Money Tailor

DON79

chelseabun wrote: »

Sorry I meant the post before last!:o Gosh things move quickly when the alcohol's affecting the typing!

I have had two rather largish Baileys and am defintely feeling more merry! can't seem to stop grinning a bit!

cupcakelovely77

enjoy your alcohol chelseabun....ive been busy all day preparing for a party if i make another pinwheel i'll go even more mental..i just about to have a glass of cava ...

DON79

have your glass of Cava and relax cupcake.... its new year in 10 mins and a new start too! :T :j :T

chelseabun_3

I'm feeling quite cheerful at the mo!:D:D:D:D:D Bubbles up the nose! Marvellous!

Cupcake, sorry, we seem to have slightly gone off tangent - however we do know how stressful and depressing it is to be where you are right now, and believe me you will come through it - one step at a time. Keep asking lots of questions and put your SOA up here for folks to look at. AND most importantly, take good care of yourself! CBx

Link for SOA which you can then post here ...

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

You might get more sense from us tomorrow, tho!!;)

cupcakelovely77

sure suppose i can divulge more info as you are anonimous on here its just how uncomfortable i feel because part of me is still in denial ... only one person at the moment is taking me to county court united utilities for court fees of £40 because the DD was cancelled without me knowing it went into arrears but I have since paid it...i am confused as i have to appear on friday...

cupcakelovely77

thanks guys....happy new year to you both you sound like top people....just raising my Cava (it is the credit crunch) to you both CHEERS !!!!! and thanks

DON79

Happy new year cupcakelovely77 and look forward to helping you anyway we can!

chelseabun_3

Happy New Year! I'm off to talk to my hubby - he's feeling a bit left out! Speak soon!

fiveyearplan

Hi CCL77 and welcome to the forum. As suggested previously why don't you post up your i&e from the link given above by chelseabun. Also let us know how much you owe and if its made up of credit cards/loans etc and if they are in your name only or joint.

Give a bit more information about court tomorrow too and we can help! It is important to try and stay on top of priority debts which include council tax and utilities. As for CCCS they usually do give very good advice however lately they have given some people some unacceptable advice - still worth a call though so I'd keep the appointment you've already made. Also phone National Debtline. If you make an appointment with CAB be sure you ask to see a specialist debt advisor.

fermi

cupcakelovely77 wrote: »

I have an interview booked with the CCCS middle of Jan...but people keep telling me that they work in the favor or the creditor and not the debtor so I am a bit lost and time is running out...

Well, they are talking Bull*****.:rolleyes:

Like any big organisation, I have sometimes heard of some less than perfect advice.

But in general, CCCS tend to have your interests at heart.

They have told a lot of people on this forum to just "go bankrupt". Not exactly helping the creditors there.;)

It's best to get advice from more than one source if you can though.