Is it for the best?

sambo1983

My Husband and I have lots of debt and a house that is not worth what we have in it and needs a good 20k spending on it in repairs, we are behind on the mortgage and can not keep up with the other payments. Tried seeking advice from ccss which gave us a budget and sample letters but that was it and getting an appointment at the citizen advice is impossible. I would welcome any advice. Thank you

philnicandamy

Have you tried speaking to National Debtline? they are the same as cccs but not as busy (link in my sig)

CCCS's website also do an online "debt remedy" prog just input all your details & see what it suggests.....keep posting & we'll help you anyway we can

Phil

Lost2

I went to CAB, I only had to wait a week for an appointment but it was well worth the wait as they help you all the way. So don't give up just try again for appointment

sambo1983

Keep trying the nation debt line but so far no luck. Did the debt remady on cccs, told us we can't meet our living costs and to make token offers to the people we owe money to, but I can't see our situation improving any time soon to make things better and to pay of the debt.

philnicandamy

Problem is all are pretty busy at the min.....keep trying you WILL get someone eventually to speak to (I called NDL a few weeks ago & took me nearly 40mins of constant ringing before I got through to someone)

fatou256

you could always try chrsitian against poverty in the meantime. inever try them but i heard they are equally good ( i am no bible basher) .

http://www.capuk.org/who/aboutus.php

iquit

Don't give up sambo1983. Keep on seeking advice from the free debt charities, you'll get through and get help eventually. Good luck.