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Hello People,

 

I dont know whether this is the right forum, or the right topic, apologies if so, anyway, I have recetly spiralled into a lot of debt, though Ive recognised this and contacted my creditors direct, mainly credit cards, and arranged a monthly repayment plan, though the MAJOR worry I have is with Royal Bank of Scotland. I have missed my loan payments with them, leading to arrears, and now I am receiving letters regarding defaulting the account, with some VERY VERY hard wording, i.e arressment of wages, baillifs, court proceedings, I have been coperative with them, answered all there letters phone calls, and offered a monthly figure to them. To sum up IM SCARED to the point where Im not sleeping, vry stressed been to the doctors. I dont know what to do, ofcourse I should have recognised whether I could make the payments to start with, but surely of the blame lies on the bank for offering if not throwing the mony at me, consolidation after consolidation after consolidation. Apologies if this was not the right forum. Thanks for reading:confused:

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Guest Niklowe

Hi, Sico,and welcome.

 

Firstly take a deep breath and calm down.

 

yes you've come to the right place

 

Just read the FAQ's and have a look in the forum for your bank and read the experiences others have had. Above all don't rush in without plenty of reading. When you are happy, start a new thread in the section for your institution that you are claiming against, and away you go. There are lots of people to help you, but don't forget this is a very much a self help site.

 

Have a look through these links

 

http://www.consumeractiongroup.c o....se-read-these/

Example Step-By-Step Instructions

 

-------*** How to make posts ***------- PLEASE DO NOT POST YOUR ACCOUNT NUMBERS

 

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/182-6-interest-calculation-spreadsheets.html

Ther's alot of reading to do but it will be worth your while. if you are worried abot debts and baillifs's then follow this link and have a good read.

 

http://www.consumeractiongroup.co.uk/forum/general-debt/

 

http://www.consumeractiongroup.co.uk/forum/bailiffs/

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