Newbie and in trouble

Sinkingindebt_2

go to the Old style board, post on there that your skint, you need cheapest ideas and can anyone help, either that or do a search on there as there is a meal idea thread somewhere.

Also shop in pounland for bin bags cleaning products, I have saved a mint since gonig there and stop trying to be a snob and only bying expensive stuff!

in-trouble_3

Sinkingindebt wrote:

right go to Consumeractiongroup.co.uk/forum and reclaim, I got £5k back when it first started.

Dont call the bank they wont refund much if anything. Go to CAG and ask them there.

you can do the CCCS one online, enter all your details and it will do it for you and recommend a plan of action. Do it in your name though, have you signed anything with the other company?

Have not signed anything with the other company, they just sent the details and hubby spoke to them and said we will join it in january but they dont know references numbers or bank details which is a good thing.

do cccs contact you via telephone?

has for the bank charges i will be telling hubby to claim them back

in-trouble_3

immoral_angeluk wrote:

We buy own brand everything. The quality is the same but they reduce the cost my minimising packing etc. A lot of the own brand stuff is made by the larger companies anyway but the cost to produce is much lower so they can charge you less at the till. We currently spend about £40 p/m in iceland and about another £70 in tesco (includes nappies), plus probably about another £20 for bread/milk (We have 2 kinds of milk, semi skimmed and whole because our daugter can't have semi skimmed yet) for the month. We're expecting this to go up when our new baby's born as we'll have added formula/nappies costs but it's all about shopping around and getting the best deals.

thanks for that, you have been brilliant

Sinkingindebt_2

right, you can call CCCS and they will help you on a freefone number or you can do it online. They have been good to me, and to many I know!

Can you swap everything into your name if your hubby is away you will need to deal with everything.

in-trouble_3

immoral_angeluk wrote:

uh... not sure exactly. I presume they do it jointly but for them to deal with you it'd need to be in your name. You hubby would have to agree to it though..
sorry not much help as I haven't had any dealings with Payplan but there are lots of people on here who have so it might be worth posting asking that as a seperate post with payplan in the subject line..

hubby has agreed to it, he concerned just like me, and the debt is getting out of hand

in*the*red_6

in-trouble wrote:

anyone have any ideas? is it worth contact the bank and seeing what they can do?

Banks are very good at trying to sell you a loan to consolidate the whole lot over a longer period to make your payments lower (& more interest for them). Don't do it - contact CCCS instead!!

in-trouble_3

Sinkingindebt wrote:

right, you can call CCCS and they will help you on a freefone number or you can do it online. They have been good to me, and to many I know!

Can you swap everything into your name if your hubby is away you will need to deal with everything.

do you have the website address for cccs?

everything is basically in my name bills but the debts are in hubbies name, apart from barclays, capital one oh sky is hubbies name has well.

immoral_angeluk

in-trouble wrote:

thanks for that, you have been brilliant

Glad to help. We were in pretty much the same boat middle of october. Since then we've reduced out monthly outgoings by nearly £300, paid off 4 debts as well as getting everything sorted for our new baby AND christmas without getting into more debt or spending more than we could afford. This site is great especially if your hubby is away with the forces because I know you can fele really lonely sometimes so it's great to have sympathetic ears to talk to who can give decent advice.

in-trouble_3

in*the*red wrote:

Banks are very good at trying to sell you a loan to consolidate the whole lot over a longer period to make your payments lower (& more interest for them). Don't do it - contact CCCS instead!!

ok just thought that the bank would help us out, but we dont want a loan or another credit card, that will get us in more debt.

immoral_angeluk

in-trouble wrote:

do you have the website address for cccs?

everything is basically in my name bills but the debts are in hubbies name, apart from barclays, capital one oh sky is hubbies name has well.

https://www.cccs.co.uk