Creditor problems? Start with the Citizens Advice Bureau they will be able to do a budget plan for you and then advise on where to go from there. If you need help from an external debt management company they will be able to advise which ones to use.
BTW Debt helpline is not a company. Its a non profit helpline, they send out information and letters ect. Much better than citzens advice!
Welcome back Axe, I must say you seem way more upbeat and positive! What a difference a year makes!
Fingers crossed it all works out mate!
I found that banks are mostly wimps when you threaten them! ie. if you present them with a reasonable repayment proposal, they will mostly agree to it, and if they don't you saying 'well I'll pay you nothing and I'll see you in court' will usually sort it out, as they know a court will 99% of the time agree that your proposal was reasonable and lock you into it.
As others have said though, speak to a help service - there are a few around, and they can be a great help. If you have debt with different creditors, you could go for an IVA, however if you are mostly with one bank etc... then its down to that individual bank usually.
I've missed this place. I'm glad it's back.
It's really nice to see you again @AXE How's life?
Hey Axe - how is it going?
After working with AXE for just over a year, i can say without a doubt that he is the most genuine, hard working and intelligent person i have ever met. he never ceases to amaze me and other members of our department. i wish i had even quarter of his knowledge, stay strong AXE!!!
Glad everything is still going so well AXE.
Last edited by ZeroHour; 10th February 2012 at 01:51 AM.
I am so pleased to hear you are doing well, axe - are you still travelling a ridiculous amount of time each day?
So many things have happened to help me keep my job over the last year and a half. First was the tax credits that enabled me to travel to work each Month... And when that expired, thank you to the kind Teacher that was able to give me a lift to work four days a week. Then came the anniversary of my first year of my new employment. I'm part of a really great team. . I'll never forget that.
My saviour left... But just in the nick of time a most excellent ICT Teacher moved to Stroud and was able to give me a lift to work every day. Things were going great... I've still got a lot of debt, the banks are still gouging me for every penny they can cadge and it's hard to make ends meet every Month, but with a little (lot of) help from my friends, I'm able to manage...
But times are still very difficult and unfortunately my saviours aren't going to be around for much longer... I really wish I had better news, but I'm really pushing the limit for miracles. I've had three already; which is more than I have ever hoped for... I've had a great run...So watch this space.
Will the banks will play nice? Will I find someone to help me get to work every day?
I hope so.
Stay tuned for:
AXE 2... The New Batch.
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