Have I done the right thing?

Diamond66

I completed online Debt Remedy on CCCS website. Do I need to ask for an appointment with a counsellor too?

........... I'm worried and relieved... I can't believe the situation I am in - didn't realise it was quite so bad. I should have done this earlier.

Waspeze

Probably worth phoning them to go through it in more detail.

Am I right in that it gives you a reference number? (i've never done it) .. i think when you phone them you can quote this.

Not sure if i'm right as never done it myself .. soz

philnicandamy

always worth trying national debtline for an advisor as well.....cccs do seem to be a little snowed under so you could be looking at a couple of weeks before you can talk to an advisor

purplepinhead

I was with the cccs, if you give them a ring they will be able to help you. They should also give you a ref no so every time you call they will bring your file up.

Good luck

Diamond66

okay, thanks ... now that I've faced up to where I'm at I'm feeling a bit of urgency to the situation, so I'll try CCCS advisor and if need be debtline, also.

CCCS_Matthew

Hi there,

If you've completed Debt Remedy, but would still like to speak to someone about your situation you can call the number that's in your advice booklet and speak to someone without having to go through the process of ringing the helpline and waiting for an appointment.

Hope this helps,
CCCS

Dez-Titute

Hi Diamond,

What was the outcome from the Debt Remedy??

Cheers DEz

Diamond66

hi ... they have advised Bankruptcy (gulp). I'm both relieved and anxious. So worried I'll get the timing wrong but I guess the advisors will help me get it right. Thanks for everyone's support/advice

Dez-Titute

Diamond if thats what they have advised it is probably the best/only route for you.

If you fail to plan,you will plan to fail.

Always have a back up plan.Stop paying unneccessary debts
Make sure anything that you can pay upfront is done IE Car Tax,insurance,rent and get plenty of supplies in ie bog roll,sugar,corn flakes etc is taken care of and then go for it

Diamond66

.... is it wrong of me to withdraw remaining cash on credit card to use to pay rent in advance to ensure it is covered incase something goes wrong with salary/bank account?

unnecessary debts ... you mean not to pay the next due amount on credit cards? I've taken a one month payment holiday on my loan anyway, as couldn't afford it this month.

I'll take your advice re stocking up.

Diamond66

oh, one more question ... how can I justify keeping my laptop and broadband connection?