in debt need help please?

dereek21

Hi,

I am 4k in debt with credit cards.. Was paid off a month ago and dont have any protection..

a mate advised me to speak to debt advice scotland...
as i was looking to see if they would contact credit card companies and get them to stop the interest.. just so i was paying back the money i owed..

can anyone help?
i dont know what to do?

thank in advance

Derek

RAS

Hi

DAS would be a good idea, or NDL, who also support Scottish debtor http://www.nationaldebtline.co.uk/scotland/ They are open into the eveing if you want to call them.

Alos post up your SOA here and we may have some ideas.

The most important thing is - are your signed on? getting all the benefits you should? You need to pay the rent, Council tax - have you claimed a rebate? - utiliies and food. All else is going to have to hang.

dereek21

thanks will do!

sorry what is SOA?


I am signed on and getting job seekers allowance, applied for council tax discount and have a mortgage protection plan..

claimed a rebate?


sorry for the ignorance.. not 100% sure about all this..

thanks

Derek

RAS

Rebate - what you called CT discount.

SOA http://www.makesenseofcards.com/soacalc.html

This is a sort of summary of your monthly finances, and helps the wonderful people here work out where you can make savings and how you can best pay off your debt. Fill out absolutely EVERYTHING as honestly as you can (you can always revise it later if you forget something), then use the 'MSE' button in the 'Format results' section near the bottom. That will give you a version of the results you can copy and paste straight into a new post in this thread, and people can get to work helping you sort things out.

glad you have mortgage protection.

Do you have any stuff to sell? If you do the calculation, would you gain anything getting a lodger?

Check whether you have PPI or charges on any of the accounts, or any old one?