Huge Debt Problem

[fletch70]

Dx

Unless done by pm the dates have not been identified with the exception of the oldest one being 10 or 12 years ago. Hence before giving opinion it is vital to know the facts. We don't want to be in the same position as another forum now do we.

Albertz

It is the opening date that is important here not dates of transactions

[albertz]

Dx

Unless done by pm the dates have not been identified with the exception of the oldest one being 10 or 12 years ago. Hence before giving opinion it is vital to know the facts. We don't want to be in the same position as another forum now do we.

Albertz

It is the opening date that is important here not dates of transactions

 

 

 

appointment with the citizens advice tommorow ,will ask them all about the cca,s aswell...... i guess they will tell me straight what my options are when they see my expenditure and income,will come back and let you guys know what they say.

[fletch70]

They may not agree with the cca requests however getting your debts into a manageable state is the priority.

Imho get the plan set up and running and do the cca requests alongside. That is what i would do if i were in your position. Having said that there is no magic cure and you need to do what works for you

[albertz]

just back from citizens advice and

 

 

told me i would not be admissible for the DAS scheme as i have been making minimum payments

and not defaulting, even though i am on the breadline.

 

 

told me to go on their website and pick a financial adviser who will charge a minimum of £75 for advice

"dont have £75 btw".

 

 

told me to tell the wife to try and take up full employment if she can although my son needs her

and the fact that she will lose at least £500-£600 in benefits

 

 

also told me to check that i have not been mis sold ppi but did,nt recommend anyone....

 

 

.. ah well back to the drawing board for me then.

[dx100uk]

you don't need to use a claims company

 

 

do it for free from info here

 

 

get those CCA's done.

 

 

 

dx

[theoldrouge]

yes do it all yourself albertz

 

you will find all the help and info you need on here

[albertz]

please delete this post

[albertz]

lads ,does anyone have a link to a ppi template letter ,i don't know if i have been sold any but had credit cards and loans since the early nineties so there is a good chance.

 

iam going to do the cca as i have found that ,would it matter what order i do it in :/

[theoldrouge]

You really need to do cca requests as

 

Already discussed

 

And a SAR to each original lender first

[albertz]

iam going to do that as well friend,just off the phone to halifax who say i opened that account on 2004 so no cca there,also said after checking that i have never had ppi on any of their products either.buggers.

 

ah well 9 to go...

[theoldrouge]

Definitely cca request to Halifax

 

Do everything in writing

[dx100uk]

don't use the phone

 

 

send an sar to the original creditor

 

 

you only need ONE SAR if you have multiple cards/loans/accounts with the same 'bank'