We’d like to remind Forumites to please avoid political debate on the Forum.
This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
Help With Debt Relief?
fuzzystrudel
Posts: 5 Forumite
I'm wanting to start a debt relief order and was told before i could i needed to contact all of my creditors and get some updated balances. I contacted 1 of them and was told they'd send me a balance out, 3 weeks later i still haven't received anything from them so contacted them yet again on monday and was told then that they don't send out balances only tell them over the phone as the balance changes from day to day. I've tried ringing the CCCS's bankruptcy helpline for help for the past 4 days now but just can't through at all. Can anyone offer any advice? is there any other way i can get my creditors to send me my balance through the post? only i need proper paperwork from these people before i can start my order and i need to start it asap.....thanks.
0
Comments
-
fuzzystrudel wrote: »I'm wanting to start a debt relief order and was told before i could i needed to contact all of my creditors and get some updated balances. I contacted 1 of them and was told they'd send me a balance out, 3 weeks later i still haven't received anything from them so contacted them yet again on monday and was told then that they don't send out balances only tell them over the phone as the balance changes from day to day. I've tried ringing the CCCS's bankruptcy helpline for help for the past 4 days now but just can't through at all. Can anyone offer any advice? is there any other way i can get my creditors to send me my balance through the post? only i need proper paperwork from these people before i can start my order and i need to start it asap.....thanks.
You could send off for a copy of your credit file. Did you get a credit file form after your appointment?I am a Debt Counsellor that works for the CCCS and have specific permission from Martin, to post on these boards to try and help those in debt. Read more information on the CCCS and what it does in the Debt Problems: What to do and where to get help article.
CCCS is a registered charity, and there is no charge whatsoever for any of the services we provide to our clients. We take great pride in offering first class help and advice, but we only offer this where we have been able to fully explore and understand your circumstances with you. We want to help you understand these choices and their possible implications but not make them for you.
0 -
I sent off for a credit report but was told i still needed updated balances from my creditors aswell as the report. Would it help if i wrote to these companies?0
-
fuzzystrudel wrote: »I sent off for a credit report but was told i still needed updated balances from my creditors aswell as the report. Would it help if i wrote to these companies?
It’s worth a shot, hopefully they will respond. I would recommend that you keep trying over the phone as well.I am a Debt Counsellor that works for the CCCS and have specific permission from Martin, to post on these boards to try and help those in debt. Read more information on the CCCS and what it does in the Debt Problems: What to do and where to get help article.
CCCS is a registered charity, and there is no charge whatsoever for any of the services we provide to our clients. We take great pride in offering first class help and advice, but we only offer this where we have been able to fully explore and understand your circumstances with you. We want to help you understand these choices and their possible implications but not make them for you.
0 -
Thank you. Don't they by law have to send me a balance though?0
-
Make sure you don't tell them that you are going for a DRO or they will be very difficult with you.0
-
Hi,
So long as your not too close to your 15k limit then it is ok to over estimate the balance to make sure the debt is fully included.
There is no penalty for over estimating and its far less hassle than contacting all your creditors, which is the last thing I would want you to do if you were my client.
DDDebt Doctor, Debt caseworker, Citizens' Advice Bureau .
Impartial debt advice services: Citizens Advice Bureau Find your local CAB *** National Debtline - Tel: 0808 808 4000*** BSC No. 100 ***0
This discussion has been closed.
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 352.1K Banking & Borrowing
- 253.5K Reduce Debt & Boost Income
- 454.2K Spending & Discounts
- 245.1K Work, Benefits & Business
- 600.7K Mortgages, Homes & Bills
- 177.4K Life & Family
- 258.9K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.2K Discuss & Feedback
- 37.6K Read-Only Boards