Help..

WASHER

FSCC, could you remove your partner from the soa then, it could be confusing for people, and just add a note in the groceries section that you have a partner paying for the groceries, and the fact that your finances are seperate. Is the £200 extra income from your partner, if so, add a note. It will save lots of people commenting on the fact you seem to have a partner according to your SOA who isn't working . You can edit your first SOA by clicking EDIT button in the right hand corner.

WASHER

How are you managing at the moment to pay your creditors? you can get templete letters on this board to send to your creditors to offer token payments. Are you getting phone calls from your creditors? If so, you can get a letter from here telling them all communication in writing only. My advice would be to change your phone number or get caller display, the phone calls can be a nuisance AND DO NOT THEM THEM BULLY YOU INTO PAYING MORE THAN YOU CAN AFFORD if you do speak to them, alternatively, do not give them answers to your security questions, they should not speak to you without confirming them.

FSCC

thanks you have edited soa. good juggling not all are paid on time.. creditors are on standing orders do not hear anything from them in general but can be between 1 -2 months in arrears at a time.

WASHER

Do you have an overdraft? If so, pop that into the unsecured debts section too, its best to have an honest and full picture.

Can you rent a room out to a lodger? That could bring in some much needed money to help you out.

Have you got anything to sell? If so, try Ebay or Amazon.

Can you change your mortgage to interest only for a while? I'm not sure this will be possible with the negative equity but have a try.

Any luck inputting figures into the CCCS website yet?

FSCC

no i have no overdraft. Live in a small two bedroom house with two people so no room for a lodge unfortunally.
Have told everything i can sell.
morgage is already intrest only fixed term ends in july payments should drop by 370 a month providing intrest rates dont rise by more then 1%.
Answered questions on cccs dedt remedy and has come up with emergency advise!

WASHER

I doubt very much interest rates will rise at all this year, (according to SKY NEWS) so I think you may have some extra money to throw at your debts after July.

What emergency advice has it given you? Do you need letters to send off to creditors offering them token payments? I could get the link for you, if you need them

FSCC

cccs =
Emergency Advice
From the information you have provided it is important that you take some
immediate steps before you can consider any long term solutions to your
current financial difficulties. Please follow the instructions below to access
the emergency advice booklet and make it your first priority to read
and digest the information.


I got a dmp from cab yesterday and am now filling out and will return it today and they have said they will act on behalf of me. but thank you yes the link would be very helpfull..
thank you for all your advise much appreciated.

WASHER

FSCC, you are most welcome and if you need any further help today, tomorrow, next year come back and we will do what we can to help.

I wish you the best in clearing these debts, the road to becoming debt free isn't an easy one, can be a little rocky at times, but the peace of mind at the end of it is certainly worth the journey.

WASHER.x.

FSCC

Thank you

fscc x

Numpty_Monkey

Links to Templete leters
try this
http://www.nationaldebtline.co.uk/england_wales/debt_advice.php