Can anyone help with some advice?

Tixy

spursfan14 wrote: »

Paid services work for some people, free service for others.

fatbelly wrote: »

:eek: :eek: :eek: :eek: :eek:

Hope that helps!

To be fair paid services do work out quite well - for the shareholders, directors and employees of the DMP company.

spursfan14

RAS wrote: »

The only people Martin recommends are the debt charities listed in his article here http://www.moneysavingexpert.com/loans/debt-help-plan#help.

I totally agree with information that is here and I would always recommend a free service like the CAB as a first port of call for financial support. It is important for people to know what is available so they can find the right service for them. There is a great different between the levels of service of Payplan or National Debt Line or CCCS, so I'm suggesting that people have a look what is out there to see what is right for them. Some people might not even need to go to a free/paid service and might be able to use the budget planners and advice on these forums to get themselves out of debt.

I don't profess to be any kind of expert, but I have learned from my several years of poor money management and subsequent dealings with debt collectors. When I was in arrears with my council tax, the CAB gave me the suggestions of Payplan or a paid services. I made the decision to go with neither and negotiate with Equita on my own behalf. After a year of difficulties, that debt has now gone. That route suited me any my circumstances. It might not be right for everyone.

Overall, if you are looking to by a car and someone says buy a ford, do you just take it as red and buy a ford or do you look at your options and see what is available to suit your needs?;)

spursfan14

dancingfairy wrote: »

Mark - you need to make sure you are getting everything you are entitled to at the moment.
First priorities are eating and keeping a roof over your head - the credit cards and unsecured loans come at the bottom of the pile.

df

Couldn't agree more. Try putting a CV up/applying for jobs on Reed or Monster. You might get some luck, they have 10,000s of jobs.

Best of luck!