This section covers all the stories related to my personal debt repayments. Interesting if you want to learn more about my debt struggles.
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…
Debt consolidation can sound like the sensible option when your finances are stretched. One loan. One monthly payment. Everything tidied up neatly in one place. That is often how these loans are marketed, and in some situations debt consolidation can genuinely help. But it can also be risky, especially where the new loan is expensive,…
Checking your credit file is one of those things that is easy to put off. You assume the information being reported is correct, especially when it relates to accounts that have already defaulted or been passed to a debt collection agency. But my experience with BetterBorrow, Chetwood Financial and Cabot shows why that assumption can…
If you’ve recently had a letter saying your BetterBorrow debt has been sold to Cabot, your first reaction is probably something along the lines of: “Great. Who are these people and why do they now own my problem?” I’ve been there, so here’s a clear breakdown of what it actually means and what you should…
If you’ve ever had to deal with incorrect information on your credit file, you’ll know how frustrating it can be. What’s worse is when the issue has already been investigated, a resolution agreed, and yet the errors continue anyway. That’s exactly what happened in my case with Lloyds Bank. I wrote about my complaint to…
Affordability complaints are often misunderstood. A lot of people assume that if a lender checked your income and ran a credit check, then the lending must have been responsible. I used to think that too. But my experience with Lendable shows why that isn’t always the case. The Loan In April 2025, I took out…