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Steven R | I have money worries,? |
im £900 in my overdraft i have a credit card with £2600 and the tax credit people want £900 back? i only have a part time job and i cant get consolidation loan, anyone have any adeas?please |
 |
 
K B
 |
First thing to do is contact the Citizens Advice Bureau and ask for an appointment with a debt adviser. They will go through everything with you and contact all the agencies you owe money to on your behalf to negotiate a deal. They really are very good at this kind of thing and very well respected by lenders, so they can often get interest frozen and get you payment arrangements at lower amounts than the companies would agree to if you contacted them yourself. |
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armfot
|
The other respondents are all correct, but something which should be emphasized is that you absolutely MUST talk to the people you owe money to, and you have to do it NOW.
My own similar experience is that while your creditors do want their money, they are usually as helpful as they can be under your particular circumstances; after all, they would rather get their money slowly than not at all.
Go to the CAB or your local council's debt management advisors and get their help.
They will help you but you do need to ask for it, and that is the hard part. But when you do, oh, the relief.
Good luck. |
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Emily
 |
The most important thing is not to panic, they may want the money back but if you haven't got it they have to be understanding. Call them and ask them if there is a way you can pay it back to them in installments or if they can lower your tax credits to pay it back that way, say £20 a month. If you're saying you have £2600 on your credit card, it's important that you pay that back without adding to it, you shouldn't borrow to settle a debt. You need to look at ways of raising some money, have you tried selling old clothes or items you don't use on ebay. I did a little while ago and made quite a bit out of excess stuff. But remember to settle your debts before spending your earned money! |
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Miss Typo!
|
tell the tax credits the situation ur in and ask if they can take some each week out of ur future tax credits if u get them, or come to some agreement where u pay a certain amount each week.
whatever u do dont ignore them cos it wont go away and will just get worse |
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Horoscope G
 |
I have a £2000 pound overdraft and it is so hard for me as i have no income at the moment! |
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Ally Chan
|
Anyway after all you still need to get a full time job or a better income. If not the problem will come back in the future.
I suggest you have a study on the book 'The Secret', maybe it will help to create better life for you.
Fr, Ally Chan
www.allychan.com |
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A Bloke
|
To start with you need to look at what you are spending. Make a list of everything that is essential and everything you can do without. Cut out the non-essential stuff. Do you have anything you can sell on say ebay or take to a cash generators shop? Can you get any overtime with your part time job? Talk to your Bank/Credit Company as generally if you speak to them about your difficulties, you may be able to work something out with them. There are no real quick fix solutions unless you win the lottery but I wouldn't bank on that happening. |
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Missy C
|
Firstly, I would work out how much money you have to pay to creditors after your living costs and priority bills.
Then, I would look at any ways I could boost my income - second job, any benefits I am entitled to and not claiming.
I would then write to my creditors and explain my difficulties, giving them a sheet showing my income and expenditure and ask for them to accept a split of my money left for creditors.
In these letters I would ask for them to freeze interest and charges.
Templates of these letters can be found on www.moneysavingexpert.com or by contacting the CAB.
Also - another idea is to look into your bank charges made against you and see if you can claim them back. Worth a try!
Good luck! |
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DJJD
|
Try this. |
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charlotte v
 |
Credit unions banks the chancellors per-budget publish in December 2004 outline the measures 2 promote financial inclusion one of which was 2 set up growth fund of £36 millions 2 increase the availability of affordable person loans via the third sector (not-for-profit)leaders such as credit unions and community development finance institutions.the bits were evaluated during April and may 2006 and rollout of service has now begun the organizations offering the afford leaning service. |
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mithilesh k
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Have you looked at www.personalhomeloansuk.com This Company introduces people who want to lend with those who want to borrow and at very attractive rates with no charges for early payment etc.
this site may help you just apply here www.personalhomeloansuk.com for the loan
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Sidney
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Nowadays, many people can get into a bad credit situation if they do not keep track of their income and expenditure. Many young executives suddenly find that they are being offered credit cards by various companies. Those who are sensible will find a credit card that suits their needs, sign up, keep track of their purchases pay off their credit card bills in full each month, and ignore offers from other companies. There are others who may be dazzled by all the credit on offer and will end up with credit cards from several companies. They may easily end up making lots of purchases on credit while making the minimum payments on their cards.
http://best-loans.awardspace.com/Loan-Consolidation.htm
Then, one day they realize just how much debt they are in when they need a debt consolidation loan to get out of a bad credit situation. At the Debt Consolidation and Debt Reduction Service, we do not give you debt consolidation loans. We help you reduce your debts by 40 percent to 60 percent and your payments by 40 percent. We see to it that you pay no interest late fees, or penalties. We get you out of debt, and out of a bad credit situation, within three years. We ensure that you receive no more harassing phone calls from creditors by negotiating with them. |
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