hi all need some help.

garyglesga

hi there ,hope somebody can help out .just split with my partner and im in some serious financial stook. arranged a callback from a person from cccs today and they asked me to do a budget thing wich i did he then went through it with me and said i pay out to much dont get enough in as im self employed my income is not always the same. i was looking forward to this call as to get the ball rolling i think you guys call it the lightbulb thing anyway im a wee bit deflated at the moment any ideas ? thanks garyglesga.

Kazonline

I know how you feel - when I first did my assessment online it came back that I didn't have enough left over to do a debt management plan.
However after re - assessing what I could cut back on I finally got to figures that allowed me to 'qualify'. My understanding is that you need at least £5 per month per creditor spare after all your 'essentials'
My advice would be firstly to complete the online survey http://www.cccs.co.uk/) and read the advice that generates for you, and if you still don't qualify for help with them check out the CAB.
I'm sure you'll get lots more advice and support on here to, so do keep coming back and checking your thread/posting other questions.
Best wishes
Kaz x

chevalier

Hi there
If you have had a chat with CCCS, then you should have your Statement of Affairs information pretty much up to date. There is a sticky by southernscouser at the top of the forum that give you help setting it out.
There may be things that you haven't thought of that would help you cut back, and so have enough money to go back to CCCS.

You mention that you are self employed. Can you get another job to get some more money in? Or how about ebaying everything not nailed down for a short term injection of cash.
best of luck
chev

garyglesga

there aint enough hours in the day for another job the guy is sending me out everything that wee spoke about tommorow so maybe i can ave a few things i am nearly there so i will see how this helps.i was quite shocked at what i paid out but it never seemed a prob unlill i took out a loan secured on my house to pay my partner her share.

lou_lou_skinty_poos

maybe you should try payplan similar company to cccs a cahrity organistaion they dont have a minimum ammount you should be paying so give them a call or visit the website good luck