New here need some questions answered.

IF

skylight wrote: »

Perfect! And debt free, worry free and hassle free. The best way to start a new life!

Couldn't have said it better Sky x

karend1980

Hi everyone, I went to the CAB and got some advice. I have got to see the debt counsiller there but cant see him for 3-4 weeks eeek. They gave em some letters to send to my creditors to buy me time.. I have also applyed fr a coop account online and got acceptd andnow waiting for the paper work to come through.
You got to love LTSB they charged me for going overdrawn with there own overdraft charge .. if you get what i mean. They made me go over and charged me too.. bless them lol

skylight

If you wanted to, you could also try calling CCCS or Payplan and talking over the phone to an advisor.

If you don't want to wait for the debt counsellor and you decide you have enough info to make an informed decision about BR, you are allowed to go BR. The judge will ask you if you have taken advice (you have spoken to CAB already, but talk to another if you want). It's not a legal requirement to talk to a debt advisor etc. Just reccommended so that you can ensure you have crossed every t and dotted each i.

karend1980

skylight wrote: »

If you wanted to, you could also try calling CCCS or Payplan and talking over the phone to an advisor.

If you don't want to wait for the debt counsellor and you decide you have enough info to make an informed decision about BR, you are allowed to go BR. The judge will ask you if you have taken advice (you have spoken to CAB already, but talk to another if you want). It's not a legal requirement to talk to a debt advisor etc. Just reccommended so that you can ensure you have crossed every t and dotted each i.

I have done a lot of research on BR and I know in my heart its the right thing to do. I'm also pretty sure that the cab will say i should too. I will give another company a call though.

Sunnylooloo

Hi Karen

such a shame you can't see anyone sooner.

I called National Debthelpline and I found them really helpful (even when I became an emotional wreck on the phone - she offered to call me back!! but I pulled myself together)

Good luck

x