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Quicker way to resolve claim disputes launched online READ MORE HERE: https://www.gov.uk/government/news/quicker-way-to-resolve-claim-disputes-launched-online
Hi I started a DMP with the CCCS 3 years ago when I had 21k of debt to pay off. I still have about 11k left so about 4 years to go until I am debt free. I've looked through the forums etc but I was just wondering if anyone had any ideas if I could pay this back sooner, reduce my debts, IVA etc? I am paying £274 a month with I can just about manage. I am desperate to get this debt paid off asap but cannot afford more then £274 a month. My debts are from 3 credit cards, 2 store cards, 2 overdrafts and a loan. Also one question I have is regarding a lloyds overdraft I had about 4 years ago. I had their top current account at the time and was able to apply to extend my overdraft online which was an instant decision. I keep doing this as I was always short of cash and somehow over a period of about 2 years I managed to get my overdraft limit up to......£6920, yes, £6920!!! How did they let me do this? is was an apprentice at the time so was earing between £11k-£18k at the time and renting a flat!! If anyone has any advice or ideas I would very much appreciate it. Thanks for your time reading this. Mike