 I have debt with HSBC UK, I lost my job here in the UK and I am moving back to the US since I am an American.. |
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Additional Details
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first sight is the sign | I need some debt advice? |
I have debts of £5000 from credit and store accounts. My income in £8000 and my minimum monthly payments for both my credit and store cards are £250-300, which I cannot afford to pay.
I downloaded and completed a debt remedy form in the cccs website which I sent to my creditors along with a letter stating that I can only afford to pay £10 a month. Only one company wrote back and accepted.
Things are still getting worse as I can't keep up with all payments (arrears in some). I contacted a debt consolidation Company who said they'll negotiate with my creditors and I'll be able to pay £260 a month and will be debt free in 2 years. Is this worth it?
If I go to citizens advice bureau what difference could they make for me? Can I negotiate with the debt consolidation company and get my monthly payments down to £200? Any advice would be helpful. cheers |
 |
 
evie
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Debt management companies do charge for their services, and CAB are very good at sorting out a monthly payment plan but it cannot solve your problem. If your store cards and credit cards were taken out before 1 April 2007 it may be possible to get them legally cancelled, so wiping out your problem. The website www.bdebtfree.info can help you. Good luck. |
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Robin Darkmere
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I agree fully with Buddha. |
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proud walker
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i would not go to a debt consolidation company as they are often a rip off.
the CAB can either help you themselves, or put you in touch with a debt counsellor. who should contact the companies on your behalf and follow up where you've been unable to get a reply. They know the ropes, things like the importance of writing and keeping a copy, sending by registered post etc. they should be your first port of call |
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Buddha
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The CAB can negotiate on your behalf and do a very good job. I have done this in the past when I was a volunteer adviser. Please go and see them a.s.a.p. |
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WelshLad
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I suggest visiting the CAB office. |
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Lily B Talus
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dont go for debt consolidation as you'll end up owing more as they'll charge fees...C.A.B. are really good...go there |
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Diana B
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CAB are brilliant, but you might want to consider going bankrupt.
I know it sounds extreme, and you should fully check out the consequences first (ie like you can never practice law or be in a position of financial responsibility). But it will write off the debt.
Do be careful of debt consolidation companies. Some are great and some are just there to make money out of people in desperate circumstances. |
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Harry
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While these options may help you to arrange for some kind of settlement they also screw up your credit. Have you tried to negotiate directly with each company? Sometimes they will agree to waive late fees and lower the interest rate which in turn will lower your payments. |
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rennickelizabe
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you could try it and see also i would consider debt management also i would have thought the companies would have been happy accepting any payments at all as they are getting something |
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puffin57
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The Citizens Advice can be very helpful with debt problems, so you could try there.
You can also speak to the CCCS and they will also be very helpful - this, like the CAB, is a free service. I have used them in the past and have found them to be very good.
I've used the CAB as well, and they were good also. |
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lnknprkbabe84
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a company must accept any reasonable offer you give them based on your salary, you can deduct rent, council tax, food, clothes, pets, water, gas and electric rates from your salary then make an offer depending what you have left over, go to citizens advice these will help you greatly, my mum in law has just done this and she has disposable income (money left after needs above) of #1 a month, so most of her debt has been written off, this is after a debt consolidation place told her she had to pay 300 pound a month, they take money from you, so they may get you debt from 5000 to 200, but wo=ill add another 1500 for themselves |
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saved
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Stop swiping. Get a better paying job. Out of every check put a tenth of it into savings. Learn about budgiting. About $10.00 a day for food. Get rid of bill payments. Keep track on paying card on time. Eventually you will have enough in savings to pay it all together. Debt is Dumb and cash is king baby. Just listen to Dave Ramsey. I reccomend that you goto www.DaveRamsey.com You can learn about money and win. |
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John G
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you need to go to a lawyer and get them to send out a letter explaining your problems and set up a payment plan that you can afford don't offer £200 offer say £120 and then you have breathing space if they agree you can still pay £200 to pay it off faster but if you are having a tuff month with other bills then you only have to pay £120 good luck |
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