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  • FIRST POST
    • MSE Andrea
    • By MSE Andrea 18th Nov 16, 1:05 PM
    • 8,621Posts
    • 20,861Thanks
    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!
    This Forum tip was included in MoneySavingExpert.com's weekly email!

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Page 19
    • Rochdale_Guy
    • By Rochdale_Guy 15th Jun 17, 11:22 PM
    • 1,682 Posts
    • 1,293 Thanks
    Rochdale_Guy
    Just banging my head against a brick wall, one step forward, two steps back - getting nowhere.

    .
    • AshGem
    • By AshGem 16th Jun 17, 7:49 AM
    • 1 Posts
    • 0 Thanks
    AshGem
    Hi.

    I got married last year and used credit cards to cover most of the costs. Trouble is 0% periods have now ran out and I'm being stung with the interest.

    I've applied for balance transfer cards but have been rejected as I have credit score of less than 500 (noddle).

    Would a loan be a better option? 3 credit cards (2 wedding, 1 personal) with total of £5000-£6000

    Not home owner but expecting first child so keen to reduce the monthly outgoings and get saving!

    Thanks
    • steve shipo
    • By steve shipo 16th Jun 17, 10:39 AM
    • 1 Posts
    • 0 Thanks
    steve shipo
    ccj
    I have a ccj , the debt is for credit card £380 , the debt collector has told me if I don't pay the money they will get a attachment of my state pension , I have offered £10 a month they have refused that . so can they get the attachment
  • StepChange_Linsi
    Hi Ash

    Thanks for your post and welcome to the forum.

    I’m sorry you’ve not been able to transfer the balances of your credit cards. Taking out a consolidation loan could be an option but you may not get the best interest rates. This could mean that you end up paying more in the long run. There’s more information about debt consolidation on our website.

    There are other ways to manage debts that don’t involve using additional credit. We can help you find a suitable solution and help you work with your creditors, to try and get the interest frozen.

    To look at your options you’ll need to put a budget together first. You can do this online using our free Debt Remedy tool, here’s the link.

    After completing your budget you’ll be able to access your recommended solution and tailored advice online.

    I hope this helps and congratulations on your pregnancy.

    Linsi

    Hi.

    I got married last year and used credit cards to cover most of the costs. Trouble is 0% periods have now ran out and I'm being stung with the interest.

    I've applied for balance transfer cards but have been rejected as I have credit score of less than 500 (noddle).

    Would a loan be a better option? 3 credit cards (2 wedding, 1 personal) with total of £5000-£6000

    Not home owner but expecting first child so keen to reduce the monthly outgoings and get saving!

    Thanks
    Originally posted by AshGem
    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 Steve

    Thanks for getting in touch and welcome to the forum.

    If you have a CCJ and you’re not able to maintain the payments set by the court then a creditor can take further action.

    One of these options is to apply for an attachment of earnings. However, an attachment can only be taken from ‘pay as you earn’ (PAYE) wages, statutory sick pay or occupational pension payments. An attachment cannot be taken from a state pension, so if this is your only income the court won’t approve an attachment of earnings.

    If you haven’t done so already, you can use an N245 form to set up a repayment plan though the county court. This usually prevents the creditor from being able to use other forms of enforcement.

    You can find a copy of this form here on our website with an explanation about how to use it. If you would like any help completing the form you can call us. Here are our contact details.

    I hope this helps.

    Linsi


    I have a ccj , the debt is for credit card £380 , the debt collector has told me if I don't pay the money they will get a attachment of my state pension , I have offered £10 a month they have refused that . so can they get the attachment
    Originally posted by steve shipo
    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.
    • Sarabee
    • By Sarabee 21st Jun 17, 4:41 PM
    • 2 Posts
    • 0 Thanks
    Sarabee
    Hi,


    I'm brand new and have been scouring the forum for ideas on what to do in my situation but to no avail so I'm hoping you can help!


    I've recently accessed my credit record for the first time as I'm thinking of buying a house with my partner, and beyond a mobile phone, car insurance and an overdraft I've never really used much credit before.


    Much to my dismay I've found that I have a bad credit report with two old defaults (2014) recorded which don't relate to credit I took out myself.


    I've researched the names of the companies and it seems they are both debt collectors who buy debt. Both of the debts are relating to previous addreses I didn't live at and are recorded under an incorrect date of birth. I'm almost 100% sure it was debt run up by a previous boyfriend in my name as it's in the same area of the city he used to live in when we dated.


    I don't want to dig up old history and report him to the police for fraud as he was a Very Very nasty piece of work who was violent and threatening to both me and my family when we split, but equally I need these off my record if I want to rebuild my score. I am alos hesitant to pay them as they are more than a months wages combined.


    Any ideas of what I can do to have them removed would be greatly received.
    • Destabilising
    • By Destabilising 21st Jun 17, 5:02 PM
    • 38 Posts
    • 36 Thanks
    Destabilising
    A lot of credit report services do have a system where they can dispute things like this, if you have any queries about your credit report, you can go directly to the credit reference agencies and ask them to put you through to victim of fraud teams who would be able to help. I would recommend that you do this.
    • Sarabee
    • By Sarabee 21st Jun 17, 5:06 PM
    • 2 Posts
    • 0 Thanks
    Sarabee
    Thanks for coming back, I should have added that I have disputed it with the credit reference agency but they have advised me they cannot remove it and I should contact the debtor.
    But I don't have any details as I'm not being actively chased, I only have a debt name and the wrong date of birth/addresses on the credit report. When I called one of the debtors they said they would investigate, but nothing changed and I didn't receive any response. The other refused to speak with me as I didn't have an account number or reference.


    Not sure if there is a legal request/letter I can use to remove it?
    • Up the creek
    • By Up the creek 21st Jun 17, 10:44 PM
    • 3 Posts
    • 0 Thanks
    Up the creek
    Can't make DMP payment
    Hi all,
    I have been on my DMP for 15 months now and it is ticking along well, I have another 3 years to go. Unfortunately I have been faced with a massive car bill today and am not going to make my payment due next week.
    Will stepchange allow me to miss a month or make a significantly reduced payment or will this terminate my agreement with them?
    I really need my car for work but the bill is likely to be near £700 😩😱
    Thanks in advance for any wise words
  • StepChange_Kirsty
    Hi Sara,

    Thanks for your post and welcome to the forum.

    I understand your reluctance in reporting your ex-partner to the police based on what you’ve said.

    The best thing would be to contact the creditors who’ve taken out the defaults for them to investigate the matter further. If they’ve previously said they would but haven’t, or refuse to speak to you, you can make a formal complaint. Most debt collections agencies will have a complaints process section on their websites which you can follow.

    The creditor would then have 8 weeks to respond to your complaint. If you’re not happy with their response or they’ve not responded to you within that time, you can then refer the matter up to the Financial Ombudsman Service. This is an impartial organisation who can investigate your dispute further.

    Unless the creditor informs the credit reference agencies (CRA’s) that the default is incorrect, it’s unlikely the CRA’s will agree to remove these. The alternative to having them removed is to request they enter a notice on your credit file know as a “notice of correction”. This is a statement of up to 200 words that can be added to explain the cause of the debt or to explain why you think the information is misleading. This can then be seen by the mortgage lender when they make their decision.

    It is at the discretion of the CRA to enter the notice and you would need to contact all three main agencies: Experian, Equifax and Call Credit to do this.

    The defaults themselves will automatically drop off your credit file after six years from the date of entry. However, until you have formally disputed the debts the creditor would still view you as the person liable and could take further action so it is best to resolve this with the creditor as soon as possible.

    I hope this has been helpful.

    All the best

    Kirsty

    Hi,


    I'm brand new and have been scouring the forum for ideas on what to do in my situation but to no avail so I'm hoping you can help!


    I've recently accessed my credit record for the first time as I'm thinking of buying a house with my partner, and beyond a mobile phone, car insurance and an overdraft I've never really used much credit before.


    Much to my dismay I've found that I have a bad credit report with two old defaults (2014) recorded which don't relate to credit I took out myself.


    I've researched the names of the companies and it seems they are both debt collectors who buy debt. Both of the debts are relating to previous addreses I didn't live at and are recorded under an incorrect date of birth. I'm almost 100% sure it was debt run up by a previous boyfriend in my name as it's in the same area of the city he used to live in when we dated.


    I don't want to dig up old history and report him to the police for fraud as he was a Very Very nasty piece of work who was violent and threatening to both me and my family when we split, but equally I need these off my record if I want to rebuild my score. I am alos hesitant to pay them as they are more than a months wages combined.


    Any ideas of what I can do to have them removed would be greatly received.
    Originally posted by Sarabee
    Thanks for coming back, I should have added that I have disputed it with the credit reference agency but they have advised me they cannot remove it and I should contact the debtor.
    But I don't have any details as I'm not being actively chased, I only have a debt name and the wrong date of birth/addresses on the credit report. When I called one of the debtors they said they would investigate, but nothing changed and I didn't receive any response. The other refused to speak with me as I didn't have an account number or reference.


    Not sure if there is a legal request/letter I can use to remove it?
    Originally posted by Sarabee
    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_Kirsty
    Hi there,

    Thanks for your post.

    Glad to hear your DMP has been working well but sorry to hear about the big car bill you’ve received.

    Unexpected expenses are sadly are going to happen from time to time and it can be completely beyond your control. We can absolutely help and I can reassure you we’re not going to close your plan as a result.

    Best thing to do is contact us so that we can help and advise you whilst you sort out your car bill, once that’s sorted we can get you back on track with your DMP.

    We look forward to hearing from you soon.

    All the best

    Kirsty

    Hi all,
    I have been on my DMP for 15 months now and it is ticking along well, I have another 3 years to go. Unfortunately I have been faced with a massive car bill today and am not going to make my payment due next week.
    Will stepchange allow me to miss a month or make a significantly reduced payment or will this terminate my agreement with them?
    I really need my car for work but the bill is likely to be near £700 😩😱
    Thanks in advance for any wise words
    Originally posted by Up the creek
    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.
    • Cashback2017
    • By Cashback2017 30th Jun 17, 12:18 AM
    • 1 Posts
    • 0 Thanks
    Cashback2017
    Struggling to repay my credit cards
    Hi, I have three credit cards totalling £25789.87(MBNA, Halifax, AA) and an overdraft with Nat West of £4500.

    I am employed with earnings just shy of £40,000 last year. My income is commission based and I have not been bringing in as much as I am used to and June,s pay was especially low meaning I will fail to reach my minimum payments for July. I am a homeowner with equity that I could release although I would prefer to consolidate my debts to a fixed monthly payment but don't know what is best.

    I am now stressing out about it because I feel I need to make a decision quickly to avoid defaulting on my payments. My experian credit score is 907.

    Can you please advise me on what would be best for my situation.

    Many thanks.
  • StepChange_Kirsty
    Hi,

    Thanks for your post and welcome to the forum.

    If you feel you’re not going to meet your monthly payments in July I would suggest you get in contact with us as soon as possible as we’ll need further information to give you full advice.

    As a debt advice charity we cannot provide advice about taking out further lending whether secured or unsecured. If you are thinking about taking about a secured loan you need to consider this very carefully. We would not generally advise replacing unsecured debt with secured debt as it would carry more severe consequences if you later could not meet repayments.

    We can consider other ways the deal with the debts you have outstanding. The best way to access our service is through our online Debt Remedy tool where you can input details of your income, expenditure and creditors and from this we will give you advice in the form of a personal action plan. You can start Debt Remedy here.

    Alternatively, if you would prefer to speak to an experienced Debt Advisor over the phone you can find our contact details here.

    We hope to hear from you soon.

    Kirsty


    Hi, I have three credit cards totalling £25789.87(MBNA, Halifax, AA) and an overdraft with Nat West of £4500.

    I am employed with earnings just shy of £40,000 last year. My income is commission based and I have not been bringing in as much as I am used to and June,s pay was especially low meaning I will fail to reach my minimum payments for July. I am a homeowner with equity that I could release although I would prefer to consolidate my debts to a fixed monthly payment but don't know what is best.

    I am now stressing out about it because I feel I need to make a decision quickly to avoid defaulting on my payments. My experian credit score is 907.

    Can you please advise me on what would be best for my situation.

    Many thanks.
    Originally posted by Cashback2017
    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.
    • Saints81
    • By Saints81 1st Jul 17, 5:06 PM
    • 2 Posts
    • 0 Thanks
    Saints81
    Hi I am thinking of selling me house to clear debt.
    Currently my mortgage is £86000
    Unsecured debt 8 in total is £14000
    I was self-employed for 12 years not earning a lot that is why the debt came about.
    Don't have ccj but do have some of the debt on plans.
    My wife and my credit score is low to poor.
    So can not remortgage to consolidate debt.
    I now have an employed job with good pay and regular overtime.
    If we sell for £215000, take out £17000 for 1yr rent, cover fees of about £10000,
    Bank £88000, in the year improve my credit score and then use this for a deposit on a new house. Good idea or bad?
    • BECKY2007
    • By BECKY2007 3rd Jul 17, 11:49 AM
    • 1 Posts
    • 0 Thanks
    BECKY2007
    Hi I need some advice. My husband and myself have entered into an IVA with a debt company. We started this back in January. we have done all the paperwork and they have told us they have agreed terms with the creditors but we have as yet not payed or signed anything. The letters had stopped from the creditors however these have now started again and obviously interest has been added. My husband phones them constantly, all he gets is other reps who tell him the original reps will phone him back and as yet have not.
    What can we do?
  • StepChange_Rachael
    Hi

    Thanks for your post.

    For some people using equity in their property for clearing debts and having a fresh start can be a good option. For some people the stress of outstanding debt can cause a real strain on their mental and physical self.

    However, selling your property isn’t going to be the best decision for everyone and shouldn’t be a decision taken without serious consideration.

    It’s a very personal decision and I’d suggest if you haven’t already, to consider all the eventualities and how these would impact you and your wife.

    I’d suggest first of all looking into all your options to make sure you’ve explored all the possibilities before taking this decision.

    You can use our Debt Remedy tool which is an anonymous online tool where you can find out what debt solutions would be suitable for your situation. At the end you’ll be able to read through the ins and outs of your options before making a decision going forward.

    Thanks
    Rachael




    Hi I am thinking of selling me house to clear debt.
    Currently my mortgage is £86000
    Unsecured debt 8 in total is £14000
    I was self-employed for 12 years not earning a lot that is why the debt came about.
    Don't have ccj but do have some of the debt on plans.
    My wife and my credit score is low to poor.
    So can not remortgage to consolidate debt.
    I now have an employed job with good pay and regular overtime.
    If we sell for £215000, take out £17000 for 1yr rent, cover fees of about £10000,
    Bank £88000, in the year improve my credit score and then use this for a deposit on a new house. Good idea or bad?
    Originally posted by Saints81
    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.
    • bruana_brulee
    • By bruana_brulee 4th Jul 17, 11:19 AM
    • 1 Posts
    • 0 Thanks
    bruana_brulee
    Husband in hospital after suicide attempt, trying to sort out finances
    Hi
    I am looking for some help with our family debts.
    My husband and I used to earn a fairly decent salary, but fell into the trap of paying for things on available credit through catalogues and credit cards.
    His mental health has deteriorated over the past few years, leading to a suicide attempt last week. He is now in hospital receiving the care he needs.
    His earnings have been sporadic over the last few years, but we are now officially down to a one earning household. I know that burying our head in the sand will not aid my husbands recovery, and I am really keen to face our debts head on, tackle them and look to a debt free future where we can finally own our own property and live within our means
    I don't really know where to start though! I know I need to contact creditors, many of them wont speak to me where the account is in his sole name. I need to get a comprehensive list of everything we owe and how best to pay it. How do I find out what benefits, if any, we are entitled to? We have never claimed any sort of benefit before so I have no idea how to start. We have 2 cars on finance, one of which I will definitely sell. Where is the best place to sell a car to clear the finance?
    So sorry for all of the questions. I am on my own dealing with this and being in a situation like this is completely new to me.
    Thank you for your time
    Jess
  • StepChange_Rachael
    Hi Becky

    Thanks for getting in contact.

    I’m sorry to hear you’re having difficulties with this company.

    You mentioned you’ve completed paperwork but not signed anything. As long as you’ve not signed anything then any agreement won’t be legally binding.

    However as you’ve mentioned you’ve completed some paperwork but not specified what, I couldn’t say for sure.

    I’d suggest checking back on any paperwork you’ve completed to check where you are in the process at the moment and to double check nothing has been signed. If you're still unsure then i'd suggest contacting the Insolvency Service to double check you’re not in a legally binding agreement.

    The Insolvency Service should be able to let you know who the reputable IVA companies are. It’s important to check this before making any agreements and paying any fees.

    As a debt advice charity we can give you a second opinion on the debt options that are open to you, if you’d like to, you can find a link to our anonymous Debt Remedy tool here.

    Thanks
    Rachael





    Hi I need some advice. My husband and myself have entered into an IVA with a debt company. We started this back in January. we have done all the paperwork and they have told us they have agreed terms with the creditors but we have as yet not payed or signed anything. The letters had stopped from the creditors however these have now started again and obviously interest has been added. My husband phones them constantly, all he gets is other reps who tell him the original reps will phone him back and as yet have not.
    What can we do?
    Originally posted by BECKY2007
    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_Rachael
    Hi Jess

    Thanks for getting in contact.

    I’m sorry to hear you and your family are going through such a difficult time at the moment. I’m glad to hear that your husband has been able to get the help he needs and hopefully he’ll recover soon.

    There's certainly help available for you going forward to find a solution in tackling the problem debt.

    There are many different debt solutions available available to tackle problem debt, to make sure you find the right solution for your family, it’s important you know your income, expenditure and debts in full.

    To find out what benefits you’d be entitled to I’d suggest checking with Turn2us, they're a really useful organisation that can help you find out what benefits you’d be entitled to and how to apply for them. On their website you can find a benefits calculator.

    Reducing hire purchases can also be a good way to reduce expenditure but it’s important to check your contract and speak with the company to make sure this is within the terms of the agreement.

    It's also possible to return hire purchases. If you’re half way through the agreement and there aren’t any arrears then you could voluntarily surrender it, possibly without any outstanding balance to pay.

    You can look to work on your husbands behalf, if he’s happy for you to do that then you and your husband can complete a letter of authority to use with his creditors. This way you’ll have a clearer picture of the situation and be able to go forward in finding a solution.

    Once you’ve got a good idea of your household income, expenditure and debts you can use our online Debt Remedy tool once complted you can find out what debt solutions would be available for you and your husband to become debt free.

    Take care.
    Rachael



    Hi
    I am looking for some help with our family debts.
    My husband and I used to earn a fairly decent salary, but fell into the trap of paying for things on available credit through catalogues and credit cards.
    His mental health has deteriorated over the past few years, leading to a suicide attempt last week. He is now in hospital receiving the care he needs.
    His earnings have been sporadic over the last few years, but we are now officially down to a one earning household. I know that burying our head in the sand will not aid my husbands recovery, and I am really keen to face our debts head on, tackle them and look to a debt free future where we can finally own our own property and live within our means
    I don't really know where to start though! I know I need to contact creditors, many of them wont speak to me where the account is in his sole name. I need to get a comprehensive list of everything we owe and how best to pay it. How do I find out what benefits, if any, we are entitled to? We have never claimed any sort of benefit before so I have no idea how to start. We have 2 cars on finance, one of which I will definitely sell. Where is the best place to sell a car to clear the finance?
    So sorry for all of the questions. I am on my own dealing with this and being in a situation like this is completely new to me.
    Thank you for your time
    Jess
    Originally posted by bruana_brulee
    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.
    • Desperadoo
    • By Desperadoo 6th Jul 17, 12:51 PM
    • 29 Posts
    • 55 Thanks
    Desperadoo
    hi can I ask is there a list of amounts that are allowed of a DMP for groceries, telephone etc ?

    thanks
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