I need advice

suchamess

Hello, I was wondering if someone can help me. I have four payday loans to my name.i am a student and have also overdraft with natwest. After some advice from this forum and my husband stating its my issue I have to deal with it I have decided to contact cccs . I have recived paperwork filled in and sent back to them . I have alled them on Friday as one of my loans is due on Monday 11.06 which is with peachy loans. I do not have any money till Tuesday so I cannot extend that loan or pay anything . What should I do if cccs have told me that my dmp will start on 1st of July.shall I pay sOmething when I get the money or what to do. Please help ! I do aplogise for confusing and long post

freshstart11

Are you loans included in the DMP? If they are dont pay if not get that arranged.

Have you opened a new bank account?

suchamess

Yes that loan is included in my dmp.I am just worried is due tomorrow and obviously my dmp starts from july.Thank you for that response.I did open new bank account .

Hopelessly_Hopeful

suchamess wrote: »

Hello, I was wondering if someone can help me. I have four payday loans to my name.i am a student and have also overdraft with natwest. After some advice from this forum and my husband stating its my issue I have to deal with it I have decided to contact cccs . I have recived paperwork filled in and sent back to them . I have alled them on Friday as one of my loans is due on Monday 11.06 which is with peachy loans. I do not have any money till Tuesday so I cannot extend that loan or pay anything . What should I do if cccs have told me that my dmp will start on 1st of July.shall I pay sOmething when I get the money or what to do. Please help ! I do aplogise for confusing and long post

Hi and welcome

Dont worry, it's all manageable. All you need to do is send £1 token payment.

Why don't you come and join us on one of these support threads. If you read the back pages you will learn loads about the journeys people go on etc.

https://forums.moneysavingexpert.com/discussion/3723081

https://forums.moneysavingexpert.com/discussion/3284382

HHx

suchamess

Thank you. I think my husband does not help . I have told him what have I done but he just keep reminding me that now the bailiffs will enter the house and he will have nothing to do with this. That was the reason I have contacted cccs as all my debt is 1825 and I want to pay it off I cannot afford that on one go . I do hope cccs will be able to help as that really worry me . Thank you

bottleofred

Hi suchamess and welcome to the forum,

You did the right thing regarding changing bank accounts etc. The one thing I'd say about any debt, is that companies and debt collectors make threats up to but just short of the point of death etc. I'm not sure about the Bailiffs as I live in NI, but if you search there will be information about them on the forum.

Good luck

Red

heartbreak_star

I think your husband needs to try and be a bit more supportive - £2k is not too much to sort out at all and he obviosuly knows nothing of bailiff laws if he thinks they'll be magically knocking on the door.

HBS x

RAS

suchamess wrote: »

Thank you. I think my husband does not help . I have told him what have I done but he just keep reminding me that now the bailiffs will enter the house and he will have nothing to do with this.

Your husband plainly does not understand bailiff law or even consumer credit law.

The one thing he does need to understand is that if there is a bailiff at the door, you do not open it.

Have you spoken to student welfare at college/uni. They will have a debt advisor.

suchamess

Thank you Ras. I have spoken to them and it would take long time to get sorted at Uni. I want to pay it and nOt trying to avoid it. My husband talking more scary me than anything else. I contacted cccs and they processing my papers today so hopefully it would be some kind of relief. I have contacted all payday loans and I am not sure if that is commOn to politely write back in my perspective that my debt management team should contact them and they will try resolve it. It sound to good for them just to agree.