Personal debt helpline

MissEyre

gerrard8_s wrote: »

Thanks guys i've just filled the quick form in and i'm gonna ring em now thanks again let you know how i get on
C x

Glad to hear it, keep us posted x

gerrard8_s

Wow just found my post cant believe i actually went with these people i did cancel it eventually as i was paying them every month but by the time they got my money and paid my creditors i was in about 3 mths arrears with everybody i had all my creditors ringing my house phone constantly so when i cancelled it i was in a worse state so had to ring everybody all over again and start from scratch it was a really horrible time.... Thankfully someone was looking down on me as in May of last yr my parents sold their house and gave me £2,000 so got rid of most of the high ones all together, I still have 3 catalogues but there manageable at under £120 which the payments are £6 month so if i have extra each month i will pay more off i no longer have credit cards that i use i cut the only one i had up, unfortunately its aqua as i didnt have enough to pay them off the balance on that is £930 but the payments are £56 i think the apr is 39% shockin but i cant get a balance transfer as i have a bad credit record.
Boy did i learn my lesson big time so slapped wrist for me !!

RAS

Hi

Have you checked out whether you have any late payment charges that you can reclaim? From any of these accounts?

gerrard8_s

No i didnt could i have done that i did start with the capital one charges as they were really high and there were quite a few but for some reason after i paid them off i just forgot about them most of them were debt collection agencies GE capital Droyds were another and moorcroft i wouldnt have known where to start to be honest

RAS

Start with the original creditor as it is they who added the cahrges. Check you credit record if you need reminders.