CAB meeting tomorrow - please help

crysta1010

hi

have got appointment tomorrow which i have to take my total income/outcome sheets with me, to work out an affordable monthly offer to 3 creditors:

1st Credit ( NASTY & PHONING CONSTANTLY !!!! ) - £11,200.08
Link Financial (NICE & ONLY A FEW CALLS) - £3493.07
Lewis Debt Recovery (NICE - PHONED ONCE) - £1,188.28

(ALL OF THESE ARE UNSECURED & NOT PRIORITY DEBTS)

I have just finished filling in all income/outcome and am left with just over £30.00 between the 3 of them.

Can anyone advise me of what will happen during the appointment and will I be able to make my creditors an offer of monthly payment after the appointment. I keep reading of payment plans being set up and sending token payments until this has happended. Will my monthly offer not be able to be made tomorrow?

I feel better than I did this morning when I was getting myself into a bit of a state about it all. One day i'm fine the next I can be a bag of nerves and very tearful, (which is especially hard when the kids are on school holidays - no privacy).

Any advice would be much appreciated .

crysta1010

crysta1010 wrote: »

hi

have got appointment tomorrow which i have to take my total income/outcome sheets with me, to work out an affordable monthly offer to 3 creditors:

1st Credit ( NASTY & PHONING CONSTANTLY !!!! ) - £11,200.08
Link Financial (NICE & ONLY A FEW CALLS) - £3493.07
Lewis Debt Recovery (NICE - PHONED ONCE) - £1,188.28

(ALL OF THESE ARE UNSECURED & NOT PRIORITY DEBTS)

I have just finished filling in all income/outcome and am left with just over £30.00 between the 3 of them.

Can anyone advise me of what will happen during the appointment and will I be able to make my creditors an offer of monthly payment after the appointment. I keep reading of payment plans being set up and sending token payments until this has happended. Will my monthly offer not be able to be made tomorrow?

I feel better than I did this morning when I was getting myself into a bit of a state about it all. One day i'm fine the next I can be a bag of nerves and very tearful, (which is especially hard when the kids are on school holidays - no privacy).

Any advice would be much appreciated .

1st credit have just phoned AGAIN wanting a minimum payment of £134.00 per month or they will put a charging order on our home. They were told yesterday about our meeting with CAB. This is never ending !!!!

jopwo_87

I dont know much about this, all i would say is ignore them and try not to worry. Just bring everything you can to this meeting and they will help you.