Questions Re Paypla/cab etc

BigDebtBoy

hi guys
i have been trying to sort my debts out myself over the last year or 2 but its just getting worse so i am going to phone for some advise to discuss either a dmp/iva or bankrupcy
who should i ring ?

Payplan
Cab
Cccs
National debt helpline
someone else



cheers guys going to get this sorted i cant sodding sleep at the moment and its affecting my work
im also getting realy stressed out and arsey with friends/family for no reason so need to sort it out ASAP

OH YEAH WHY ARE PAYPLAN NOT IN THE RECCOMENDED SECTION ARE THEY NOT AS GOOD ??


sorry for the caps

isgman

I it first contacted PayPlan, and found them helpful, they advised me to contact the CAB, and they have been great.. Good Luck

Bunnie1982

My fiance contacted CCCS and they have been brilliant, however Payplan are also very good and are well recommended

Have no experience of the others

ozzyfan_2

BigDebtBoy wrote:

OH YEAH WHY ARE PAYPLAN NOT IN THE RECCOMENDED SECTION ARE THEY NOT AS GOOD ??

Hi BigDebtBoy

Payplan are going to be added sometime in the future after another poster (I think it was Lenny) asked Martin for them to be added. I am with CCCS but from what I have read Payplan are just as good & you don't have to wait so long to have a telephone appointment with them.

Good luck & try not to worry as I'm sure that once you have spoken to them you will feel alot better

BigDebtBoy

cheers guys
im a idiot for getting into this mess started by getting a bit of debt probally about 7/8 and i panicked stupidly started gambling to try and win the money back i had spent on cc's then consolidated with bank
they sent me a new card and i spent well maxed it out again
i have been trying to sort it out myself but the amount coming out as just made me get in deeper
i run my own business so should know better realy oh well

anyway what i realy need to know now is

i havent rung them today as i have been busy but wil deffo ring them tommorow is there anythings i could get sorted in advance of the phonecall etc etc so i can get a move on quicker
what are the first things they are going to ask me to do ?

i havent paid my cc bills for last month and this months are just arriving now plus my business account and personal account are all over the agreed limit ?

should i ring cab first or payplan (will payplan tell me to ring cab first before i speak to them ?)

cheers guys as much help as poss needed so i can get preppared and maybe sleep tonight lol

BDB

System

BDB

You need all the details, account number amount etc for the initial phone call. Defo phone 'em, don't hold it off. I would be reluctant to not pay any of my creditors whilst I am waitng for any help to be established. Make a token payment to each of them. Maybe let them know as well!

Once you make that first phonecall you will feel soooooooooooo much better.

Payplan's link will be included during the next set of housekeeping which is in the next couple of days. Its not that payplan are not very good its just an oversight really.

Keep the faith

Lenny

streetgirl74

Go to your local CAB and they will be able to help you, they are really nice and dont judge you. I will agree with everyone else and say you will feel much better after talking to someone, good luck :T

BigDebtBoy

cheers guys
so basically i am better phoning cab first rather than payplan ?

is all i need the details of my debts etc ?

oh and so much for getting some kip tonight

fizzel81

we have just swapped over to payplan from b&e all fine so far

BigDebtBoy

any other advice anyone ?

grace

Im afraid Im going to go against the grain....the CAB I went to were useless....but had a good advise form CCCS....