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Debt Advice

Elixir
Elixir Posts: 99 Forumite
Part of the Furniture Combo Breaker
in Debt-free wannabe
Hi, Iv been phoning around the various debt advice/councelling agencies in the yellow pages, but cant find any that are willing to help with my debt as its only around 2 Grand.

Does anyone know of anyone that gives advice on how to deal with debts of this size?

Thanks.

Comments

  • nomoneytoday
    nomoneytoday Posts: 4,871 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    cccs or payplan :)

    Generally the others are blood sucking scurge monsters only after their own benefit..
  • Elixir
    Elixir Posts: 99 Forumite
    Part of the Furniture Combo Breaker
    Ok thanks, but what does cccs stand for?
  • rog2
    rog2 Posts: 11,650 Forumite
    10,000 Posts Combo Breaker
    Debt is debt, no matter how much - a debt of £1,000.00 can be as worrying as a debt of £1,000,000.00 if you can not afford to pay. Some companies appear to hassle the 'lower' debtors more because it is usually easier to collect, since this section of debtors is, often, less aware of their rights.
    So please don't be emabarrassed at the size of your debt. I would suggest, first of all, that you talk to the Citizen's Advice Bureau, Links above, as they may be able to sort you out on a plan without resorting to other agencies.
    Secondly - put the details of your debt on this thread.
    Good Luck - and you will receive lots of advice on this site.
    I am NOT, nor do I profess to be, a Qualified Debt Adviser. I have made MANY mistakes and have OFTEN been the unwitting victim of the the shamefull tactics of the Financial Industry.
    If any of my experiences, or the knowledge that I have gained from those experiences, can help anyone who finds themselves in similar circumstances, then my experiences have not been in vain.

    HMRC Bankruptcy Statistic - 26th October 2006 - 23rd April 2007 BCSC Member No. 7

    DFW Nerd # 166 PROUD TO BE DEALING WITH MY DEBTS
  • CLAPTON
    CLAPTON Posts: 41,865 Forumite
    10,000 Posts Combo Breaker
    best to post your details here .. you'll get lots of advice
    post a Statement of Affairs basically a statement of income, outgoings, debt amount, minimum monthly payments and APRs, see

    http://forums.moneysavingexpert.com/showthread.html?t=107280
  • MrsTinks
    MrsTinks Posts: 15,238 Forumite
    Part of the Furniture 10,000 Posts Combo Breaker Name Dropper
    Consumer Credit Councelling Service I believe :)

    £2k is not a lot of debt but as said if you're struggling then you're struggling :) End of argument :)

    Post your SOA and let's see if we can help you here with some advise and pointers :)
    DFW Nerd #025
    DFW no more! Officially debt free 2017 - now joining the MFW's! :)

    My DFW Diary - blah- mildly funny stuff about my journey
  • Elixir
    Elixir Posts: 99 Forumite
    Part of the Furniture Combo Breaker
    OoH thanks everyone :)

    I phoned Payplan, they told me something shocking: That because my income is low and I cant afford to pay my creditors that I can pay £1 a month to each of them!

    I did already post a thread asking for help with my income and outgoing in it, but it got lost to the nether pages of 7 or 8 last time I looked, and I wasnt sure if you`re allowed to `bump` threads in this forum or not?
  • Toomuchdebt
    Toomuchdebt Posts: 2,134 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Yes bump away :)
    Debts Jan 2014 £20,108.34 :eek:

    EF #70 £0/£1000

    SW 1st 4lbs
  • MrsTinks
    MrsTinks Posts: 15,238 Forumite
    Part of the Furniture 10,000 Posts Combo Breaker Name Dropper
    bump it all you like ;) when it's busy in here then at times things can get missed :) I tend to only check the top 2 or 3 pages for example :)
    DFW Nerd #025
    DFW no more! Officially debt free 2017 - now joining the MFW's! :)

    My DFW Diary - blah- mildly funny stuff about my journey
  • Elixir
    Elixir Posts: 99 Forumite
    Part of the Furniture Combo Breaker
    Oh ok, Ill do it now :)
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