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…
As of March 2026, my total debt sits at just under £40,000. Most of this debt is now being repaid through a self-managed Debt Management Plan, where I make monthly payments directly to creditors or the debt collection agencies managing the accounts. Here is a full breakdown of the debts I am currently repaying. Current Debt…
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….
One of my debts is with a company called Virgin Mobile. Today I am making a complaint to the Information Commissioners Office because the information they are posting to my credit report is not correct. Currently Virgin Mobile are posting a six month late marker on my credit report, despite it being over two years…
Time for another debt balance update. This month the debt balance stands at £47,094.23. This is a decrease of £1321.19 which is some good progress. Still a very long way to go but hopefully this time next year we will reach the £40k mark. In terms of debts things have been quite quiet this month. Only…