Help, please...my head is reeling!

RAS

if you have to take your son to physiotherapy appointment, you might be eligible for travel assistance from the hospital - ring up and speak to the hospital welfare officer.

Otherwise, advise them that you cannot take him because of the cost and they will send a patient ambulance.

i

rayday2

Good for you re the loan, the CCCS are really helpful so get a cup of tea in your next free half hour take a deep breathe and do it.

But again huge well done for turning the loan back it wouldn't have helped in the long run!

In_Search_Of_Me

Welcome & well done! Youve done the right thing and as you can see there are areas you can cut down on. Lots if us here are around for a good few years yet!! Let us now how you get on with CCCS.

emma_lewis84

You've already had a lot of practical advice - but I just wanted to say well done for taking the first step towards dealing with your debts - it'll be hard, but well worth it - the only way is up!! GOOD LUCK!

LilDevil

There's a couple of good replies on another thread (Getting out of debt) suggesting things like writing to companies with a reduced payment offer.

Someone also said there is a letter somewhere on this site telling companies that you will only correspond in writing - should help stop any potential phone calls.

Eshka_2

Thanks again to all - I'm off to sort the kiddies out with lunch and do some mummyhat stuff (housework, blah) and then I'm sitting down with a cuppa, pen and paper and starting my own DFW diary - it'll help me keep track of what I'm doing, where I'm at etc. Should be interesting!

taxi73

Well done on taking the bull by the horns ...keep us informed of whats happening