In debt trying to get out of it any help

daddycool26

Hi there im in debt im a father of 2 and have debts of 26k without my mortgage thought about giving euro debt a try but thay want 1600 for there trouble any advice guys much appreciated

rayday2

There are free charities to help Payplan and CCCS, or CAB locally or even do it yourself with support from the National Debthelpline they have a pack on line you can download, template letters and a payment calculator, I did it myself and it was quite easy.

Glad you posted on here before taking the plunge with Eurodebt!

madmoney_2

hi daddycool, there is a sticky thread for first time posters by southernscouser, have a look at that and pop ur soa up for us and we will be able to help more. DO NOT pay any1 to consolidate your debt for you, there are registered debt charities out there who could help you set up a debt management plan for free!! have a look at http://www.c-c-c-s.com/ hope this helps xx

daddycool26

thanks i have got a pack coming from national debtline and payplan just advised sending the creditors letters soa stuff i think

rayday2

Quick work well done!

Don't hesitate to come back if you have any further worries between us all we can cover most bases lol

daddycool26

just got pack from national debtline hope it helps

rayday2

It should do its pretty good rule number one if your current account is linked to any of your creditors you need to apply for a new current account as priority.

I was with Lloyds and Lloyds under there terms and conditions could take money out of my account to pay any arrears on credit cards and you dont want that! Its pretty average industry wide so Lloyds are not alone!

daddycool26

thx rayday switched bank account a couple off weks ago as overdraft was getting high just had leeter from mortgage about my rent arreas witch we have sorted but mortgage peaple have charged me £27.50 for letter that should not have been sent out asked them to take the charge off and they wont

rayday2

well your overdraft (if you still have it) from the account you left can be included as a debt to repay.

daddycool26

some good news guys ive got an audition for who wants to be a millionaire so finger crossed i get on and win big

daddycool26

made arrangments to repay overdraft and bring it down partner dealing with it