Need some help for my brother please

scw1

Hi all,

I know when I was in debt you lot offered me a lot of help and advice and I was wondering if you could help me regarding my brother.

I have found out that he is in debt, not sure how much exactly but def at least £5k. He doesnt like to tell me anything about his finances but I know that he has had letters from the banks telling him he is overdrawn, cheques have been bounced, he is behind with his loan etc etc.

He wouldnt come on here I know he wouldnt so was wondering if you could give me the names of some companies he could contact who would take a lump sum out of his wages and then pay them towards his debts so he only has one payment going out every month. I want to help him sort them but he is a 20 year old who wants to go out with all the lads drinking clubbing etc but clearly cant afford it but his head is stuck in the sand.

I am so worried about the state of his finances but I dont know which way to make him see sense. Thanks

mjdh1957

It's good he has someone like you to care about him, but if he has his head in the sand then I don't think anything anyone does for him is going to work - he needs to have his own lightbulb moment and that might be some way away yet.

As for companies, avoid any that charge fees. The recommendations from here are CCCS and Payplan which are both charities and do it for free. Have a look on their websites and see what's on offer.

Good luck!

lynzpower

I agree. With the best will in the world, you cant change his life for him, only he can do so.

Have you told him about how we helped you and the power of MSE?

immoral_angeluk

mjdh1957 wrote:

It's good he has someone like you to care about him, but if he has his head in the sand then I don't think anything anyone does for him is going to work - he needs to have his own lightbulb moment and that might be some way away yet.

As for companies, avoid any that charge fees. The recommendations from here are CCCS and Payplan which are both charities and do it for free. Have a look on their websites and see what's on offer.

Good luck!

Completely agree. If he hasn't actually realised there's a real problem then you helping him isn't going to work as he'll end up reducing his outgoings on a DMP or consolidating but running up the debt again with the spare money he's saved and will be doubley worse off.
Point him in the direction of the CCCS and Payplan but you need to let him work it out for himself or else it won't work unfortunately.