Online Debt Help

If you’re worried about money get online help now using our Debt Remedy advice tool.

What is Debt Remedy?

Debt Remedy is an online debt solution tool that works out your options based on your budget. It’s free, easy to use, only takes about 20 minutes to complete and you don’t have to give your name.

What you do:

  • List your income and outgoings
  • Debt Remedy then budgets priority payments like rent and bills (including arrears) so the most important payments are being covered first
  • Then it gives you a personal action plan to deal with your debts and clearly explains the next steps you need to take

Can I still speak to someone?

Yes. If you get stuck during your Debt Remedy session just call in (8am to 8pm Monday to Friday) and ask one of our online advisors (anonymously).

And if you’d prefer to do the whole process over the phone you’re welcome to call us and speak to a debt advisor.

Debt help on your phone

Debt Remedy will work just fine on a mobile phone, but it usually takes about 20 minutes to complete, so you may prefer to use a larger screen.

Start Debt Remedy »

Debt guides and videos

We have a range of debt guides and short videos to help you if you’ve got a debt problem. They’re available from the StepChange Debt Charity website or on our MoneyAware YouTube channel.

Read our guide to personal bankruptcy

Read our guide to debt management plans

Read our debt advice guide

Read our individual voluntary arrangement (IVA) guide

  • moneyaware

    Hi James and thanks for your question.

    If you haven’t made any payments to your debts for over 6 years and you don’t have any CCJs, it’s likely that your debts are statute barred.

    You can read our step by step guide to statute barred debts for more information on what to do next: http://moneyaware.co.uk/2013/10/statute-barred-debt/.

    I hope this helps,
    Pavan

  • moneyaware

    Hi James,

    If it’s been over six years since you last made a payment on these debts then they’ll be statute barred. This means that they can’t be enforced through the legal system (meaning they couldn’t try to put a charge against any property in your or your wife’s name). You can read more here: http://moneyaware.co.uk/2013/10/statute-barred-debt/.

    The above is based on the assumption that you are based in England or Wales, the rules are different in other countries.

    If these debts are statute barred then it’s likely that there’ll be no information on your credit history about them. Nothing stays on your credit file for longer than six years, so all the old information will probably have dropped off.

    I don’t think there will be a way to get a copy of your credit history without disclosing your address details. All the services I’ve seen need your current details to work.

    All the best

    James

  • Danny

    I have received a court claim form for a debt that is nearly 5 and a half years old. I am wondering if it is possible to offer a full and final settlement to stop it from going to court any help will be great.

    • moneyaware

      Hi Danny and thanks for your question,

      You can contact your creditor to offer this but at this stage they may only be willing to accept the full amount. It’s worth a try though.

      Kind regards,
      Pavan

  • moneyaware

    Hi Paul and thanks for your question.

    By the looks of it they haven’t stopped trading but they’ve
    just stopped offering payday loans to new customers. The debt still exists so if you’re unsure about how to make a payment just give them a call.

    Thanks
    Pavan

  • Alison

    Could someone help me please?
    I have a four defaults, two of which have disappeared from my credit file but I have received a letter from a company called Lowell Portfolio today saying they now own the debt.
    I can’t afford to pay it off totally but as this has now been removed from my credit file is it right that they are still chasing me for the money?

    • moneyaware

      Hi Alison and thanks for your question.

      The debt may still exist but if it’s been over six years since you acknowledged the debt or made a payment, then the debt is legally
      unenforceable. This article explains this in more detail: http://moneyaware.co.uk/2013/10/statute-barred-debt/.

      If you want to repay the amount outstanding you can offer them a monthly amount that you can realistically afford.

      I hope this helps,
      Pavan

  • amanda

    hello,

    Back in 2008 i took a loan with alliance and leciester for £9,500. i was then unable to pay my loan from the end of 2008. they were chasing me for a while and then passed it onto a debt collecions agancy who in march 2009 sent my solicitor who was helping me at the time a signed letter stating ‘i can confirm the above account has been written off and your client amanda ****** has been absolved of any liability towards the account’. In july 2008 alliance and leciester contacted my solicitor stating this letter was sent in error by an inexperienced member of staff and confirmed i still owe the debt. since then i have not been contacted by them (i have moved home a few times) i have signed up with noddle and can see they are still defaulting my account with them every month even though i havent contacted them (through my solicitor) since the end of 2009. What are my rights? how do i know when they will stop defaulting my credit file?
    thanks
    amanda

    • moneyaware

      Hi,

      The Statute of Limitations on an unsecured credit debt is 6 years from the last payment made or of the last written correspondence where you admitted liability.

      Here is an article explaining how to check a debt is statute barred and what to do nexthttp://moneyaware.co.uk/2013/10/statute-barred-debt/

      You would need legal advice over whether the letter you were sent has any legal implications for your liability to pay – it may well be seen by a court as sufficient.

      Even if a debt is statute barred (passed the limitations period) you still owe the money, and can chose to pay it back, but your creditor cannot enforce you to do so through the courts. At that point you would be able to lodge a defence on the basis the debt is not enforceable.

      A default notice is sent to you when you are between 3 and 6 payments behind. The credit agreement is placed into default and the debt is generally passed to collections. The recent records on your credit file are to show you’re behind with payments – if the debt is found to not be enforceable you can ask for a note of correction to be added to your file explaining the period of arrears.

      Read the statute barred article and then contact your solicitor for advice.

      I hope this helps.

      Thanks,
      Jess

  • CAB

    Hi

    i have just signed up with check my file and it says there is a ccj against me that is active from May 2014 £600. the address they have for me is an old address that i havent lived at for 5 1/2 years. i have received nothing from anyone to say i owe them money never mind a ccj! i have no idea what its for! how do i find out what its for and can i get the ccj removed from my account as i have received no correspondance regarding it as i havent lived at that address for 5 years?

    • moneyaware

      Hi there, thanks for getting in touch with us.

      If you move home and a creditor doesn’t have your updated contacted details, they are still able to apply for a county court judgment to be placed on your credit file. Debts are attached to a person’s own individual file rather than an address. If you’re unsure what this CCJ is for, you should be able to find out by getting in touch with the county court where the CCJ was registered.

      If this creditor had no means of contacting you, it is likely that you will be liable to pay this CCJ. If you will struggle to pay it in full, there are ways to set up a reduced payment that’s much more realistic for you. We can help you with this, and any other debts you may be dealing with.

      Our online advice tool Debt Remedy can help you put together a personal action plan in just 20 minutes: http://www.stepchange.org/debtremedy.aspx?domain=www.MoneyAware.co.uk

      Hope this helps

      Best regards

      Rachel

  • Dave N

    Hi,

    I took out a loan for a caravan with Black Horse in February 2005 over a 48 month term and due to hitting a period of extreme financial difficulty and some bad advice from them at the time they repossessed the caravan in the summer of 2006, leaving me under the terms of the agreement to pay a balance of 50%. (£6500). Due to the fact that i felt i hadn’t received the correct advice from them i decided i wouldn’t pay the outstanding amount and they then defaulted me on the 10/7/2009 nearly 6 months after the original agreement should have ended. What is the status of this debt? and is this default actually valid as no payments were or have been made since 2006. Is there anything i can do to get this removed or can i enter a statement of correction?

    • moneyaware

      HI there Dave, thanks for getting in touch.

      Based on what you’ve told us, I think the best bet is to get in touch with a credit reference agency such as Experian, Equifax or Noddle who can give you advice on where you stand with this and how best to proceed moving forward.

      Best regards

      Rachel

  • moneyaware

    Hi Ellen

    I’m sorry to hear about the situation, I can’t imagine to understand how you must be feeling particularly with the added pressure of debts.

    With an IVA being a legally binding agreement, you should speak to the Insolvency Practitioner who has been appointed to dealing with the case.

    You can also speak directly to the Insolvency Service if you prefer, details of how to get in touch with them are available at https://www.gov.uk/government/organisations/insolvency-service

    The Insolvency Service or the Insolvency Practitioner should be able to point you in the right direction to make sure that any issues are sorted for you.

    I hope this helps,

    Rory

  • Maddy

    I haven’t made any payments on a Defaulted Credit card in 2006 but I wrote to the Creditor asking if they had details of my debt/account. Would this stop me using the Limitations Act as I have contacted the. I didnt admit the debt I just asked for details of it and if they had been authorised to collect the debt. Could you advise me as they are chasing me again.

    • moneyaware

      Hi Maddy

      I answered this question on statute barred thread but just in case, I’ll repost it here for you:

      If the debts are from 2005 and the creditor hasn’t taken any further action through the court then the debts may be statute barred.

      The Limitations Act doesn’t renew when a debt is passed or sold on, but it does if you acknowledge the debt or make payments.

      The debts aren’t written off when they become statute barred, they simply become unenforceable meaning the creditor can’t ask the court to enforce the debt.

      If you need any further help then please don’t hesitate to get in touch with us. Details of how to do this are available at http://www.stepchange.org/contactus.aspx

      Rory

  • Jenny

    Hi,
    It’s come to light that my fiance’s divorced ex wife took debts out
    under his name without his knowledge and he is now is receiving letters from
    companies asking him to repay the money. This as also left him with a bad credit rating through no fault of his own.
    The dates are going back to 2009 and now they are nearly 6 years old do these require still to be paid with not being recent.

    • moneyaware

      Hi Jenny,

      I’m sorry to hear about your fiance’s situation. If the debts were taken out in his name without his knowledge, it’s fraud and should be reported to the police. Fraudulent activity should be reported to the police’s Action Fraud centre – you can find the details here: http://www.actionfraud.police.uk

      With regards to whether the debts need to be paid, under the Limitations Act if you’ve not paid anything towards the debt for six years, haven’t acknowledged the debt in any way and the creditor hasn’t taken you to court, it could become statute barred. This would mean the creditor couldn’t take you court to make you pay the debt, but technically you’d still owe it. As you mention the debts are from 2009, they wouldn’t yet be covered by the Limitations Act and so would still be owed.

      Some people find that they can come to an agreement with their ex-partner to repay the debt, which might be something your fiancé would like to consider. If you’re concerned about the impact
      repaying the debt might have on your financial situation, we can help. Our debt advice is free and we offer a range of solutions to deal with debt, which you can read about here: http://www.stepchange.org/Howwecanhelpyou.aspx

      You can find out how to get in touch with us here: http://www.stepchange.org/Contactus.aspx

      I hope this helps.

      Kind regards,

      Laura

  • Gareth

    Hi I am currently paying dmp of £250 a month on a debt of £40000. My outstanding mortgage is £80000 my house is valued at £135000. Is it possible to sell my house and buy another one for the same value £135000 ie: can I still get a morgage £80000 and put the balance £55000. Or would I have to pay the balance of my debt. Thanks Gareth

    • moneyaware

      Hi Gareth,

      Thanks for your message. In theory there is nothing to stop you
      from doing this – you wouldn’t be forced to put the £55,000 towards paying off your debt. However given the other costs involved with buying and selling a property, I’d suggest you seek advice about whether this is something which would be affordable for you longer term.

      You can give our Financial Solutions team a call and speak to an
      advisor for free advice on 0808 168 6719. The line is open from Monday to Friday from 9am until 5pm.

      I hope this helps.

      Kind regards,
      Laura

  • Ashley

    Good morning. I received a letter from Bryan Carter Solicitors yesterday, confirming that a claim form will be with me within 48 hours. The debt i with Vanquis Bank (Lowell were the collectors). I believe that this debt is over 6 years old but have absolutely no proof at the moment. Is there any way that i can request this from Bryan Carter and delay court proceedings? Thanks in advance.

    • moneyaware

      Hi Ashley,

      Thanks for getting in touch. If you receive court papers for a CCJ there will be a form in there called an “acknowledgement of service” which you can send back to give you longer to reply. It’ll only give you an extra 14 days but that could be useful in this situation.

      There’s a little bit more information here: https://www.gov.uk/respond-to-court-claim-for-money/overview.

      Kind regards

      James

  • Joan Ann

    Hi, I have an IVA which I have been paying for nearly 2 years. I have never missed a payment neither before the IVA or since. Prior to the iva my debt was 25k but the iva payment was £200 per month which amounts to £12,000 in total over 6 years. I have just inherited 12k and have offered them 10k to clear the debt. The fly in the ointment is that there is a property involved. The house is worth about 75k but the intention was to sell it and pay the 55k owing on my own house. I have contacted the debt manager and she’s quoted me 35k to clear the debt – so all of a sudden I have to pay 8% interest and nearly 7k in fees – this can’t be right can it?

    • moneyaware

      Hi Joan Ann,

      Thanks for getting in touch. I can understand your frustrations at this, but as you are in an IVA and this is a formal agreement with your creditors, I’m not able to advise you.

      The person to speak to about this would be your insolvency practitioner (IP), but if you can’t come to an arrangement you’re
      happy with then I’d suggest you speak to the Insolvency Service and lodge a complaint. You can find the Insolvency Service’s contact details here: https://www.gov.uk/the-insolvency-service

      Kind regards,

      Laura

  • Jimmy Donny Cosgrove

    Hi, if i’m paying off my loan through a debt collection agency can i stop it defaulting on my credit rating?

    • moneyaware

      Hi Jimmy,

      A default is normally registered on your credit file when you’ve fallen behind with payments, or made payments that aren’t in line with the original credit agreement.

      If a debt has been passed to a collection agency it’s usually because there have been missed or reduced payments and the creditor is allowed to add the default to your credit report. There isn’t any specific way that you can prevent creditors adding a default to a debt once there’s been missed or reduced payments.

      Creditors should only default you once for a debt, and it also won’t show forever and will show on your credit report for no more than 6 years in most cases.

      I hope this helps,

      Rory

      • Jimmy Donny Cosgrove

        Thanks so I’ve been defaulting every month since 2012.

      • moneyaware

        Hi Jimmy,

        No, not necessarily. You usually only default once which would usually be at the point which there had been a few missed payments and the creditor had decided to apply the default.

        If you’ve now made arrangements to repay the debt at a reduced amount through a debt collection agency then although this will affect your credit rating in the short-term it won’t be something that stays forever.

        Rory

  • Yvonne

    Hi I am looking for advice about a secured loan I have been paying now for 8 years and my balance is showing that I have only actually paid about £1000 off the debt! I also noticed the rate has actually increased by over 2% since I originally took this out, which is unbelievable seeing as the interest rates have dropped dramatically since 2007. I am so confused as to where to turn for advice on this as I feel I am being ripped off big time. Can you help me?

    • moneyaware

      Hi Yvonne,

      Thanks for posting.

      Secured loans often come with a high rate of interest, which should have been mentioned to you at the start of the agreement.

      This does mean that creditors are within their rights to add interest or charges to a debt if they’re stated up front when you agree to take out the credit.

      If you check your agreement and the rates weren’t included, it might be worth making a complaint to the creditor.

      If you have any more questions please let us know.

      Jen

  • Dave

    Hi my wife has a CCJ approx £800 & pays £10 per month. We have been pay online through Santadar. We have missed one or two payment, but not consecutive & payed it next month to bring it in line. Moorcroft keep ringing & sending letters, every time a letter come its a charge of £12. The last letter said get in touch within 7 days or we will take legal proceedings against you.

    • moneyaware

      Hi Dave,

      Thanks for posting.

      It’s probably best to get in touch with the original creditor your wife owed the money to find out what’s happening here.
      This way, you can find out if they’ve sold the debt onto Moorcroft, and perhaps this is why they’re contacting your wife.

      If the debt has been passed onto Moorcroft, they may be unaware of the CCJ. This could be the case if they’re threatening court action.

      Letters and phone calls from creditors are a normal part of the debt collection process. You can read more about this here:

      http://www.stepchange.org/Debtinformationandadvice/Whatyourcreditorscando/Lettersfromcreditors.aspx

      http://www.stepchange.org/Debtinformationandadvice/Whatyourcreditorscando/Telephonecalls.aspx

      However, if you feel that a creditor is calling you too often, or is charging you for letters without a good reason, then it might be worth
      sending them a formal complaint in writing. Although it’s worth noting that they may be able to justify the fees they’re charging.

      I hope this has helped,

      Jen

  • Charlie

    I have had an agreed payment of £30 per month on a £200 balance with Moorcroft. I have never missed a payment yet my credit file is defaulting every month? Do i have any grounds to demand the defaults removed. I have now settled the debt

    • moneyaware

      Hi Charlie,

      It’s only possible to default on a debt once, so it’s likely that it’s reduced payments that are showing on your credit file.

      Once you’ve defaulted on the original credit agreement, any arrangements and payments you make with a collection agency will show like this, as you’re likely to be making reduced payments towards your debts that are less than your original agreement.

      This is really common and it’s not usually something that can be removed from your credit file as the creditors have followed the normal process.

      If you’ve now settled the debt then this should also be noted on your credit file, although if you’ve only recently settled it then it can take some time to show on your credit file.

      I hope this answers your question.

      Kind regards,

      Laura

  • Caroline

    Hi, in around 2011 my bank account became overdrawn. I was unemployed after finishing uni at the time and was unable to make any payments (didn’t qualify for any kind of benefit etc) I contacted the bank and asked them to freeze the account on numerous occasions to which they told me this was impossible. Being 100 overdrawn (the agreed amount) quickly turned into around £700 debt. When I became employed again, I changed banks and moved around 6 times. In my new property, having not heard anything about the debt in a number of years, I started receiving letters from 1st Credit ranging from “contact us now and we will reduce the debt” to the most recent “We may take you to court”

    I was just wondering what you would advise to be the best course of action to take? I also do not know their rights in terms of if they can take me to court and what the potential consequences would be to continue not responding!

    • moneyaware

      Hi Caroline,

      Dealing with debt collectors can be a scary prospect but it’s important not to ignore debts, even if you feel unhappy about the charges that have been added to the debt.

      There’s some information on our main website about what debt collectors can do: https://www.stepchange.org/debt-info/debt-collection/what-creditors-can-do.aspx. It is possible for a debt collector to take you to court over a debt, but this should be a last resort and most will look to come to an agreement before involving the courts.

      I’d suggest giving us a call and getting some in depth advice about the best way to deal with this debt. We’ll talk you through your options and help you build a realistic monthly budget and base our advice around your current circumstances. Here’s our contact details: https://www.stepchange.org/Contactus.aspx.

      Kind regards

      James

  • Tom

    Hi there,

    I hope you can help. My situation is a bit different than most of you. I have a phone dept of £330 and I am leaving the country for good. Going back to Estonia, where I am originally from. I won’t be able to pay it off in my country due to low income I will have. As I will be taking care of my aunt I will only be able to work few days a week which will be a very small income compared to UK minimum wage. What creditors can do and can they chase me in Estonia and take away anything I owe?

    Thank you in advance,

    • moneyaware

      Hi Tom,

      Thanks for getting in touch.

      We have a page on our website about dealing with debts from abroad. I think you’d find it useful to read, and you can find it here:

      https://www.stepchange.org/debt-info/dealing-with-uk-debts-abroad.aspx

      If you’re concerned about paying back the debt, I’d suggest getting in touch with our Helpline. Our advisors can offer you advice
      on what to do next and can outline any risks involved with not paying it back if you leave the country.

      You can find out how to get in touch with us here:

      https://www.stepchange.org/Contactus.aspx

      I hope this helps,

      Jen

  • Ali Husnain Mirza

    Hi There!

    I had the debt from mobile company, which I terminated contract earlier (in 2011) and debt collection kept chasing me for 5 years and I didn’t responded now (in 2016) they got CCJ against me, I heard that default account remains in file for six year, but account defaulted in 2011 and CCJ in 2016, so CCJ will stay on my file for another 6 years???

    Thanks a lot

    • moneyaware

      Hi there Ali,

      A CCJ is usually recorded on your credit file for six years from the date it is entered. So you’re right, it would be there for another six years by the sounds of it.

      However, one thing I noticed is that it’s around six years since you ended the phone contract, so there’s a possibility this debt could be statute barred, some debts become unenforceable if you’ve not made a payment in over six years. I don’t know enough about your situation or the timings to know for sure.

      You can read more about this here: https://www.stepchange.org/debt-info/can-i-write-off-debt/statute-barred-debt.aspx.

      Kind regards

      James

  • danielle thurston

    Hi I have a council tax debt with jacobs enforcement agents, we made an agreement from the 1st if april that I pay £20 a week they was fine with that as they agreed that that was enough, ive kept up with all my payments but they are now asking for me to pay more weekly as its no longer enough and have said the council want it paying it faster. Is this correct can they ask for more money after alre as dy making an agreement

    • moneyaware

      Hi Danielle,

      Thanks for getting in touch.

      I’m sorry to hear about this situation.

      It might be worth getting in touch with Jacobs to talk about the situation. You could put together a budget to show them that you’re paying what you can towards the debt and mention that you made an agreement with them previously.

      It’s worth noting that even if a creditor rejects the amount you’re offering to pay, you should continue to make the payments anyway. This shows that you’re not avoiding the debt and are willing to continue to pay it.

      If you’re unhappy with their response or feel like they’re acting threateningly, you can file a complaint with them. They should have an official complaints procedure.

      If you’d like more advice or are worried about the impact of paying back the debt on your finances, please feel free to give us a call. Our advisors will be more than happy to have a chat with you about your situation:

      https://www.stepchange.org/Contactus.aspx

      I hope this helps,

      Jen

  • Miranda

    Hi, is there a way that I can let the banks know that my husband is ill (addiction problems) and that he can’t be subject to any credit? Since I discovered his illness I am paying the debts he has with 2 credit cards. However, I found out that Vanquis gave him another credit card that he has already used (over £500 already) I have two babies and work full time, I can’t keep paying for the debts my husband keeps acquiring. Thanks!

    • moneyaware

      Hi Miranda,

      Thanks for posting.

      I’m sorry to hear about this situation.

      We have a page on our website about gambling debts and what to do if your partner has a gambling addiction here:

      https://www.stepchange.org/debt-info/gambling-debt.aspx

      It’s unlikely you’d be able to block credit on your husband’s behalf, however you may be able to block access gambling websites. It might be worth getting in touch with Gamcare, the gambling help charity, for advice on this. You can find their website here:

      http://www.gamcare.org.uk/

      I hope this helps.

      Jen

  • Medi Mogul

    I’m a little confused about a default that has been placed on my credit file the original debt was with 02 back in 2006 and then sold to Lowell (I’m not sure when) however a default was only served in 2013 .Should the default day be the original debt in 2006 -meaning this has been over 10 years and should be off my credit file or when Lowell served the default notice in 2013.

    • moneyaware

      Hi there,

      Thanks for posting.

      You might find it useful to read our webpage about default notices here:

      https://www.stepchange.org/debt-info/debt-collection/default-notices-and-missed-payments.aspx

      A debt usually defaults after two or three payments are missed, so it seems odd that it’s been added in 2013.

      A debt can only default once – even if it’s passed on to a collection
      agency, the original default date should remain on your credit file.

      Information about when a debt can default should be detailed in the original agreement taken out with the creditor. You could check this in your agreement or if you no longer have it, ask the original creditor to look into for you.

      If you’re unsure about something on your credit file, you could get in touch with one of the credit reference agencies, such as Experian or Noddle, for advice.

      I hope this helps,

      Jen