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cccs couldn't help me, HELP!!

kaylapants
kaylapants Posts: 3 Newbie
in Debt-free wannabe
filled in cccs online, they summarised what i already know - i have 30000 of debt! but couldn't offer me any help because my outgoings are 300 a month more than my income. being told to go and get a better job didn't help! not sure what to do next

Comments

  • beanielou
    beanielou Posts: 98,977 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    If you can you need to increase your income & reduce your expenditure.
    Put up your SOA when you get a wee mo & welcome to the board.
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.     ***Keep plodding*** Out of debt, out of danger.
    One debt remaining. Home improvement loan. 20 months left.
  • shadowdragon
    shadowdragon Posts: 1,686 Forumite
    Your insolvent, give CCCS a ring to talk through your options. Its better to speak to one of there advisors least you can throw around some ideas.
    "Well, that sounds like a pretty good deal. But I think I got a better one. How about I give you the finger, and you give me my phone call"
    "There is no spoon    "
    ~~MSE BSC member #172~~
  • penguin83
    penguin83 Posts: 4,817 Forumite
    Part of the Furniture Combo Breaker
    Hi Kayla - welcome to DFW. As Beanielou suggested try posting your expenditure here.

    Also agree with Shadow - ring CCCS tomorrow so they can talk you through everything x x
    Pay Debt by Xmas 16 - 0/12000
    There is something about the outside of a horse that is good for the inside of a man.
  • 10past6
    10past6 Posts: 4,962 Forumite
    Hi Kayla :hello:

    Welcome to the forums, are you sure you've used the correct CCCS?

    Look here:
    wherediditallgo wrote: »
    For those new to this, you might not be aware that there is another company using the CCCS name, at this website - www.c-c-c-s.com .

    This is not the Consumer Credit Counselling Service - these people charge for their services, & are a credit card consolidation service. I only noticed them because I went to look up the CCCS phone number & saw the link to these people at the top of the Google page.

    To get to the Consumer Credit Counselling Service which offers its services free of charge, please go to www.cccs.co.uk or click here . :)
    Click here for Martins (MSE) advice on who to contact with Debt Issues - YOU HAVE NO REASON TO USE A FEE PAYING DEBT MANAGEMENT COMPANY- THEY CANNOT DO ANYMORE FOR YOU THAN THOSE LISTED IN MY LINK ABOVE.

    All information given by myself is offered informally and without prejudice - if in doubt seek help from a qualified and insured professional
  • DoWhatULove-LoveWhatUDo
    DoWhatULove-LoveWhatUDo Posts: 393 Forumite
    I'm sorry you're so worried Kayla but if you post up you SOA many people from the board will try and help. It's difficult to do very much without more information.
  • petrafyde
    petrafyde Posts: 354 Forumite
    Hiya, don't worry you can get help here - and it costs nothing.

    If you used the charged for CCCS online service, you've been to the wrong place and it's easy to rectify by going to the right one! Nothing ventured..

    SOA = statement of affairs
    http://www.makesenseofcards.com/soacalc.html

    Be very honest and copy it on here for the really experienced moneysavers to see, there WILL be a way to cut down your outgoings I'm sure, and no matter what you write in there believe me there's always someone with worse so don't worry about that.

    Don't worry! :) Being proactive and confronting the debt is the only way to resolve it and you're here - first step already done.
    No chocolate, cosmetics or clothes to be bought before xmas day 14! ~ NPower eBay target £541.67
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