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Hi can anyone help me please.

 

My sister is in a right pickle with her finances and unfortunately due to a crappy paid job, running a household with 2 teenage kids, a mortgage, credit cards and other run of the mill finance agreements she has got herself into a state, obviously we have tried to help but i tthink things are getting on top of her.

 

I have seen this company - Debt Matters, and i suggested she contact them to see if they can help, does anyone have any info on them and whether they are any good or could help her out ? We have never had any dealing swith these type of firms so i am not sure what they are about, if anyone can help or offer any advice about them i would love to hear.

 

Thanks for your time,

 

:)

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Hi there and a belated welcome! :)

 

Debt Matters will charge a fee.

 

I'ld strongly recommend The Consumer Credit Counselling Service from personal experience.

CCCS - Free Debt Advice from the UK's Leading Debt Charity

 

Good luck with it. Regards, Dave.

If my post was helpful don't forget to click the star!

Advice is offered freely, without liability and without prejudice.

If in any doubt professional legal advice should be sought.

 

I do not profess to be in any way legally trained, I am a big

oily truck driver and all I know has been learned within the

Consumer Action Group.

 

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Hi Dave

 

Thanks for welcome and thanks for the advice - anything is worth a go so ill take a look and forward her the info. Would this be the same as going to the CAB - are they limited in what they can do, i realise no one can wave a magic wand and make it all go away but she dosnt have a clue so really needs good advice and a lot of direction.

 

Thanks though ill take a look now.

 

cheers

 

Ric

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Hi Dave, I spotted this ad in the newspaper yesterday which says "If you can't afford to repay all your debts you may qualify for a little known and almost unbelievable solution" I can't copy it all here but there's a freephone number 0800 298 8837 and it says it's government legislation to clear your debts. Worth a call perhaps. Good luck. Margaret.

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That'll be for an IVA with a big fee. I'ld still recommend the CCCS firstly, they'll go through everything with you with a toothcomb and then recommend the best course of action.

 

The CCCS is a registered charity and as such don't charge for their service.

 

Regards, Dave.

If my post was helpful don't forget to click the star!

Advice is offered freely, without liability and without prejudice.

If in any doubt professional legal advice should be sought.

 

I do not profess to be in any way legally trained, I am a big

oily truck driver and all I know has been learned within the

Consumer Action Group.

 

FAQ's

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/

 

Trying to stop smoking?

http://www.consumeractiongroup.co.uk/forum/give-up-smoking-here/

 

A dummies guide to the forums

http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/107001-how-do-i-dummies.html

--

KEEP WILDLIFE IN THE WILD

http://www.bornfree.org.uk

BORN FREE FOUNDATION

--

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Hello Dicklett.

 

Avoid any organization that charges you.

 

The CAB, in my view, is not up to this sort of job.

 

There are two highly professional charities that make no charge for their services these being:

 

Consumer Credit Counselling Service - telephone 0800 138-1111 and

 

National Debtline - telephone 0808 808-4000

 

I have relied on the former for over a year now.

 

You'll find comment about both on the debt forum, but do speak to both the above before you go any further.

 

Hope this helps, and suggest you start a new thread on the debt site.

 

Regards and good luck.

 

Van

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Welcome to the site.

I have moved your posts here.

There are now many Government appointed debt adice websites and contacts.

Debt management companies are there to make proffits and will charge you,avoid these.

There are many things that you can actually do yourself to address debts and communications with your creditors to make arrangements or offer realistic repayments are worth thinking about.

Read some of the threads in the debt forums for more advice.

note to anyone posting links;

 

please remember commercial links are against site rules !!

  • Haha 1

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Welcome to the site.

I have moved your posts here.

There are now many Government appointed debt adice websites and contacts.

Debt management companies are there to make proffits and will charge you,avoid these.

There are many things that you can actually do yourself to address debts and communications with your creditors to make arrangements or offer realistic repayments are worth thinking about.

Read some of the threads in the debt forums for more advice.

note to anyone posting links;

 

please remember commercial links are against site rules !!

 

Both PayPlan and CCCS are Debt Mangement companies which do not charge for their services ( they are the only 2 I am aware of ).

 

Self negotiation is certainly an option but in my experience many people in debt feel that they simply cannot cope although a significant number of people do successfully negotiate with creditors themselves ( with the help of eg National Debtline ).

 

In many circumstances a free debt management plan can be a lifeline in terms of getting a non legally binding but structured arrangement in place.

 

Just wanted to add my tuppence and no I don't work for either CCCS or Payplan!! :)

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