shootingstarxx
|
i know how u feel.... i've been ignorging my debts 4 a while now....... just try coming 2 some agreement with each of them 2 pay wot u can monthly etc.....they cant do much if u offerin 2 pay no matter how much x good luck :) |
|
Cliff E
 |
I had an ex-girlfriend do the same thing with my money. Best thing I did was take all bills / statements / payslip to Citizens advice bureau. (CAB) - they will write to creditors suspending charges and working out a realistic repayment plan. Works with all debts exceot HFC who ignore all letters. (that's not a gripe, they're known for it.) - HFC debt will eventually get written off. The alternative is to pay a debt management company to do the same thing, but CAB do it free. |
|
anthony c
|
dont ignore them mate go and see citinze advise burow and they can help you they help me sorry about the spelling they will end up senden the bailiffs round and you will lose every thing if you have a car try and put it on a relitves name then they cant tuch that and proberly declare your self bankrupt |
|
trumps
|
Go to your Citizens Advice Bureau NOW for helpful advice NOW,NOW dont keep making stupid excuses for deferring it.
At present your life must be a misery. I am sure they will be able to help you and come to an arrangement with your creditors including possibly getting some of it waived or at least stop interest being charged |
|
Maz
 |
Contact your local Citizens Advice Bureau. They can help you manage your debt and its free. They can arrange for you to talk to the companies and negotiate a repayment plan, and possibly freeze any interest and charges. Do not Go for any Debt Managment companies, as they charge you for the advice.
Dont delay though as it wont go away, and the sooner you can get help the better, and its a weight off your mind. |
|
peilthetraveler
 |
You intentionally committed fraud. If you were in the U.S. you can go to jail for this. I dont know what the law is in the UK but if someone starts investigating and puts 2 and 2 together, they will figure out you did it intentionally. But if you start paying right now, theres a good chance they wont investigate. They probably wont do much about the credit card but you dont want to get in trouble with the banks. Bad credit is the least of your concerns. Here they would probably give you 2 years in jail and UK law USUALLY isnt that different from US law. You better start making payments and hope they dont investigate you |
|
toxicsgrl
|
what i did when i was in debt is tell them i can only afford £10 a month to each of them (or more if you can afford it) and if they say its not enough then send them a monthly expenditure lay out saying what your money goes on and what you have left at the end of the month. make it more than you spend if you need to. like extra on food shopping or travel, buses, tubes, trains, petrol. they don't check.
if this comes to nothing and you aren't working then you can get legal aid and a free solicitor who will write to the company asking for the interest to be stopped and offering a repayment plan. i did this and it worked.
if you are working, i think everyone in the country is entitled to one free session with a solicitor to give you advice.
i hope this helps. don't ignore it, they will send the bailiffs round and take you to court which is bad. |
|
ian s
|
http://www.debtquestions.co.uk/debt_forum/viewforum.php?f=7 |
|
mrshuggybear
|
Hello.
Ring the companies, don't put it off and see if you can come to an agreement as to a payment you can make each month. If you really can't afford anything or that doesn't work phone the CCCS (Consumer Credit Counselling Service). Type them into google for the website or phone 0800 1381111.They are a registered charity who do the same thing as a debt management company. They usually help you find a way to pay the companies without getting a CCJ and will do a budget with you etc. However chances are you will have already have damaged your credit a bit by having late payments on your record and if you have been referred to debt collection agencies default notices too.
Good luck, you will get this sorted. |
|
Rachel T
 |
You don't want to go down the route of the CAB unless you have no other way of paying them back as this means that you will default on every creditor as a result of the IVA.
However if you can't afford it then you should speak to them about this as they can write off a lot of your debt and stop interest charges and the creditors must accept the CAB offer. If you then default on this though you are in serious trouble! |
|
raeann_w
 |
it will be sent to collections and be written off as bad credit...best thing might to consolidate.. |
|
| |
|
Homepage 
Financial
Forum 
Credit 
No Spam
Adult 
Gambling
Unfinished
Deception
Plagiarism
Not English
