Help advice needed please.

greenbrucelee

one question.

do I need all the addresses of the companies I owe or will payplan know them?

pmlindyloo

greenbrucelee wrote: »

one question.

do I need all the addresses of the companies I owe or will payplan know them?

I would think it would be very useful to have all recent statements from your creditors.

I know CAB get up to date credit reports to make sure that no creditors are missed out but am not sure if this happens with Payplan.

Personally I would gather all paperwork together ready for your telephone call.

greenbrucelee

pmlindyloo wrote: »

I would think it would be very useful to have all recent statements from your creditors.

I know CAB get up to date credit reports to make sure that no creditors are missed out but am not sure if this happens with Payplan.

Personally I would gather all paperwork together ready for your telephone call.

I have all the agreement numbers and total costs written down just not the addresses of these places.

I have not defaulted on anything yet but I will this month so I dont have any letters from anyone yet.

greenbrucelee

when people say set up a basic bank account what do they mean?

turbo.jet

Its a type of bank account, different from a current account and easy to get.

Make sure you choose a bank that isn't linked to your current bank. Its not so easy these days as they all keep buying each other!

Good luck with your journey. I'll be subscribing to this thread to read how you are getting on. You've done the right thing.

lindens

just one with a cash card, no overdraft, debit card

greenbrucelee

thanks what about halifax? (currently with lloyds).

they offer £5 reward each month for paying in a grand.

why not a debit card?

PS also started a new thread about my chat with payplan today.

DVardysShadow

greenbrucelee wrote: »

PS also started a new thread about my chat with payplan today.

https://forums.moneysavingexpert.com/discussion/3525557