hi, any advice on these guys please?

T.J_5

hi,
I finally bit the bullett today and called my main creditor to arrange a payment plan. Needless to say they refused it and then started to rant and threaten to send in bailiffs to take away my posessions and kids beds etc...etc...:rolleyes: so, i rang a company called *debts uk*. They have said i need an IVA. The thought of being debt free in 5 years is absolutely amazing. Has anyone had any dealing with them? I cannot find anywhere on the site that says they charge. But, having read the people recommended here i'm now wondering if there is some small print somewhere. It does say on the home page that i am under no obligation and all advice is free. Does the no obligation bit ring alarm bells which translate to "if you decide to go ahead with us we will charge you extortionate amounts?" I desperately need to get ths sorted as the creditors have told me they can make me bankrupt as well?
Any advice would be really appreciated:A

sparklebabe21

omg how scary then threatening to send in the bailiffs , i cant help but think they should of been more helpful!!
I have no idea about the charge -which isnt very helpful, but to be honest the alarm bells would ring in my head too as id be worried that doing this would get me into more of a mess!
hope somebody here can help you further (im a newbie!!)
good luck with everything xxx

moozie_2

Hi there and sorry about your nasty experience!

Please call CCCS or Payplan, they are charities, completely free and creditors are in general happy to deal with them. Having said that, IVAs are not free so every company will charge you, the difference is how much.

Have you posted your SOA here? That may be an idea to get you started as you will need all your incomins/outgoings in hand for your discussions on IVA or which ever solution suits you.

Good luck!

Mike_St_Helens

I second that - Payplan are fab, so are CCCs ! Please Please call them.

pms

Hi T.J

Alot of people on this board will probably give the same advice but speak to CAB, CCCS or Payplan. These are all definately free services

Good Luck

Dr.Shoe_2

There are only three organisations I would recommend when dealing with debt: Payplan, CCCS and CAB. The CAB don't do IVAs but they're very, very good at advising you of your options and signposting you to the most suitable organisation for your own personal circumstances. For IVAs use payplan or CCCS, they are essentially the same.

james32_uk

Echo the above! Payplan or CCCS. You go girl!

james32_uk

james23_uk wrote:

Echo the above! Payplan or CCCS. You go girl!

If, of course, you are a girl?

moxie_2

'They said I need an IVA' is what you wrote. I wouldn't take their word for it. They will charge you. And an IVA may not be your best option anyway. I've got a DMP (debt management plan) with Payplan. They are a fantastic organisation, can't recommend them highly enough. Please look at all the options and get professional, FREE, advice.

Willsnarf1983

payplan or cccs as everyone says

Will

T.J_5

james23_uk wrote:

If, of course, you are a girl?

I am indeed a girlie :rotfl:

I have contacted cccs before but we were on benefits and they said the best thing to do would be to make token payments until hubby had found a job. (He hurt his leg at work and was off sick for nearly 2 years.) But, he is better now and back at work. They did say to get back in touch with them when he was back at work and earning. I'll dig the paperwork out and ring them tomorrow. This is the only debt we have where they won't accept offer of payment. The guy was a total knob. Luckily as cccs had informed me of my rights when i spoke to them before, i told him that as he had refused my offer the legal proceedings he threatened me with would be most welcome as the court would not make me pay more than i could afford. I also told him i would explain the refusal to my debt counsellor. He soon changed his tune then:D He wants a copy of a financial statement. By monday!!! Did i do the right thing sticking up for myself or have i just really pizzed them off??