Don't you just hate it when....
- Thread starter Shirleen
- Start date
Shirleen
Gold Member
How did you get on chicken?
X Kelly X
Silver Member
moonwatcher said:Lots of good advice already posted - would also add take a look at the consumer action forum site. (Can't remember the exact site address but google 'consumeractionforum' and you will get there - go to the sub section 'debt.') There is loads of information on there, template letters to send to credit card companies etc.
It can be a bit 'militant' - sorry can't think of any other way to describe it - but I used it about 7 years ago and have dipped into it here and there for advice and it changed me from a gibbering wreck every time the letterbox or the phone went, to someone who felt in control of our debt and on the road to sorting it out. It also educated me to how 'mis-leading' some of the letters I was getting from people chasing debts were. As DanielleOD has said, credit cards are not a priority debt and don't let anyone try and persuade you they are! One thing I really learned and still stick to was not to deal with any of it on the 'phone, but always to put offers, income and expenditure etc in writing and to insist on a reply in writing as well. This was after I had basically been bullied on the 'phone to agreeing to a larger payment than I could afford!
One other thing, you've put in one of your posts about topping up a loan (cat loan - must be car loan? even my cat's not that expensive) Try to avoid doing this in the future if you can, because long term it increases your debt. It is also against the codes of practice (may even be law - I can't remember) for someone you owe money to to encourage you to take out another loan/increase a loan/or borrow more on a credit card to pay another loan back, for the same reason - it is increasing your debt.
Sorry of this has rambled on a bit, but having been in the situation myself, it is something I feel very strongly about. After a drastic unexpected change in circumstances, I never intended to not pay back what I owed, but found the tactics of some of the people I dealt with was very intimidating. I know how it can keep you awake at night and dominate every waking minute, so sending you the best for getting it sorted out.
:bighug:
Also ... just remembered - you can contact the NCCCS (I think that's right - might have too many 'Cs' in it, but it is the National Consumer Credit Counselling Service or something similar.) They sent me a pack with advice, template letters etc. I found in the early stages that just mentioning that I had taken advice from them and was following their guidelines had a very positive effect on the attitude of the people I was dealing with.
Finally (!) Take action sooner rather than later. It is tempting to just leave it 'for a while,' but I bet you will feel so much better when you feel you have set the ball rolling and done something positive.
Wow brilliant advice thank you so much xx
bevhunter1986
Silver Member
Shirleen said:
Oh dear have you been policing again!
x
Shirleen
Gold Member
Oh dear have you been policing again!
And reporting all my own posts! lol
MissSlinky2011
Silver Member
You put on 4lbs but you've been really good
parfittaroles
Silver Member
MissSlinky2011 said:You put on 4lbs but you've been really good
To be fair you are carrying a child!! xx
MissSlinky2011
Silver Member
Yeah but I've been really good and I'm only 16 weeks, I've never put that much on in a week before
