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Rite firstly hello to every1 at the board


Basically in the last 6 months i have managed to get myself into debt


My debts are:


2 x £4500 loan

1 barclaycard credit card £1250 limit

2 x capitol one credit card £600 limit


I did work full time for my father, whilst at college so was able to get these loans and credit cards, that was up until 2 years ago when i decided to give university a try.


Even so i have always been able to pay the minimum payments every month through student loan and part-time job


That was until april 2008 when everyone got paid off and with exams i didnt work for 2 months and had to cancel all my direct debits so as i wouldnt incur fees from bank


On top of that i had a massive bust up with the parents and was told to leave so basically was livin in mates houses from june until sept (sometimes up to 100 miles away)when i made up with my parents but over that time couldnt get in touch with creditors (no permanent address and parents never informed me when post arrived)


Back at uni now and being final year and having no access to my car since sept(expensive fault) i havnt managed to get a part-time job yet


I have been able to keep up the payments on one of the loans but the other (lombard) has been in arrears since may (6 months) and now barlaycard has been passed to mercers and 1 capitol one account also been passed on


I did try contacting capitol 1 but they were not interested, only wanted full payment. Tried contacting lombard by phone but no success


Its not a massive amount of debt but i keep getting hassled by 0845 and witheld numbers everyday and no1 leaves any messages to call back


Sorry if ive rambled on but dont know wat else to do at the min and its kinda stressing me out

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ok, take a deep breath and relax .......


useing this excel file (change .zip to .rar and unpack) work out what your ingoings and outgoings are. (input data relevant to your situation)

blank iandE.zip


Then contact each creditor in turn, (in writing only from here on in.)explain the situation, Send a copy of both sheets produced by the spread sheet.


it will work out what you need to send to each creditor on a pro rata basis. the formula is laid down by the government.


Go to this link



you want letter B - edit to suit.


any problems


pop back and ask.




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