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debt help please

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  • sourcrates
    sourcrates Posts: 29,171 Ambassador
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    edited 9 May 2015 at 7:10PM
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    Ok,

    Two questions, how old are the creditcard accounts, when where they opened, what year ?

    Are your unsecured debts just made up of creditcard debt ?
    I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter
  • desperado88
    desperado88 Posts: 80 Forumite
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    sourcrates wrote: »
    Ok,

    Two questions, how old are the creditcard accounts, when where they opened, what year ?

    Are your unsecured debts just made up of creditcard debt ?

    They all all quite old ie ten years or over and yes it is just credit cards.
  • runforlife
    runforlife Posts: 443 Forumite
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    That's appalling behaviour from the advisor. You seem to be stronger now than ever before so why not approach things yourself? You could give yourself some breathing space by offering token payments for a month or two. I think you'll be surprised at how good a response you will get from your creditors. By the way if you haven't done so yet open a new basic bank account that has no association with any of your creditors and get your salary and other income paid into that. All the best.
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