Hi Tim, JC International certainly is a legit company but it is based in the US since 2002 and trades in the UK under the name Creditlink Account Recovery Solutions (CARS). They are also FCA regulated according to this review on google: https://moneynerd.co.uk/jc-international-acquisition/ I believ...

Above all else, keep in contact with them and do not ignore them. 1. Ask them to prove the debt is yours 2. send them a letter explaining your situation and enclose your monthly budget. 3. Provide your contact preferences whether that be by phone or letter at specified 4. ask npower and moorcroft fo...

If you admit that the debt is yours, the easiest thing to do is to organise payment in full or better yet, try to arrange a lower amount to repay. Debt collectors like CCS buy debt for a fraction of the original price so you can often get away with paying less (but this settlement will stay on your ...

Again, I really would not recommend this as not only does a CCJ have a much greater effect on your credit report than a default and will extend the 6 years from the original default to the date of the CCJ. ALSO, as Kallis said, if you miss your court date then CCS have the right to employ bailiffs t...

Hi Jochim, I know dealing with debt collectors can be stressful and irritating but THE WORST thing you can do is ignore them as they are very persistent and ignoring them only escalates the severity of the situation. If you ignore them, not only will you continue to be harassed with phone calls, let...

That is terrible advice - I'm really sorry! Have you complained about Debt Guardians? I don't know if they are registered with the FCA but that seems very wrong! I don't think I can help you here but I would advice always being upfront with creditors and the like and keeping communication going. Peo...

love hearing stories like that - I genuinely believe if you act in random kindness to others then someone will act randomly kind to you!

Hey Joanne, The 'Cash Envelope' system works really well from what i've seen. If you google it or watch some videos on youtube it will tell you exactly how best to use and it will save you lots! It's definitely proven to work for some people but I'm scared to try it as I don't really like keeping ca...