A question about : This time Im going to crack it
Have been playing ostrich too long now.. so looked into a debt management company.. after going through an hour or more of finacial info they essentially want to sign me up to something which means I pay all my debt plus about 3k for them passing on my payments (I think not)
so Ive taken the step.. set up plans with two creditors... about to try and set up the next two (and thats me done with then)
QQ- one company keep charging me, Im drowning and they are charging me more and more.. what do you suggest I do? They wont leave me alone and charge me Ј12 per phone call or letter!
any good links to letters I can write to make them an offer and try to get this sorted?I feel theyll get it all much faster by me approaching them than this debt company! They just cant have it as fast as they want it as Im on benefits
Best answers:
- Hi Lilmiss
Do you know there are organisations that will help manage your debts for no charge at all?
Please check out this excellent information from Fermi:
https://forums.moneysavingexpert.com/....php?t=4228011
and National Debtline website for extremely useful template letters:
https://www.nationaldebtline.org/EW/...s/default.aspx
TTFTM x - I did yes but having gone through it all today I dont know that I need or want to explain myself over again. I tried to set something up with step change in the past and they were useless. I figure I would be better just doing it myself
- Great thanks Just written to the creditor whos hassling me using the Debtline link
now for the last one !!! Feels better to just actually "do " something apart from stash letters and hope itll go away - ARRRGH- loan company are hassling me, adding charges for letters, Ive written to them asking them to come to an agreement. They made a bullying telephone call just now- offered a token payment, theyve refused it but I made it online anyway.... I said you cant charge me Ј12 for a letter charges have to be resonable. they said "we can do what we like" I asked them to put things in writing...I said Ive followed advice from debtline, they asked for the details of who to contact on my behald- I said I was doing it myself not a DMP company they then said they wouldnt take less
feeling very despondent..
any advice on what I can do now ?
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