@Andyorch So 12 months and It's all cleared? The only thing that I would be concerned about is that I have a car on a PCP plan... Would I have to give that up if I did a DRO? I'll have a read into this now. In the meantime what are the major disadvantages of a DRO? Thank you x

@Kegimus That's the dream. I want to be debt free and living within my means. I don't want to go broke trying to look rich . Fingers crossed it's not too late for me to be able to get myself out of this mess x

Thanks guys, It's so nice being able to have people I can talk to about this. I have heard of DRO but I wasn't sure of what the difference was between that and an IVA. I also wasn't sure how it would restrict me financially in the future... It stresses me out to think of debt collectors turning up at my home, or continually being harassed on the phone by them. I just want to get myself debt free, financially savvy and then I can make sure I never allow myself to get in this situation ever again. x

@Kegimus Thank you and I am glad you're in a much better place financially now hopefully I will be there soon too. @London1971 Thank you so much for your advice. I will make a start with the Pro Rata letters immediately and see where that takes me. I will keep you updated and if there is anything else I should know or do please let me know and I will make sure it's done x

@ericsbrother Oh ok that makes sense. I don't have the original letter though so not sure what to do next. Am I able to obtain a copy of the original from them if I write them a letter? Or am I better just simply paying them this time and remembering to be more organised if this happens again in the future?

Wow! There is so much information to take in and so many different ways to deal with it. I guess being in the situation I am in with no family, no inheritance coming to me ever, I just want to get myself to a place where I am financially stable and have no chance of losing my home and becoming homeless. This is a big fear of mine. @dx100uk My father used to tell me he was blacklisted from different places and I always thought it was a real thing, so embarrassing oops . Thank you for the link to the the CRA file, I've downloaded it now and having a read through. This whole situation has definitely made me realise how much I have to learn about my financial situation. @London1971 & @Kegimus Thank you both for your advice. I am very confused about the IVA issue. I have been thinking about it for sometime now and have heard many conflicting stories. What should my next move be? Should I contact my creditors and find out when the accounts were open? Or should I just send of the Pro Rata letters to them all? Do you guys need to see my incomings and outgoings? Or is that irrelevant at this point?

Hi @ericsbrother Oh wow! That's interesting to know. Unfortunately I can't find the original letter. But I know the parking charge was stuck to my windscreen in a bright yellow packet. Then a few weeks later I received letters which were basically the same as the one above. What should my next move be? Do I need to contact Saba directly? Thank you all x

Thanks @dx100uk I will complete that now Also, do you know if the letter I received is a PCN or Parking Charge Letter? Thank you as always @dx100uk, your help is very much appreciated x 1 The date of infringement? 20/04/2019 2 Have you yet appealed to the parking company yet? [Y/N?] No not yet have you received a Notice To Keeper? (NTK) [must be received by you between 29-56 days] what date is on it Did the NTK provide photographic evidence? I received a letter but I am not sure if it is a NTK. It did not contain any photographic evidence. 3 Did the NTK mention Schedule 4 of the Protection of Freedoms Act 2012 (PoFA) [Y/N?] Not sure 5 Who is the parking company? Saba Parking Services Limited 6. where exactly [Carpark name and town] did you park? In a large free of charge multi storey car park in Brighton Marina .............................

Ok, So should I send that to PP aswell or should I just ignore them? Will sending the pro rata letter to all of the companies lead to my credit score lowering? Will I be black listed from any companies? Thank you so much, this not only helps but also relaxes me as I have been unable to sleep or eat through the stress of this debt x @dx100uk is this the template I need:

Hi, I am hoping that I have placed this topic in the right area. I am still a newbie to this site. I parked in a disabled bay by accident and received a PCN from a private parking company. Although, I was most definitely in the wrong for parking there, it was a genuine mistake and I was advised by a friend that a private parking company were not able to enforce a fine. I ignored the letter that came through the post and the subsequent ones too. Then last week I received another letter and now that I am finally dealing with my debts and fines I felt that it was high time I looked into this and make sure that I was doing the correct thing. I've attached the photo of the letter I received. I guess my questions are: 1. Do I have to pay this fine? 2. What do I do next? Thank you in advance for all your help & advice x

Hi @dx100uk Thank you for your message Sorry to sound a little dumb but is PP Paypal? I am making minimum payments on all the debts I have (I have missed a few due dates and incurred a few £12 charges) but I am trying my best to pay them all on time. I believe I am only hitting the interest though and not really making any dent into the actual debt. At the moment I am still making all the payments to the original companies and none have been taken over by a debt collection agency. Thank you so much for all this help x

Ok, so I have sat down and done the sums and to say I was a little out on my original debt assessment would be an understatement. The figure I owe is actually ALOT more than I anticipated. Here is the breakdown: MBNA Credit Card - £3,833.61 Barclay Credit Card - £9,914.02 Natwest Over Draft - £2,241.51 Paypal Credit - £2005.88 Littlewoods - £1287.33 Next - £603.98 Other (This is what I owe a friend of mine who helped me, they said they're not urgently needing this money back and to sort out the rest first but I feel a massive sense of need to repay them) - £7,000.00 Total of Company Debts- £19,886.33 Total Debt with extra money I owe friend - £26,886.33 Thank you in advance for any help and advice. This figure has been very overwhelming and is a massive wake up call for me.

@Andyorch I currently rent my house. @London1971 Oh wow! Really? That's interesting. I hope there is a way to help me get this down too. I'll post all my debts on here today. Thank you for taking the time to help me, I appreciate it so much and it is helping me more than you'll realise to have people to talk to about this

Thank you so so so so much. I will get onto this immediately. you need the companies and the amounts? and the rates? Is there anything else I should include? x

Hi Everyone, This is my first post on here and I am trying to hold back the tears as I type. Ok to give you a brief outline of my current situation I am 31 year old woman with no close relatives. I am currently in so much debt and I am overwhelmed I am struggling to even be able to give an exact figure at this moment in time and I would struggle to list all the companies and banks that I owe money too. (I will of course get these listed shortly). I would imagine a best case scenario of being about 16k in debt and I'm struggling to reach the minimum payments each month. Of those payments I can make I think I am only hitting the interest and not the actual debt. I don't have anyone I can turned to for advice and a friend of mine said that this forum is the best and that you guys would be able to help me get my finances in order and help me to figure out the best way of getting my debt down to a manageable level. I have looked at IVA's (I think that's what it is called) before but I wasn't sure if that would affect me later on if I wanted to move house with the rental check? Please can you tell me what I need to do first and help me? Please excuse my lack of organisation and knowledge on this matter and please please can you help me. I am so scared and worried and I feel so over whelmed by it all. I just don't know what to do. Thank you so much x