I can assure you that Mint are mistaken in this instance; we do have a consumer credit licence as of course we could not trade without one. It is a little confusing that Mint would think this, but if they questioned whether Melanie Giles had a licence then i am less concerned, as she has been workin...

Hi freelili,

Would you be prepared to chat through this with us? Do not feel any pressure to if you are unsure, but we are interested in understanding why these kind of situations occur.

Thanks
Steve

Many thanks for the feedback from you all and apologies for not getting back to this thread sooner. If any of you are prepared to email some more details to us that would be great. I appreciate the time taken to do this and of course no details are passed onto any third parties at all. Particularly ...

Hi, We are currently doing some research on the different experiences people in debt have when dealing with their creditors. Understandably creditors do contact people who have missed payments and send letters to chase up the debts, they are after all owed the money. However, we are interested parti...

Hi Gavin
Really good news about the job.
Get the bankruptcy behind you and the only way is up.
At least you have tried 100% to deal with your debts.
Regards

Deborah
It is always a good idea to speak with several companies so that you get the best advice.
It is always difficult to take that first step but you'll be so pleased that you did
Regards

Hi Charlotten
If bankruptcy is not an option then a debt management plan might be.This will give you some breathing space until you return to work
Regards

Hi k r
That sounds a very good offer and one that your creditors could well accept.The fact that you are not working will make the offer very tempting.
I suggest that you put this offer forward to your IP
Good Luck

Hi, Just wanted to say that is was great to put a few names to faces on Saturday in Slough. A lot of our work is telephone based these days, and meeting you all took me back to when I first worked in the industry, driving miles and miles around the country (!) to meet people with financial problems....

Hi Natasha Yes, you need to calculate what you have spare for your creditors, by listing all your normal home expenses and giving details of your income. Then print this out and send it with a cover letter to each creditor, explaining that you cannot afford to make your monthly payments but are keen...

This is a really important point that size 5 makes re the affordability of the monthly repayment. At the start of any solution, breaking the cycle of debt and preventing the debt getting any bigger is key. Therefore, once once your disposable income is established it is sometimes this that governs w...

I think this is a great thread which hopefully will help people looking for solutions to make a clear informed choice on what is right for them. Your objections are quite valid Andrew but as you can see from some of the responses here there are some situations which benefit from a temporary fix whic...

It depends whether you have any debt with your bank. Most people do have either a loan or overdraft which means that means that you would need to open a new account to seperate your income from your debt. This is quite commonplace for people in debt problems and though a little bit of a pain at firs...

Hi Viki, You are right it can happen, but the point i am making is that they cannot come into a person's home without a court order - hopefully a little reassuring... The door collections can be very frightening as people are not sure what the collector is actually allowed to do. I think it is rathe...

This is naturally a common concern, especially for homeowners and those who have children at home. People do have different experiences with this, but the simple facts are that without a court order a bailiff cannot enter your home without your permission anyway. A bailiff would only be able to get ...