This section covers all the stories related to my personal debt repayments. Interesting if you want to learn more about my debt struggles.
Debt repayment is rarely a straight line. If you look at social media or personal finance blogs, you’d think people wake up one day, make a budget, and magically clear £30,000 of debt in 18 months while drinking homemade smoothies and feeling spiritually fulfilled. Real life is messier than that. This post is a transparent…
Debt can creep up slowly. A missed payment here, a credit card balance there, and before you realise it, your credit file starts filling up with red markers that lenders politely call defaults. Over the past few years, that’s exactly what happened to me. At one point, my credit file ended up with six defaults…
As alluded to in my about page, my debt problems returned last year and is the whole reason this site exists again. It has been over a month since I last posted on the blog so I thought it was time to update you on how I am managing my debts. It has been nearly…
I was weighing up whether I would carry out a Voluntary Surrender of my Car on Finance. My car finance is one of my many debts. This debt is up to date and not in arrears. To anyone looking in from the outside, this debt appears to be a healthy and normal loan being repaid…
I received some fan mail today from HL Solicitors. They are responsible for collecting my debt to Virgin Mobile who I currently have a complaint against regarding the personal data they are providing to my credit report. For some reason HL Legal said that I had failed to adhere to the payment arrangement on the…
A couple of days ago I received a text message from a company called CSL. I instantly assumed they were a debt collection agency but I wasn’t completely sure who they were or why they had contacted me. Text messages seem to be one of the ways debt collection agencies like to contact debtors now….