We're aware that some users are experiencing technical issues which the team are working to resolve. See the Community Noticeboard for more info. Thank you for your patience.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

My Aunt is in Debt

Options
carpediemspirit
carpediemspirit Posts: 72 Forumite
in Debt-free wannabe
Hi All,

My aunt is in severe debt and her house is on the market, she is asking us for money to help her clear her debt, now I don't want to keep throwing money after her as it is a drop in the ocean compared to what she owes.

I just wanted to know what agencies/debt management companies she should contact to get herself sorted, so I can pass on details to her.

Regards
Desi

Comments

  • jmhgibson123
    jmhgibson123 Posts: 190 Forumite
    c c c s are most helpful and is free there may be a waiting time to speak to someone but a letter to all her creditors explaining she is seeking help and a token payment of even a £1 is always advisable
    goal for 2014....i will manage money better ..must resist shopping..............:A
  • Numpty_Monkey
    Numpty_Monkey Posts: 14,196 Forumite
    10,000 Posts Combo Breaker
    The one's most on here would recomend are
    http://www.cccs.co.uk/
    http://www.nationaldebtline.co.uk/
    http://www.citizensadvice.co.uk/


    HTH
    PROUD TO BE DEALING WITH MY DEBT NERD #869
    Numpty,Not sure why but I'm crying :o . Of all the peeps on this board you're the kindest & most supportive of all & I'm :mad: & :( for you all at the same time . Wish I was there to give you a big :grouphug: & emergency hobnobs
    xx
    DFD 5/1/16
  • fermi
    fermi Posts: 40,542 Forumite
    Part of the Furniture 10,000 Posts Combo Breaker Rampant Recycler
    The others have already suggested the right places. :)

    If you want to read more, and especially why you should use these, then Martin has written this article:

    Here: Debt Problems - Where to start, what to do, where to get help
    Free/impartial debt advice: National Debtline | StepChange Debt Charity | Find your local CAB

    IVA & fee charging DMP companies: Profits from misery, motivated ONLY by greed
  • CCCS_Sarah
    CCCS_Sarah Posts: 1,555 Organisation Representative
    carpediemspirit wrote: »
    Hi All,

    My aunt is in severe debt and her house is on the market, she is asking us for money to help her clear her debt, now I don't want to keep throwing money after her as it is a drop in the ocean compared to what she owes.

    I just wanted to know what agencies/debt management companies she should contact to get herself sorted, so I can pass on details to her.

    Regards
    Desi

    Hi Desi,

    There are a number of Debt Advice organisations your Aunt could go to. I would recommend going to one of the free ones listed in Numpty Monkeys message.

    I am a debt counsellor that works for the Consumer Credit Counselling Service (CCCS). The CCCS have a free debt advice system called Debt Remedy – All your Aunt would need to do is input her income and expenditure and the system will let her know exactly where she stands financially and the best way forward. This link goes directly to Debt Remedy. Or if your Aunt would prefer she could have an appointment with a trained debt counsellor, she would need to call 0800 138 1111 for an appointment.

    If there is anything you would like to ask me directly just give me a shout
    I am a Debt Counsellor that works for the CCCS and have specific permission from Martin, to post on these boards to try and help those in debt. Read more information on the CCCS and what it does in the Debt Problems: What to do and where to get help article.

    CCCS is a registered charity, and there is no charge whatsoever for any of the services we provide to our clients. We take great pride in offering first class help and advice, but we only offer this where we have been able to fully explore and understand your circumstances with you. We want to help you understand these choices and their possible implications but not make them for you.
  • nomoneytoday
    nomoneytoday Posts: 4,871 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    The problem is your aunt needs to make the decision to sort out her debts, otherwise it's like leading a horse to water and pleading with it to drink..

    Giving her money will simply prolong the problem, instead of getting her to look at a solution :)
  • moanymoany
    moanymoany Posts: 2,877 Forumite
    I think you are right not to lend her money - well, it would amount to giving it to her, wouldn't it. She clearly hasn't the first idea of how to deal with money. Helping her to sort it out herself is by far the best way to support her.
This discussion has been closed.
★ ★ ★ Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 351K Banking & Borrowing
  • 253.1K Reduce Debt & Boost Income
  • 453.6K Spending & Discounts
  • 244K Work, Benefits & Business
  • 598.9K Mortgages, Homes & Bills
  • 176.9K Life & Family
  • 257.3K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.1K Discuss & Feedback
  • 37.6K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.
Update Your Picture