Marc Gander - The Consumer Survival Handbook


A 220 page introduction to all things consumer related by our own BankFodder.

Includes energy companies, mobile phone providers, retailers, banks, insurance companies,debt collection agencies, reclaim companies, secondhand car sellers, cowboy garages, cowboy builders and all the rest who put their own profits before you.

£6.99



Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

£19.99 + £1.50 (P&P)


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  1. #21
    Royalties Account Holder renegadeimp Authoritative renegadeimp Authoritative renegadeimp Authoritative renegadeimp Authoritative renegadeimp Authoritative renegadeimp Authoritative renegadeimp Authoritative renegadeimp Authoritative renegadeimp Authoritative renegadeimp Authoritative renegadeimp Authoritative renegadeimp's Avatar



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    Default Re: old stepchange dmp - cant afford payments now

    Quote Originally Posted by H&Amoney View Post
    I will this will be life changing do I just post on here what happens I don't know how else to contact you? Its like a dream!
    Yes. Keep all info as per post #12

    Dont add any personal identifiers, But make sure you come here if you have any questions. Follow DX's advice in post #12 so you can keep your debts separate and they wont get muddled with others. We can help you through this. It might take a small while, but you'll soon be debt free.

    To add to whats been said as well, nothing we do is against the law, it wont cost you anything by various companies charging you. The procedure we help you with is actually laid out in law and regulation. Its something the backstreet DCAicon's dont tell you, mainly because they are all very very VERY shady. They want your money even though theyre not legally entitled to it, nor are the debts legally enforceable in court.

    We want you to keep the money and learn from it so if it happens again, youre more knowledgeable in what to do>

    Again, going by your list of debts, it should be straight forward to get it sorted.

    Create a new threadicon for every single one of your debts please as per post #12 and provide as much info as possible such as dates, what happened, whose chasing you etc. The more info the better.

    Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..


    If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks
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  2. #22
    Basic Account Holder H&Amoney Novitiate



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    Default Re: old stepchange dmp - cant afford payments now

    I will of learnt a massive valuable lesson would it be worth me looking on Experian signing back up I don't know about default stuff offhand.I have amazed myself finding all the account details and posting it all off today I'm not very technically minded I'm not sure if Ill cope with stress but ill do what you say take a step at a time.I presumed as I borrowed the money I would have to pay it back.


  3. #23
    Site Team dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk's Avatar



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    Cagger since : Dec 2006
    Posts : 103,513 (26.79 post per day)

    Default Re: old stepchange dmp - cant afford payments now

    no need to pay for any credit files anymore
    noddle clearscore
    experian are all FREE now


    I doubt ANY of your debts show anymore

    PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS
    Click Here To Make A Donation
    If you want advice on your thread please PM me a link to your thread
    my views are my own...seek legal advice if necessary
    NEVER EVER - act on a private message asking you to visit another website, make contact 'off list' or by phone alert the siteteam
    DX RIP Martin3030
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  4. #24
    Royalties Account Holder renegadeimp Authoritative renegadeimp Authoritative renegadeimp Authoritative renegadeimp Authoritative renegadeimp Authoritative renegadeimp Authoritative renegadeimp Authoritative renegadeimp Authoritative renegadeimp Authoritative renegadeimp Authoritative renegadeimp Authoritative renegadeimp's Avatar



    Follow Real_CAG on Twitter
    Cagger since : Aug 2010
    Posts : 21,956 (8.66 post per day)

    Default

    Quote Originally Posted by H&Amoney View Post
    I will of learnt a massive valuable lesson would it be worth me looking on Experian signing back up I don't know about default stuff offhand.I have amazed myself finding all the account details and posting it all off today I'm not very technically minded I'm not sure if Ill cope with stress but ill do what you say take a step at a time.I presumed as I borrowed the money I would have to pay it back.
    I admire your morals. But you need to throw them out of the window now and think about legalities instead.



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