Can anyone recommend a debt management agency/company?

michelleliverpool

Hi Folks,

I really do need help with managing my multitude of various debts.

I avoid opening the letters but when I do I just see crazy and unreasonable charges being added.

I really do bury my head in the sand as the whole thing is overwhelming.

I have 3 (maybe 4?) CCJs and then other debts of around 25K but from all different sources.

I went to the CAB 6 about 8 months ago and still havent had an appointment.

I know it may cost but can anyone recommend a reputable company or any other advice?

Would really appreciate it. Feeling :(x1000
Thanks
Michelle

isy1011

Hello. I'm no expert in this field but didnt want to read and run. Well done for posting.

Put put up a SOA (see thread) and see if people can help you. E.g. look at APR's on CC's etc. Make suggestions as to how you can cut back.

Im sure someone will come along that has knoweldge of companies.

michelleliverpool

Thanks isy for your reply. Good idea about the SOA, absolutley scares me to death though! But I guess its time to bring my head out of the sand/face my fears etc!

Hannah_10

The general knowledge about such companies is avoid avoid avoid. They will keep you in debt longer. Martin Lewis recommends you go to the CAB, the CCCS, National Debtline or Christians Against Poverty. These are all charities. If you are looking for help and support in dealing with your debts I would suggest your next call is to CCCS.

See Martin Lewis's article here Debt Problems: What to do & where to get help
See CCCS website here https://www.cccs.co.uk

michelleliverpool

Hi Hannah,

Thankyou so much. I took your advice and have just called the CCCS (caught them just before they closed) and spoke to an absolutley lovely lady called Lisa. She took some details, the balls rolling. I have to fill in the form that they are going to send and then I will have an appointment with an adviser.

I really cant say thankyou enough.

Michelle

pepe2008

Just DONT PAY ANYONE!
Not for advice, not for Debt Management and not for 'get you out of 99% of you debts by next Wednesday' deals.

Get your free advice and encouragement here.

Deep_In_Debt

pepe2008 wrote: »

Just DONT PAY ANYONE!
Not for advice, not for Debt Management and not for 'get you out of 99% of you debts by next Wednesday' deals.

Get your free advice and encouragement here.

:rotfl::rotfl:

You sound like one of those ads on the telly..."a little known government scheme" or whatever they say...!

Hannah_10

Or the phone calls...

"Hi Mrs Soandso, I am calling to make sure you are aware of a little-known peice of government legistalition which can reduce your debts by up to £8,000..."
"And I wanna let you know about another peice of government legistlation called The Data Protection Act 1998 you F***WITS. NOW GET MY NUMBER OFF YOUR F***ING AUTODIALLER!!!" :mad:

Must be working coz I get less and less calls over time, but if it does or doesn't... Ahhhh I do so enjoy getting it off my chest. :A