Please, please advise me about the mess I am in!

jazzythumper

right, would court notices have been served in the last 6 months?

Ames

I don't know, none of my creditors have ever taken me to court. Is it 6 months since you first defaulted? I'd say it's unlikely that you'd have a court order without you knowing, but I'm not an expert on these things. I'm sure someone with more knowledge than me will be along.

jazzythumper

Does anyone know which is the best charity to speak to in this situation?

Ames

I found it best to talk to a few and then I had a choice of options to go with, and could take the course of action I was most comfortable with. I spoke to CCCS, CAB and National Debt Line.

jazzythumper

email or phone?

RAS

RING one or two of these charities

Consumer Credit Counselling Service: Full debt help service. Link: CCCS Tel: 0800 138 1111

National Debtline: Full debt help service. Link: National Debtline Tel: 0808 808 4000

Citizens Advice Bureau: Full debt and consumer advice service. Link: Citizens Advice or visit your local CAB centre (find nearest)

Christians Against Poverty: Debt counselling agency, which specialises in helping those who are emotionally struggling too. The religious focus is why they do it, not how they do it. Link: Christians Against Poverty or call 01274 760720.

It is a lot easier for them to ask you a quick question to clarify the situation over the phone.