your credit card that pushes you into debt

This is a duplicate of the Blog Entry made on: 3rd June 2016 13:58
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Hi

We, as a couple, have about £85k of debt. We have been with Stepchange for one year and have just moved to self-managed. We decided to CCA our one credit card which pre-dated 2007. Their initial response was a load of rubbish with current T&Cs. We went back (advice from the brilliant...

Energy firm pays £450k to StepChange

This is a duplicate of the Blog Entry made on: 16th October 2015 16:01
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ive been in dmp since May 2014. Owed debt approx 21k 10 creditors. I've recently changed jobs and have substantial increase in salary. I am really worried and stressed that when I come to my review stepchange will take all the additional monies from me and I will be left again with very little money...

Updated Tesco 17/1/18

Background: My DMP of 2 years ended due to missing payments, planning to go self-regulated DMP if all debts (approx 15k) are enforceable.

• Type of account Tesco credit card
• Date commenced 6/1999
• Approx balance £4500
• Date last paid July 2012
• Are you on arrangement

...

Hi guys,

For some reason MKDP (DCA from a Barclaycard CC I had) have listed an address on my CR without me even living there. I've never lived there or had an electoral roll application there. I've asked Experian to remove it but MKDP have said it's accurate and are refusing to remove it,...

StepChange challenges incoming government on debt

This is a duplicate of the Blog Entry made on 8th January 2015 14:35.

StepChange Debt Charity has called on the next government to commit to an ‘Action Plan on Problem Debt’ to tackle the UK’s £168bn consumer debt......

Sorry, was not quite sure where to put this!

Anyway, been a long time since I have been on here. Currently still waiting on PPI claims being dealt with by the Ombudsman, has been more than 2 years now for one of them!! so nothing to tell there.

Brief history of where I was...

Hi, a friend received a CCJ claim form from Npower which he sent back with his budget, prepared by Stepchange and showing he could afford just nominal payments (£5) on a £572 debt.

He did not receive a court date.

Today he received a judgement dated 5th December. The...

Hi this is a new thing for me so hope I have everything ready to start up

Original creditor Capital One

• Type of account Credit Card
• Date commenced
• Approx balance £6992.45
• Date last paid 27/10/14
• Are you on arrangement or not paying DMP with Stepchange
• Status added

...

Hello,

It's been a while since I've been here as everything went all quiet, but then 1st credit Finance Ltd has sent a notice of issue of warrant of control to me, informing me that unless payments of £3560 Credit Card debt are made by the 10 Days (12th Oct) the bailiff will call and MAY...