Help needed asap b4 14:00 hours

martin_a_2

hi all, In problems and need some advice quicly . I have 3 main creditors and am 45K in trouble , I have done all the bugjet planners but what has happened is MBNA has excepted my reduced payment as has Northern Rock. BOS/Halifax are refusing to accept my 100 payment per month as this is my only income that i have available left. They will not accept on the p loan but will on CC... what can i do??

kew63

Ring National Debtline, you should be able to get through to someone to speak to today.

iquit

Hi MA, have you tried to get free professional advice from CAB, CCCS & national debtline? These are better placed to help you convince BOS/Halifax. Why the urgency?

martin_a_2

am going into the branch at 14:00 this afternoon.... have just spoken with CCC ...but HBOS are pushing me am having 15-20 calls per day and I am still in work but work for financial institute who would terminate my employment if they are made aware!

iquit

Sorry I'm not an expert in this. Can you not postpone the meeting until you've had advice? If not I would strongly suggest you not sign any paperwork without having a chance to get it explained to you by an expert (not affiliated to HBOS). Was your offer of £100 made in writing and declined in writing?

elfen

Any more than 8 a day is harassment. There is a letter on here asking them not to phone you as it is harassment but I can't remember where it is.

martin_a_2

i was asked to complete a payment plan and faxed this to them.. It clearly staed the spare £100 and when speaking to them they said that they would only accept £161, so its a no win situation as well they know. so they are not giving me any help whatsoever.

martin_a_2

thanks to all , your making me feel positive.. the call count is 52 calls in the last three days. also i receive 3 letters on average per day from HBOS.

iquit

Sorry Martin, I wish I knew what else to tell you. The more experienced members of the forum must be out/at work/etc. I'm sorry you going through this 'harrassment', maybe get caller id and don't answer unknown numbers. Have you considered delaying appointment until you get advice?

martin_a_2

i have been in this week before and really keen to keep going at it.

So_Sad_Angel

Hi Martin

I know how the panic can set in sometimes especially with the endless calls & letters etc....its will be dominating your thoughts just now but try & stay calm & I would strongly suggest you speak to one of the debt charities asap.....Nat Debtline are usually call & chat whereas CCCS / CAB are appt based.

Here is a link with loads of info to read up on...

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

Make sure that your creditors know that you are seeking advice. The main thing is that you still have the means to make some payment & indeed it is your wish to settle this matter.

Good luck with dealing with this....remember knowledge is power & use this to make an informed decision...that will make you so much more in control.

Sorry for the waffle.

Angiexx