BR? Feels like my only option

Tonythetiger

Hi I'm 24 and currently Have around 12k worth of debt, I don't have any assets apart from a tv lol. I have a stable job earning 17500 a year.

I'm in such a mes that I don't know what to do. I have a dmp with cccs and feel like its not working, creditors still writing to me weekly with letters explaining how much I am overdue and one claiming I will invite court costs as I have defaulted.

I owe 4 different pay day loans totalling to around £2250 included above in the amount and these are all harassing me daily for payment.

I can't afford to even pay them anything ad just manage to keep my regulate payments to my dmp. I just feel that the only way to turn would be BR as I have nothing else I can do.

Any advice whatsoever would be greatly appreciated.

Tonythetiger

Bump
- need help !

System

Tonythetiger wrote: »

Hi I'm 24 and currently Have around 12k worth of debt, I don't have any assets apart from a tv lol. I have a stable job earning 17500 a year.

I'm in such a mes that I don't know what to do. I have a dmp with cccs and feel like its not working, creditors still writing to me weekly with letters explaining how much I am overdue and one claiming I will invite court costs as I have defaulted.

I owe 4 different pay day loans totalling to around £2250 included above in the amount and these are all harassing me daily for payment.

I can't afford to even pay them anything ad just manage to keep my regulate payments to my dmp. I just feel that the only way to turn would be BR as I have nothing else I can do.

Any advice whatsoever would be greatly appreciated.

Hi Tonythetiger and welcome to the forum.

As you’re already a client of ours I’d recommend that you get in touch with us for some advice and or look at what other options are available to you.

If you wish you can contact us via CCCS Private Messages with your client reference number and we’ll call you back.

I hope this helps.

Kind regards,

Mat

Tonythetiger

Surely I would excluded from your services now that I have pay day loans, this is why I have not contacted you as I am worried you will refuse me any support

tigerfeet2006

Toni, CCCS will not refuse you help at all and will go through your problems with you and come up with a viable solution.

You may find that a DRO is a more suitable solution for you rather than BR but CCCS will be able to help you decide.

If a DRO is reccomended then pop over to the IVA&DRO board, if BR is a recommendation then carry on posting on here.

You could also contact National Debtline if you want a second opinion http://www.nationaldebtline.co.uk/

All the best whatever happens.