My complaint with O2 has now been running for around two years. What started as a dispute involving device plans and account handling gradually became a wider complaint about how O2 responds when something goes wrong. The original issue was serious enough on its own, but the length of time taken to investigate it, the…
Buying a home was not something I decided to do overnight. The journey began several years before I submitted a mortgage application, largely because I could see the direction of the private rental market and knew that my family’s position could eventually become uncertain. We had lived in the same rented house for around 14…
After several months of waiting, my affordability complaint against Lendable has finally reached its conclusion. The Financial Ombudsman Service (FOS) has issued its final decision and, unfortunately, my complaint was not upheld. While this wasn’t the outcome I had hoped for, I think it’s important to share the result just as openly as I’ve shared…
Looking at a debt repayment plan account by account can be deeply discouraging. One creditor might show five years remaining. Another might show eight years. A low monthly payment on a larger balance can make it appear as though the debt will follow you around for most of the next decade. That is exactly what…
If you’ve used payday loans in the past, one of the first questions when applying for a mortgage is: “Will this stop me getting approved?” The honest answer is: it depends on when, how often, and how recent those loans were. Payday loans don’t automatically mean you’ll be declined, but they are a red flag…
As of June 2026, my total debt now sits at £36,760.74 before June’s payments. After making the June payments, the total balance reduces to £35,749.42. Most of this debt is still being repaid through a self-managed Debt Management Plan, where I make monthly payments directly to creditors or to the debt collection agencies managing the…