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!
The Forum now has a brand new text editor, adding a bunch of handy features to use when creating posts. Read more in our how-to guide

Please Help Me Out, Im Lost

2»

Comments

  • Hello All,

    Thank you for your continued advice.

    I am going to ring National Debt Helpline today and chase up the CASHFLOW thing they talked about. I feel like i can live within a budget but the debt needs to be put in some order first.

    Secondly, regarding the IVA - i am in a secure job and would be able to repay a set amount over the time period. In terms of Japan - the answer would be the same i think.

    Phone contract has a LOOOOOONG time to go. However, i may ring them and explain my situation and see if they can offer me a cheaper tariff with a different phone but remain in contract with them.

    easy does it now

    john
  • RAS
    RAS Posts: 36,437 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    John

    make sure you ring National Debtline as this is a charity , see below

    http://www.moneysavingexpert.com/loans/debt-help-plan#help

    I believe that even if national Debt helpline is not fee-charging, it refers you to related companies that charge fees.
    If you've have not made a mistake, you've made nothing
This discussion has been closed.
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 353.6K Banking & Borrowing
  • 254.2K Reduce Debt & Boost Income
  • 455.1K Spending & Discounts
  • 246.6K Work, Benefits & Business
  • 603K Mortgages, Homes & Bills
  • 178.1K Life & Family
  • 260.6K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16K Discuss & Feedback
  • 37.7K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.