I have now got a creditor who will not accept an income/expense form, they want access to my account using open banking which I do not want them to do. Can they refuse an income/expense form as this is the usual way to communicate your finances with them. The creditor is salad money.

Original creditor for Link was Aqua, the original debt was for £6k, prior to the debt being passed on to Link it was reduced to £3k following a claim for irresponsible lending.

Here is a list of the creditors and what the current balance owed to them is, at the current rate I am paying I should be debt free between 18 and 21 months. My end of March payment has not been included to they are not 100% accurate Creditor Name Estimated Balance Barclays Partner Finance £3385.41 Capital One Credit Cards £909.98 Creation Consumer Finance Ltd £22.28 JN Bank £8615.08 La Redoute £182.52 Lendable Ltd £1214.98 Link Financial Ltd £2413.46 My Community Finance £4227.15 Next Directory £337.28

I am have an arrangement with most of my creditors, they all agreed to freeze interest at the time the DMP started with the loan exception on My Community Bank. I was with DMC until January just gone, since then I have been taking care of it myself and until recently My Community Bank were the only one not playing ball.

DFH were the debt Management company and My Community bank were aware of the situation. i even had to send a cease and desist notice to them due to phone call harassment

The company is my community bank, I took out a loan for £5000 in March 2023, I was making full payments until a dramatic change in circumstances meant I was on a DMP form July 2023. My Community Bank applied a default on the loan in March 2024, even though I was using a DMC from July 2023 to January 2024 they were aware I was on a DMP, it wasn't until I emailed them on 4th April 2024 did they agree to freeze interest. They applied default on the loan on 13th March 2024.

Hi Folks, Looking for a bit of advice/guidance. i am currently on a debt management plan and one of my creditors was refusing to freeze the interest on the debt. I subsequently wrote to the creditor and said the following to them. "The FCA says in CONC 1.3 that being in a debt management plan may be evidence of financial difficulty. But you are still charging interest or adding charges to my account. The majority of my creditors have accepted my offer of payment, agreed to freeze interest, and are not adding charges. Your refusal to freeze interest is prolonging the time it will take me to clear my debts unreasonably. Continuing to add interest is not fair. And it is breach of the Consumer Duty as you are making it more difficulty for me when you have been told that I am in difficulty. I am asking you to reconsider your decision and to freeze interest and stop adding charges to my account." They have subsequently agreed to freeze interest but they are not budging on my request to refund the interest they continued to apply, has anyone had any success on getting interest refunded from a creditor and if so how did you go about it and do you have a template of the letter you sent. Thanks Paul

I am negotiating with 2 creditors so they both get £48 each, that's why I was haggling, there is logic in my thinking cos they both got the exact same email

Hi, I am currently trying to negotiate pro rata payments with Salad Money, I have emailed them an income/expenditure form and they have replied back saying they cannot accept this form and instead they want me to use the open banking process instead which I am unwilling to do. What can I do to move this forward, I have attached a copy of our correspondence many thanks Salad money Comms.pdf

1 and 2 are credit cards 3 is for finance for buying a macbook laptop 4 is a loan for home improvements 5 and 8 are online shopping credit balances 6 and 8 were personal loans None of them are have been sent to DCA's

These are what I owe on the debts, Aqua Collections £2801 Capital One Credt Cards £745 Clydesdale Bank £4229 JN Bank £14362 La Redoute £268 Lendable Ltd £1539 My Community finance £4783 Next Directory £408

Excellent advice, I'll get to work on it

This DMP gets me debt free within 33 months, my debts as of the start of the DMP were £31738.00

DMP is with DFH (it's a paid one and I know you guys frown upon those ones) but I would rather be in a DMP that has a short life span rather than a massive multi year one with step change. the debts themselves are quite recent and only came about due to my partner losing her job and as a result our household income has dropped £2k a month so my finances would only stretch so far. none of the debts are historic they were all ones I could easily afford until the recent change of circumstances

I'm looking for a bit of advice in regards to irresponsible lending. I took out a credit card with Aqua and the initial limit was £1200 I believe, I had no trouble initially paying the bill but then Aqua kept offering me credit increases and each time I was offered it I took it and it eventually ended up being a limit of £6100. Eventually I maxed out the card and I was struggling to pay the min amount I eventually arranged a repayment plan with Aqua of £145 a month, eventually I got the balance down the current amount of 2800. I am now on a debt management plan and the Aqua debt is included with several others. Have I got grounds for going down the irresponsible lending route and if so how do I go about it, especially as I am on a DMP. Many thanks in advance