Just called CCCS

halphy

What a relief, I will sleep a bit better tonight.

Me and my husband have cc's,overdraft and loan totalling about £24,000 he was self employed and was left with huge overdraft and credit card, now we have jobs we are finding it difficult to pay all our creditors.

I took the bull by the horns and wrote everything down, what we earned, outgoings etc and called...I nearly cried, its only when u say ur in a mess that it hits you!

The lady was lovely at the CCCS didnt judge, she made me feel so much better by saying 'we can help you'.

I only found CCCS from this site, I have an appointment for the 28th so fingers crossed.

Thanks everyone

savingmummy

Well done. Glad you feel a little better, it is a relief when you get help and can finally start to see a light at the end of the tunnel.
Good luck, let us know how you get on x

Verbatim

Why not post up your budget sheet here for folks to see if we can suggest a few savings or alternatives?

well done on making the call to CCCS and good luck with the interview.

JES_F1

Well done for making the call to the CCCS - they're fantastic.

While you wait for the appointment, have a look at the Debt Remedy on CCCS' web site (http://www.cccs.co.uk). It's a brilliant tool covering all the different types of income and expenditure - even things like newspapers.

comp1

I can say that that call will be one of the best things you could have done i have now been debt free and happy for 2years and the CCCS people were very much to thank. They helped me through a very hard time with great advice and support.
Here's to a brighter tomorrow :j

Nargleblast

Well done halphy and welcome! Let us know how you get on!

Takingcontrol_2

Well done!

true27

Thats great news, well done! I've had my first appointment with the CAB today so I empathise with you on the sleeping better tonight! CCCS are brilliant, I hope it all works out for you

halphy

Thanks everyone, Just a quick question the lady at CCCS asked me to now to call my creditors about freezing interest/charges etc, How would I word this to them when I call? She said offer them what I can when i call, don't favour one more than the other and if they dont agree to what u can pay tough, send it anyway. Just need to know to say when I call!