Citizens advice discussion how much can they help?

slappy_sover

Please can someone help me with this I need help with the form for the bankruptce. CAB vey nice but want £500 for doing this, can someone on here tell me what Ido to get get next step friend is going to help write form where to go after this please?

Dez-Titute

Are you sure its CAB that wants the £500 and this not the court fees???

slappy_sover

Dez-Titute wrote: »

Are you sure its CAB that wants the £500 and this not the court fees???

Yes can not do without but say I should not do this as not for me
Please can you tell what to do

Dez-Titute

Slappy,

Can you post more information about your situation.If you do I'm sure someone on here can help.

slappy_sover

Please thank you I have big debts £40000 my business providing workers to the farmers is not good now, i gwt many letters and bad phone calls form the baillif people they come and hurt us I think just like at home. must do something to stp this. friend told me of bankruptce i use hi computer or in libary to get on i have read of this bankruptce oncab web page, then they ask for $500 if i want this, but say i should do something elsa instead or more trouble for me. i had spoke with paypal andccs but only little help from for me they say cab better for me as i need help they can not do on phone, my fiend has written forms what i ned to now plaeas.

tigerfeet2006

The £500 the CAB have asked from you is not for them it is for your court and OR's fee's. The CAB is a charitable trust and do not ask for money.

Do you own a house? How much is it worth? How much of the mortgage is left? What are you're incomings? What are your out goings? Are they all/mostly business debts? Please give us some more details of your situation.

alwaysonthego_2

If you have googled the cab sometimes debt companies trying to dupe people with their names being similar to the cab. The cab would not ask for any money from you because they offer free advice.

Dez-Titute

alwaysonthego wrote: »

If you have googled the cab sometimes debt companies trying to dupe people with their names being similar to the cab. The cab would not ask for any money from you because they offer free advice.

Like the signature reminds me of an old saying

Never waste an er3ction and never trust a f@rt:rotfl:

alwaysonthego_2

I am a volunteer at the CAB and have been on relevant training courses so I can deal with debt etc, but because I only work one day a week, I do not have the time to deal with writing to creditors etc so this is why we pass it on to a debt caseworker who are paid and work more hours. I can often help clients go down the self-help route and will show them how to make pro-rata offers to creditors and help them write a relevant letter. Volunteers are supervised by paid supervisors who have a wealth of knowledge and I will always double check with them if i am not sure.
If a client is not happy with advice the bureaus have a complaint system which we would rather you use so we can see where we are going wrong and could be offered extra training.
Personally I love helping clients and I get more good clients than difficult ones. The difficult clients include people who haven't brought the relevant paperwork like a tenancy agreement that we have asked them to bring in and start shouting at me saying I am useless. I always remain polite and offer them a new appointment, but it does upset me at times, but thankfully it is rare.
I know that people have been given the wrong advice by the cab but if you're not happy ask for a second opinion. We now have a benefits check on our computer system which helps us give a more accurate estimate on what you should be entitled to.

debt_doctor

Hi All,

One of the main problems the cab has is that we offer face to face advice on everything. CCCS and national debt line only deal with debt and only on the phone ( although in the main give excellent advice )

About 40% of our work is debt, the rest could be sorting benefit problems ( interview under caution possibly ), faulty goods, housing disrepair, illegal eviction, land and neighbour disputes, employment disputes, dismissals, employment tribunal representation, immigration / asylum seeker issues, leave to remain in the UK issues, complaints and action against the police, family issues such as parental rights and custody issues, the list really goes on for ever !

I like many in the CAB have worked on all of the above. Athough I am as you know a debt caseworker, I do sometimes sit as !!! ( nice term ! ) which is advice session supervisor. It is in this area where any poor quality advice could happen if the !!!' (s) are not being effective. In our bureau every volunteer must place every enquiry before the !!!, even if that vol is known to be excellent and been with us for 20 years ! At the end of the session every written case record is checked by an !!! who did not authorise the original enquiry. If an error is noted then the client is contacted.

This is a good system, but not perfect, I m afraid that sometimes mistakes do happen, for which ultimately we have insurance for.

So as we all know on here the debt 'epidemic' has put great pressures on debt charities ( CCCS, NDL and CAB ) but when you think that we spend 60% of our time on things other than debt, then maybe its understandable why we are so hard to get to see !

Cabs across the country are under threat from funding cuts, private profit making bids,:mad: etc and to be honest, unless our national organisation 'gets a grip':o then I feel the future of CABx is in serious doubt.

Best

DD

OMG ! You cant even say A*S on here !:rotfl: