1st time post on default & general advice

[hirsty07]

hi, this is the first time i have posted on here and sorry i'm well new to all this. I really hope somebody out there can help and give me quality advice as i dont know who or what to believe at the moment. Anyway the story is at the minute ive got a debt of 26k to 6 creditors.

 

I worked out my outgoings/incomings and got advised to go down the CCCS route at the end of december when i knew i was getting in deeper debt. CCCS accepted my payments (of which ive made three of now @ £150pm ) and three of the creditors accepted what i had offered. The other three (who i'd never missed a payment to,yeh i know it makes no difference) MBNA, MINT & Halifax ,however declined and have since bombarded with all the letters,phone calls etc, while still adding the interest on. Two have today sent a default notice out.

 

The cccs have advised me not to worry if it goes to court as iwill be able to show that is all i can afford. Ive heard about asking the creditors for a CREDIT CARD AGREEMENT? would this or anything else help?

Can anybody advise if i am to take any other steps at the moment please. all replies greatly appreciated.

ps, i currently have a joint mortgage ( should i come off it? ), just thought i'd put that bit in as am a bit worried over house.

[lazybones]

Hi hirst07

In same situation re debts, exept no mortgage, not sure if I can help.

 

Just replying to bump you up

[lazybones]

Hello me again

 

Try posting in DEBT ACTION GROUP three forums there might get more help there

[hirsty07]

Hi,

I'm currently thinking about using a firm called Redress to look into clearing

some of my debt off.

I'm currently on a dmp , which ive been on for over 2years now.

 

Redress have advised me that because my cards are before 07 i would more than likely be able to wipe some of the debt off.

 

I hope someone has experience of Redress, many thanks .

[silverfox1961]

Hi, Not heard of them but, why pay someone else to do a job you can do quite easily with the help of the peeps on here (and a lot cheaper)

[hirsty07]

hi,

 

I'm looking to send CCA letters to a two collection agencies & Lloyds TSB. Can anybody advise or send me an upto date template please.

 

thanks.

[maroondevo52]

Hi,

 

http://www.consumerforums.com/resources/templates-library/86-debt-collectors/581-cca-request-letter

 

Regards.

 

Scott.

[hirsty07]

Thanks for the template.

 

The letters are typed and will be on their way tommorow

 

Thanks again.