Help and Support Needed

dottydora

dreamcatcher73 wrote: »

I actually never realised my true I&E until I phoned one of my creditors to make an offer of payment pre BR. They went through the figures with me and got halfway before they stopped me and said I was already in a negative amount!

Needless to say I went BR not long after :rotfl:

Your creditor was clearly not HSBC I guess then, as when I did my I & E with them pre BR they suggested all sorts of cut backs from already slashed amounts to live off. They didn't get it when I said I ran out of money 2nd or 3rd week into every month and had to use candles for lighting on occasions when electric meter ran out. They still went on to suggest ways to cut back! Boy do I miss them - NOT!!!!:rotfl:

dreamcatcher73

dottydora wrote: »

Your creditor was clearly not HSBC I guess then, as when I did my I & E with them pre BR they suggested all sorts of cut backs from already slashed amounts to live off. They didn't get it when I said I ran out of money 2nd or 3rd week into every month and had to use candles for lighting on occasions when electric meter ran out. They still went on to suggest ways to cut back! Boy do I miss them - NOT!!!!:rotfl:

No, it was barclaycard, they led me into a false sense of security though. When they were doing I&E they said they realsied I had no spare income, but it didn't stop them phoning me several times a day though when I didn't pay them! And no, I don't miss those phone calls :rotfl:

Tobiwan_Kenobi

Clare1985 wrote: »

I spoke to debt free direct for my mum, but seeing some of the comments on here now i think I should contact a different company.

As someone else mentioned, "Debt Free Direct" are not a charity, they're a company out to encourage people to take on IVAs to "free themselves from debt". Don't be fooled, they do this to make money and lots of it. My understanding is that they take more cash from an IVA than the actual creditors in many cases.

You MUST speak to CCCS, National Debtline or CAB - They won't try to sell you anything, they'll simply try to offer the best advice they can. BR sounds like a viable option if they have no assets to protect.

So_Sad_Angel

Hi Clare1985

Well done you for supporting your parents & trying to help them out like this ....you deserve a great big <<<HUG>>> !!!

As others have said....get impartial FREE advice from the free charities (CCCS, Nat Debtline, CAB)....never ever go to a fee paying organisation like DFD (anyone got a picture of a circling vultures??) ....they are just preying on the vulnerability of those who are in debt panic.

Here is a link to a CAB site that has a fantastic debt self help section....it is a great reference source.

http://www.ned-cab.org.uk/debtselfhelp/index.asp

Your parents will be able to sort this situation themselves with your help. Hopefully finding this forum will help you to realise that they are not alone.

Angiexx

dalip

You could also go to www.cccs.co.uk and try their debt remedy. They then give you a personal number so when you do ring them thy have all your details to hand.


Please do not have anything to do with DFD they are vultures praying on the vulnerable. Take it from me....i nearly did a IVA with them;).


Well done you for helping your mum.

Oh and do not worry about that holiday too much. I took one in the july of the same year i went bc.Unless of courseit is megga expensive,then that may get frowned upon,but nothing bad would happen.Dx

Clare1985

Im going to speak to CCCS or CAB or maybe the debt line for my mum and see if we can take it from there.

So it wont matter if my mum paid her holiday off on her credit card? It wouldn't affect anything? They are looking at changing it to a weeks holiday instead of 2 weeks so its cheaper. Do you think they should stick to this or would be better to downgrade to a weeks holiday.

Can you speak to CAB on the phone?

philnicandamy

Wouldnt worry too much about the holiday unless its something that was mega super expensive...i'd booked 2wks away on credit cards when I went bust over 2yrs ago...and it was NEVER questioned

Unfortunatley you cant speak to CAB over the phone...nothing to stop you trying to ring for an appt...same as others though they're very busy so keep trying!

Clare1985

Thanks for all your help. I feel slightly better now about the situation.

Say if my mum had to go BR would she loose the house she rents?

philnicandamy

Depends......you'd have to look in the tenancy agreements to see IF there was a bankruptcy clause...and no debts owing rent?.. a fair few people here have managed to stay in rented houses with no probs during bankruptcy