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What are my partners options? Came across Scottdeed?
richardc1983
Posts: 2,163 Forumite
Hello everyone,
My partner who lives in Scotland is looking to get a debt management plan (debts around 7k according to Scottdeed who did a credit file search) and has come across these guys. http://www.scotdeed.co.uk/ My thinking is to avoid as they possibly charge for a plan and they are not mentioned on MSE anywhere. Thinking that Stepchange, Debt Advice or Payplan might be the best place to start with? Anyone know if their debt management plans are free or do they charge a fee?
What would be his best steps as he has had a wage arrestment for council tax and now can't afford to pay other bills due to the amount they are taking. He has debts on store cards, credit cards and other bills.
Any help greatly appreciated.
My partner who lives in Scotland is looking to get a debt management plan (debts around 7k according to Scottdeed who did a credit file search) and has come across these guys. http://www.scotdeed.co.uk/ My thinking is to avoid as they possibly charge for a plan and they are not mentioned on MSE anywhere. Thinking that Stepchange, Debt Advice or Payplan might be the best place to start with? Anyone know if their debt management plans are free or do they charge a fee?
What would be his best steps as he has had a wage arrestment for council tax and now can't afford to pay other bills due to the amount they are taking. He has debts on store cards, credit cards and other bills.
Any help greatly appreciated.
If you found my post helpful, please remember to press the THANKS button! --->
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Comments
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You've already named the main ones.
Yes, talk to StepChange, PayPlan or the National Debt line's Scottish branches for help.
In debt and looking for help? Look here for the MSE Debt Help Guide.
Also, If you need any free and impartial debt advice, the National Debtline, Stepchange, and the CAB can help.0 -
Advice above is good, avoid debt management companies like the plague.I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter0
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Thank you for confirming. It's so easy to be misled by these debt management companies.If you found my post helpful, please remember to press the THANKS button! --->0
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