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  • FIRST POST
    • MSE Andrea
    • By MSE Andrea 18th Nov 16, 1:05 PM
    • 8,384Posts
    • 20,467Thanks
    MSE Andrea
    Struggling with debt? Ask a debt advisor a question
    • #1
    • 18th Nov 16, 1:05 PM
    Struggling with debt? Ask a debt advisor a question 18th Nov 16 at 1:05 PM
    If you need help with your debts, this is the thread for you.

    Trained advisors from StepChange Debt Charity (formerly CCCS) are here and waiting to answer your debt questions. They’re a friendly bunch so please don’t be shy!

    There are three ways to get in touch:

    1 - Simply post your question below and Richard, Allen, Rachael, Linsi or Kirsty will reply. If your question is about bankruptcy, then pop over to the Bankruptcy board.

    2 - If you would prefer to ask a question in private, feel free to send a message to StepChange Private Messages.

    3 – StepChange Debt Remedy is a free and confidential online debt advice tool. You can put a budget together at your pace, and you can also talk it over with an advisor through online chat.

    If you're a StepChange Debt Charity client already, please contact its Aftercare team rather than posting in this thread (their contact details are in your Welcome Pack).

    This is discussion thread part four, see parts one, two and three.

    Finally, follow @MSE_Forum on twitter for debate and discussion on all things MoneySaving and more.

    If you haven’t already, join the forum to reply!
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Page 17
  • StepChange_Allen
    Help please, my landlady miss placed some of my post. I've just opened it and it's dated 4th May regarding the county court a claim against me for £1461.93. I have only in the last year gone back to paid employment after years on the sick due to mental health problems. I've stuck my head in the sand and ignored all debt collectors letters so I've only myself to blame! I earn £120 a week I work part time what do I do?? This has completely stressed me out. I don't have much and I'm really worried about this. thanks in advance.
    Originally posted by heidi1977
    Hi Heidi

    Thanks for your post.

    I can see you've had some helpful replies already which is great; apologies for only just getting around to replying. If the claim form is from Northampton County Court Bulk Centre, which most are, you have 19 days from the issue date on the form, so even now there is still time.

    If you admit the debt, then you should offer a fair, affordable payment towards it on the form. If you'd like some help working out a payment and any further advice on dealing with this you can register with us for free, details are on our contact page: www.stepchange.org/Contactus

    I hope this helps.

    Allen
    I work as a debt advisor for StepChange Debt Charity and have specific permission from Martin to post on these boards to try and help those in debt. Read more information on StepChange Debt Charity in the Debt Problems: What to do and where to get help article. If you find you're struggling with debt and you need further help try our online advice facility Debt Remedy.

    Don't be afraid of getting debt advice. We'll help you take one more step towards getting help with your debt.
    • Thaddeus Wagstaff
    • By Thaddeus Wagstaff 22nd May 17, 10:08 AM
    • 3 Posts
    • 0 Thanks
    Thaddeus Wagstaff
    Hi
    My adult daughter had bailiffs from Equita chasing her at her previous address for council tax arrears. This debt remains unpaid.
    She is now living with us, as she finds it impossible to cope on her own. Please could you advise how I can prevent bailiffs from removing goods owned by myself and my wife if they chase the debt up at my home? Unfortunately we don't have receipts for a lot of our things as they were bought so long ago it didn't seem worth keeping them. We never expected to find ourselves in this position.....
  • StepChange_Rachael
    Hi

    Thanks for getting in contact.

    I’m sorry to hear that your daughter is struggling with this debt. I can see how it’d be stressful for you and your wife due to the debt being collected by enforcement agents and your daughter now living with yourselves.

    Enforcement agents shouldn’t take or list items that aren’t your daughters. However as you’ve mentioned this may be difficult to verify without receipts or proof of purchase.

    What enforcement agents can and can’t do does depend on what stage of collection the debt is at.

    If the enforcement agents haven’t been in to the propery and made a listed goods agreement then as long as an adult doesn’t let them in your house and they can’t let themselves in by peaceful entry, such as walking through an open or unlocked door, then they can’t remove goods on their first visit.

    As long as Equita haven’t made a listed goods agreement and something is being paid directly to them, even if this is a small affordable payment sent directly to them, then it’s very unlikely they’d be able to take any further action.

    If you send a payment direct each month to enforcement agent’s collecting for council tax then they have to accept the payment and deduct it from the total debt. They can’t send the payment back.

    With a regular payment towards the debt it’s much more likely they’ll stop trying to gain entry to the property.

    If they’ve already been in to your property then it’s much more difficult. I’m assuming from this message that they’ve not been in to the property in which the above information applies.

    If enforcement agents had made a listed goods agreement with items that weren’t the clients then I’d suggest negotiating with the enforcement agents and trying to find any proof of purchase including bank statements as evidence.

    If Equita had made a listed goods agreement when your daughter was in her previous property and then these items had been moved to your property with her then Equita would have a legal right to take these goods and should be informed of the new address.

    Usually taking goods is a last resort and they’d much rather receive payment for the debt.

    Negotiating an affordable payment based on a budget that can be sent to the enforcement agents as proof is the best way to come to an agreement with them and stop any further action.

    Here is a link where you can find more information about what enforcement agents can and can’t do depending on the stages of collection and your rights.

    If your daughter would like help to explore her options with dealing with this debt and any others she might have then we can help her find a way forward. You can find out website and contact details here.

    Take care
    Rachael




    Hi
    My adult daughter had bailiffs from Equita chasing her at her previous address for council tax arrears. This debt remains unpaid.
    She is now living with us, as she finds it impossible to cope on her own. Please could you advise how I can prevent bailiffs from removing goods owned by myself and my wife if they chase the debt up at my home? Unfortunately we don't have receipts for a lot of our things as they were bought so long ago it didn't seem worth keeping them. We never expected to find ourselves in this position.....
    Originally posted by Thaddeus Wagstaff
    I work as a debt advisor for StepChange Debt Charity and have specific permission from Martin to post on these boards to try and help those in debt. Read more information on StepChange Debt Charity in the Debt Problems: What to do and where to get help article. If you find you're struggling with debt and you need further help try our online advice facility Debt Remedy.

    Don't be afraid of getting debt advice. We'll help you take one more step towards getting help with your debt.
    • Mrs24
    • By Mrs24 25th May 17, 10:15 AM
    • 3 Posts
    • 0 Thanks
    Mrs24
    Barclays Bank reserve charges
    Hi I need some advice on Barclays Bank. I have a reserve with them (like an overdraft) but due to financial difficulty I am unable to pay it off and I went on their live chat asking if my charges can be frozen so I can start paying back a little each month to clear it, the chat advisor told me they can't do that, so I was hoping someone could tell me how to get this done. Tia for your replies
  • StepChange_Richard
    Hi

    Thanks for your message and welcome to the forum.

    It can be hard to pay back detbs when you are struggling to pay the interest that conitnues to build upon it. However, banks don't have to agree to freeze charges this if they don't want to (provided they were set out in your initial agreement).

    We can help you with your debts and to find the best way of dealing with them. For some of our solutions we will ask creditors to freeze interest and charges. We need to take a look at your finances first though so we know the best way to help you.

    You can build a budget with us, that will show us your financial situaiton, in two ways:

    You can use our Debt Remedy tool on our website. This self-help tool guides you through your budget and then provides you with an advice booklet to read in your own time.

    Alternatively you can call and spoeak with our advisors. They will build your budget for you and then provide you with advice on how to deal with your debts. All our contact details are here.

    I hope this helps.


    Richard



    Hi I need some advice on Barclays Bank. I have a reserve with them (like an overdraft) but due to financial difficulty I am unable to pay it off and I went on their live chat asking if my charges can be frozen so I can start paying back a little each month to clear it, the chat advisor told me they can't do that, so I was hoping someone could tell me how to get this done. Tia for your replies
    Originally posted by Mrs24
    I work as a debt advisor for StepChange Debt Charity and have specific permission from Martin to post on these boards to try and help those in debt. Read more information on StepChange Debt Charity in the Debt Problems: What to do and where to get help article. If you find you're struggling with debt and you need further help try our online advice facility Debt Remedy.

    Don't be afraid of getting debt advice. We'll help you take one more step towards getting help with your debt.
    • StepChange Private Messages
      Verified User verified user
    • By StepChange Private Messages Verified User verified user 25th May 17, 12:13 PM
    • 110 Posts
    • 112 Thanks
    StepChange Private Messages
    Hi

    Thanks for your post.

    Although you can ask creditors to stop adding charges creditors are unlikely to grant the request if an individual asks them.

    Creditors will most likely want to see a financial statement like a budget to show your financial situation and to show you’re struggling.

    There are debt solutions available if you‘re struggling with repaying debt, including overdrafts. You might find that creditors are more likely to stop interest and charges if you’re going through a third party.

    If you’d like to explore your options going forward and create a budget showing your financial situation you can find we can help. You can find our contact details here. Our help and advice is free.

    Thanks
    Rachael



    Hi I need some advice on Barclays Bank. I have a reserve with them (like an overdraft) but due to financial difficulty I am unable to pay it off and I went on their live chat asking if my charges can be frozen so I can start paying back a little each month to clear it, the chat advisor told me they can't do that, so I was hoping someone could tell me how to get this done. Tia for your replies
    Originally posted by Mrs24
    I work as a debt advisor for StepChange Debt Charity and have specific permission from Martin to post on these boards to try and help those in debt. Read more information on StepChange Debt Charity in the Debt Problems: What to do and where to get help article. If you find you're struggling with debt and you need further help try our online advice facility Debt Remedy.

    Don't be afraid of getting debt advice. We'll help you take one more step towards getting help with your debt.
    • drshadrack
    • By drshadrack 25th May 17, 2:47 PM
    • 13 Posts
    • 0 Thanks
    drshadrack
    Joint Tenancy Debt - (J&S question)
    Apologies I've posted this twice now - once on the Gerneral forum and once on the Ask an Advisor area

    I hope someone might be able to offer some advice on this.

    The situation: Student house of 5 - all signed up to the joint tenancy agreement - one student has left course and is not able to pay their rent. Landlord has rejected that student's offer to pay down the debt in instalments of £25 per week.

    It seems pretty straightforward that J & S liability can be used in circumstances where a tenant defaults but I am keen to understand what steps the landlord would first have to take to get to the stage where they can use the J & S agreement clause to collect from the other tenants?

    To my mind if the 'defaulting' tenant has offered to pay, albeit in lower instalments, a debt has not necessarily crystallised and the landlord must first exhaust this avenue before trying to recover monies from the other tenants.

    The father of one of the other tenants is concerned that a failure to resolve the issue could result in a CCJ against his son's name and is eager to accede to the landlord's demands for a quicker settlement which would involve all tenants chipping in. However, I believe that we are nowhere near that stage yet and do not want to readily hand over money unneccessarily.

    Does the landlord not have to at least try to collect from the defaulting tenant, pursue them through the courts etc. before they can invoke the J & S clause?

    I have also suggested that the defaulting tenant continue to pay @ £25 per week throughout this period on the basis that the landlord is tacitly accepting the payment plan if they do not hand the monies back.

    Any thoughts appreciated
  • StepChange_Linsi
    Good afternoon,

    Thank you for your post.

    Everyone named on the tenancy agreement is jointly and severally liable for the rent. If arrears have built up, the landlord can take action against one tenant or all the tenants straight away. The landlord wouldn’t have to chase the defaulting tenant first.

    The landlord isn’t obliged to accept the reduced payment which has been offered, but it is a good idea for the tenant who has left the property to pay what they can while trying to come to an arrangement.

    Whilst the landlord could apply for a CCJ, this option isn’t usually used to collect rent arrears. The further action the landlord could take and the timescales involved would partly depend on what type of tenancy agreement you have. For more information about housing laws and tenancy rights I’d recommend speaking to Shelter. They’re also a charity, but specialise in providing housing advice.

    You may also want to provide our details to the tenant who has left the property; so that we can give them more specific advice about dealing with their debts.

    I hope this helps.

    Linsi


    Apologies I've posted this twice now - once on the Gerneral forum and once on the Ask an Advisor area

    I hope someone might be able to offer some advice on this.

    The situation: Student house of 5 - all signed up to the joint tenancy agreement - one student has left course and is not able to pay their rent. Landlord has rejected that student's offer to pay down the debt in instalments of £25 per week.

    It seems pretty straightforward that J & S liability can be used in circumstances where a tenant defaults but I am keen to understand what steps the landlord would first have to take to get to the stage where they can use the J & S agreement clause to collect from the other tenants?

    To my mind if the 'defaulting' tenant has offered to pay, albeit in lower instalments, a debt has not necessarily crystallised and the landlord must first exhaust this avenue before trying to recover monies from the other tenants.

    The father of one of the other tenants is concerned that a failure to resolve the issue could result in a CCJ against his son's name and is eager to accede to the landlord's demands for a quicker settlement which would involve all tenants chipping in. However, I believe that we are nowhere near that stage yet and do not want to readily hand over money unneccessarily.

    Does the landlord not have to at least try to collect from the defaulting tenant, pursue them through the courts etc. before they can invoke the J & S clause?

    I have also suggested that the defaulting tenant continue to pay @ £25 per week throughout this period on the basis that the landlord is tacitly accepting the payment plan if they do not hand the monies back.

    Any thoughts appreciated
    Originally posted by drshadrack
    I work as a debt advisor for StepChange Debt Charity and have specific permission from Martin to post on these boards to try and help those in debt. Read more information on StepChange Debt Charity in the Debt Problems: What to do and where to get help article. If you find you're struggling with debt and you need further help try our online advice facility Debt Remedy.

    Don't be afraid of getting debt advice. We'll help you take one more step towards getting help with your debt.
    • LeaPea
    • By LeaPea 29th May 17, 12:59 PM
    • 2 Posts
    • 0 Thanks
    LeaPea
    Hi,

    I have approx 7K worth of debt on credit cards, I'm meeting the payments every month and do not miss but I'm making little progress. I'm a new Mum on statutory maternity leave pay which means my income has severely reduced so making the payments is a lot harder and clearing the debt seems seems impossible. I don't miss payments on the cards but I am constantly in my overdraft as a result which I'm worried about affecting my credit rating.

    What is my best option?

    Thank you,

    Leanne.
    • Akd1961
    • By Akd1961 30th May 17, 1:44 PM
    • 3 Posts
    • 0 Thanks
    Akd1961
    Debt help for my daughter
    Hi

    After some advice my daughter has got herself in debt through gambling the debts at the minute are circa 15k (without counting what she owes us) I have spone to NAtional Debtline, they said her only options are Self negotiation or something called cash flow, she is not very good at these sort of things. SHe is curretnly getting help for the gabling and also drugs and mental health issues. She has a joint mortgage with her partner and if at all possble does not want to affect this. She is not in defaul yet but is struggling with all the added interest and I am fearful of her mental state. Any help appreciated.
  • StepChange_Linsi
    Hi Leanne

    Welcome to the forum and congratulations on becoming a mum.

    It’s understandable why making payments has become harder now that your income has reduced. It’s important to remember that debts like credit card are only entitled to a fair share of your disposable income after you’ve covered your living costs.

    There are different options available when it comes to dealing with debt. So we can help you work out which option will be best for you we’ll need to know a bit more about your situation.

    I’d recommend creating a budget online using our Debt Remedy tool. To do this you’ll need to have the details of your income, living costs and debts to hand. Once you’ve created a budget you’ll to able to download a personal action plan. This contains our tailored advice for you along with a recommended debt solution. Here’s the link to our Debt Remedy tool.

    Debt solutions and relying on your overdraft can affect your credit file. This is never permanent so your credit file will repair over time. When we recommend a debt solution we’ll always explain what impacts this will have, so that you can make an informed decision about the best way to deal with your debts.

    I hope this helps.

    Linsi


    Hi,

    I have approx 7K worth of debt on credit cards, I'm meeting the payments every month and do not miss but I'm making little progress. I'm a new Mum on statutory maternity leave pay which means my income has severely reduced so making the payments is a lot harder and clearing the debt seems seems impossible. I don't miss payments on the cards but I am constantly in my overdraft as a result which I'm worried about affecting my credit rating.

    What is my best option?

    Thank you,

    Leanne.
    Originally posted by LeaPea
    I work as a debt advisor for StepChange Debt Charity and have specific permission from Martin to post on these boards to try and help those in debt. Read more information on StepChange Debt Charity in the Debt Problems: What to do and where to get help article. If you find you're struggling with debt and you need further help try our online advice facility Debt Remedy.

    Don't be afraid of getting debt advice. We'll help you take one more step towards getting help with your debt.
  • StepChange_Linsi
    Hi there

    Thanks for your post and welcome to the forum.

    I’m sorry to hear about your daughter’s situation. I’m glad to hear she’s getting help with her gambling and I’m sure having your support helps a lot as well.

    Whilst I can’t really comment about the advice you’ve had previously, we can certainly take a look at your daughter’s situation to see if there are any alternative options we can offer to provide further support.

    The next is to create a budget with us. You can help your daughter to do this online using our Debt Remedy tool. After creating a budget Debt Remedy will be able to recommend a debt solution and your daughter will be able to access her tailored advice online. Here’s the link to our Debt Remedy tool.

    If you or your daughter have any questions once you’ve read this advice or need any further support, you’ll be able to call us and speak to an advisor. You can find our number by clicking the ‘need help’ button at the bottom of any page in Debt Remedy.

    All the best,

    Linsi


    Hi

    After some advice my daughter has got herself in debt through gambling the debts at the minute are circa 15k (without counting what she owes us) I have spone to NAtional Debtline, they said her only options are Self negotiation or something called cash flow, she is not very good at these sort of things. SHe is curretnly getting help for the gabling and also drugs and mental health issues. She has a joint mortgage with her partner and if at all possble does not want to affect this. She is not in defaul yet but is struggling with all the added interest and I am fearful of her mental state. Any help appreciated.
    Originally posted by Akd1961
    I work as a debt advisor for StepChange Debt Charity and have specific permission from Martin to post on these boards to try and help those in debt. Read more information on StepChange Debt Charity in the Debt Problems: What to do and where to get help article. If you find you're struggling with debt and you need further help try our online advice facility Debt Remedy.

    Don't be afraid of getting debt advice. We'll help you take one more step towards getting help with your debt.
    • Akd1961
    • By Akd1961 30th May 17, 4:06 PM
    • 3 Posts
    • 0 Thanks
    Akd1961
    Step Change
    Hi

    Thank you for you reply, we have started doing the debt plan, need to sit down with her, and will get this done.

    Where do we go after that.
  • StepChange_Linsi
    Hi

    I’m glad you’ve started to use our Debt Remedy tool. The next steps will depend on which debt solution is going to be best for your daughter.

    At the end of Debt Remedy you’ll be able to access your daughter’s personal action plan. This will explain what the recommended solution is and what you need to do next to set that solution up.

    If you do have any questions about the advice or the next steps to take, you can call us directly. Our number is at the bottom of each page in Debt Remedy, you just need to click on the ‘need help’ button.

    All the best,

    Linsi

    Hi

    Thank you for you reply, we have started doing the debt plan, need to sit down with her, and will get this done.

    Where do we go after that.
    Originally posted by Akd1961
    I work as a debt advisor for StepChange Debt Charity and have specific permission from Martin to post on these boards to try and help those in debt. Read more information on StepChange Debt Charity in the Debt Problems: What to do and where to get help article. If you find you're struggling with debt and you need further help try our online advice facility Debt Remedy.

    Don't be afraid of getting debt advice. We'll help you take one more step towards getting help with your debt.
    • Goose Girl
    • By Goose Girl 3rd Jun 17, 1:35 AM
    • 59 Posts
    • 216 Thanks
    Goose Girl
    Hi, I was hoping for advice on where to allocate payments if I can overpay on debt.

    I know exactly where my debt came from - my husband being seasonally out of work (supply teacher) while I was a student & then unemployed and ineligible for benefits for a year.

    Thankfully we are both working 9-5, Mon-Fri steady jobs now so can focus on debt. I have a credit card I will pay off next month, which I prioritised to snowball. However I'm stuck on the other two.

    £1350 with Co-op - this is my old student acct overdraft which is on a payment plan of £50/mo, reviewed every 6mo, at 0% interest (last review - Apr 17). Co-op is also where I have my current acct

    £5,500 with Barclaycard - this account sadly defaulted and is on a payment plan of £150/mo at 0% interest with annual review (last review Apr 17)

    After other bills are paid, I can do £50 for Co-op, £150 for Barclaycard and will from mext month have about £250 I can put towards these debts. Should I split it 1:3 like the regular payments or clear Co-op in case they choose to default me? Is there any reason to prioritise Barclaycard, since I am defaulted anyway, from Feb 16? AsI don't have any savings/emergency fund is I better to use the extra for that?

    In the 14 months since starting both plans every payment has been on time; the cause of the debt has been resolved so hopefully it will never happen again.

    Thank you if you were able to follow my rambling and can offer help and advice!
  • StepChange_Allen
    Hi, I was hoping for advice on where to allocate payments if I can overpay on debt.

    I know exactly where my debt came from - my husband being seasonally out of work (supply teacher) while I was a student & then unemployed and ineligible for benefits for a year.

    Thankfully we are both working 9-5, Mon-Fri steady jobs now so can focus on debt. I have a credit card I will pay off next month, which I prioritised to snowball. However I'm stuck on the other two.

    £1350 with Co-op - this is my old student acct overdraft which is on a payment plan of £50/mo, reviewed every 6mo, at 0% interest (last review - Apr 17). Co-op is also where I have my current acct

    £5,500 with Barclaycard - this account sadly defaulted and is on a payment plan of £150/mo at 0% interest with annual review (last review Apr 17)

    After other bills are paid, I can do £50 for Co-op, £150 for Barclaycard and will from mext month have about £250 I can put towards these debts. Should I split it 1:3 like the regular payments or clear Co-op in case they choose to default me? Is there any reason to prioritise Barclaycard, since I am defaulted anyway, from Feb 16? AsI don't have any savings/emergency fund is I better to use the extra for that?

    In the 14 months since starting both plans every payment has been on time; the cause of the debt has been resolved so hopefully it will never happen again.

    Thank you if you were able to follow my rambling and can offer help and advice!
    Originally posted by Goose Girl

    Hi there

    Thanks for your post.

    We'd recommend making fair, pro-rata payments to the debts. Because the debt to Barclaycard is more or less four times the size of the Co-op one, that means we'd recommend paying around four times as much to Barclaycard in order to be treating them equally.

    The more you pay, the sooner they'll be gone of course, but it's important to balance that with making sure you have enough money to pay your bills and living costs so you could keep a modest amount of money aside for emergency costs.

    I hope this is helpful. If you'd like any further help or advice beyond this, you're very welcome to visit www.stepchange.org and register with us for free.

    Allen
    I work as a debt advisor for StepChange Debt Charity and have specific permission from Martin to post on these boards to try and help those in debt. Read more information on StepChange Debt Charity in the Debt Problems: What to do and where to get help article. If you find you're struggling with debt and you need further help try our online advice facility Debt Remedy.

    Don't be afraid of getting debt advice. We'll help you take one more step towards getting help with your debt.
    • Midd
    • By Midd 4th Jun 17, 11:53 AM
    • 1 Posts
    • 0 Thanks
    Midd
    Money Transfer / Balance Transfer
    Hi,

    I am looking for some advice on money/balance transfers and which would be the best option for my current situation to get myself debt free.

    I am a 2nd year graduate with two active graduate bank accounts both of which are due to expire. One I have a £1,500 overdraft limit and the other £1,000, both of which I am towards my limit on. I also have a £1,000 limit credit card, again of which I towards my limit. I am looking for a way to consolidate my debt to a 0% credit card and arrange monthly repayments to get myself debt free and wondered the best way to go around this.

    Any advice much appreciated.

    Thanks
    • LeaPea
    • By LeaPea 4th Jun 17, 1:49 PM
    • 2 Posts
    • 0 Thanks
    LeaPea
    Hi Linsi,

    Thanks for the reply. The link to the debt remedy tool doesn't seem to work for me? Is it correct?

    Thanks,

    Leanne
  • StepChange_Rachael
    Hi

    Thanks for your post and welcome to the forum.

    Transferring debt to a lower or 0% interest rate card can be a good option for people able to make the minimum payments and clear the debt without incurring further charges, however if this is not the case and you’d struggle to pay back the debt and cover the minimum payments then consolidating debt is unlikely to help and can cause further financial difficulties. As a debt advisor I couldn’t recommend consolidation.

    Many banks do offer these options but to find out if you’d be eligible you’d need to apply first.

    There are ways to do soft searches that have less of an impact on your credit file and there are sections on moneysavingexpert.com that can provide further advice on this.

    If you would still struggle to meet the minimum payments to service the debt then I’d recommend taking a look at the other options available to you.

    You can find our anonymous and free Debt Remedy tool here to explore your options.

    Thanks
    Rachael


    Hi,

    I am looking for some advice on money/balance transfers and which would be the best option for my current situation to get myself debt free.

    I am a 2nd year graduate with two active graduate bank accounts both of which are due to expire. One I have a £1,500 overdraft limit and the other £1,000, both of which I am towards my limit on. I also have a £1,000 limit credit card, again of which I towards my limit. I am looking for a way to consolidate my debt to a 0% credit card and arrange monthly repayments to get myself debt free and wondered the best way to go around this.

    Any advice much appreciated.

    Thanks
    Originally posted by Midd
    I work as a debt advisor for StepChange Debt Charity and have specific permission from Martin to post on these boards to try and help those in debt. Read more information on StepChange Debt Charity in the Debt Problems: What to do and where to get help article. If you find you're struggling with debt and you need further help try our online advice facility Debt Remedy.

    Don't be afraid of getting debt advice. We'll help you take one more step towards getting help with your debt.
    • Help needed please
    • By Help needed please 5th Jun 17, 5:04 PM
    • 9 Posts
    • 1 Thanks
    Help needed please
    Hi, I am after some guidance please. I am trying to recover money for a duff car from the man who sold it to me. He is 'trading as'. I have tried all ways but his story keeps changing and a friend told me to file court papers which I have done. An acknowledgement of service has been filed which is fine, but he has put his wrong date of birth, does this make any difference, it doesn't just look to be a simple mistake but done deliberately and I am perplexed. Any help would be appreciated. Thank you.
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