advice please

gelf_3

Hi
I first posted here in February this year and have since buried my head in the sand but a month ago finally realised that I had to stand up and deal with my debts.
I contacted Payplan and discussed my debts and income, they advised a DMP which I have just signed up to do. Although they were extremely helpful at the beginning I do not seem to be able to get advice very easily from them now.I have been waiting in all morning for a phone call as i e mailed them yesterday with a queerie, I just phoned and my adviser is not in the office.
My debts total £63.000 and I need advice as to whether to go bankrupt.
I have also received a Statutory demand from Citibank. I sent a copy to Payplan and they sent it back with a letter saying I have to get it signed at my local county court (have not got a clue what to do ) which is why I need to speak to Payplan.
I will keep trying to contact them but in the meantime could anyone offer any advice please.
I am a regular visitor to this site and have read some of your helpful replies.
Thanking you all in anticipation.

riquelme

there you go, back to the top, someone should be along to offer some help

sorry that i cant other than keep trying payplan, citizens advice or one of the free debt helplines

Piquant_2

bumping you back up again, someone'll be along soon - take care

GeorgeUK

Hi gelf
Don't know much about statutory demands, but here's some details you amy find helpful.
http://www.insolvencyhelpline.co.uk/legal_issues_explained/statutory_demand.php

The first 2 things i would do are:
contact national debtline for advice http://www.nationaldebtline.co.uk/ 0800 808 4000
Request a copy of the customer credit agreement (CCA)
Details: http://forums.moneysavingexpert.com/showthread.html?t=578486
Template: http://forums.moneysavingexpert.com/showthread.html?p=11636295#post11636295

Is the debt to Citibank more than £750?
http://www.nationaldebtline.co.uk/england_wales/factsheet.php?page=01_bankruptcy

Deep_In_Debt

Can't really help other than to say have you called National Debtline? They are free and I found them really helpful.

good luck.