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nataliaw
Starting Member
1 Posts |
 Posted - 11 January 2009 : 23:44:38
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i have had the burden of debt for 4 years. i have seeked advice on and other plans. basically my outgoings regarding all my payments on my debts totally exceed my monthly income. i just really want the best solution as i cant do another year of this. please advise
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Edited by - nataliaw on 12 January 2009 10:27:32 |
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Reviva UK
Advanced Member
United Kingdom
2452 Posts |
Posted - 12 January 2009 : 00:20:38
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Hi and welcome to the forum.
Can I suggest you start with opening a new bank account . The COOP provide an account called CASHMINDER and it is a basic bank account and they are fine if you are Br.
The account offers telephone & internet banking plus a debit card DD's and SO's.
You can open it by going to a branch or by telephone - there is no online application .
Paul Johns
Assisted Bankruptcy Specialists
Reviva UK
Real People ..... Real Debt Solutions
www.revivauk.com |
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givemestrength
Junior Member
United Kingdom
141 Posts |
Posted - 12 January 2009 : 06:58:21
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| hi, i set up a cash minder account with the co-op, it took 5 minutes over the phone + received everything within the week. |
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JulianDonnelly
Junior Member
United Kingdom
325 Posts |
Posted - 12 January 2009 : 10:33:17
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Hi Nataliaw and welcome to the forum.
In order to ascertain if BR is right for you. I really need a bit more information:
1. Do you own your home? If so, is there any equity?
2. do you have any valuable assets like a car?
3. What do you do for a living?
4. What is your disposable income (ie. once mortgage/rent, bills, food & travel etc is paid, but before any unsecured creditors)?
Julian Donnelly
Spokesperson for www.Bankruptcyhelp.org.uk
Don't forget the helpline on 0800 078 9367 |
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Needafriend
Junior Member
United Kingdom
344 Posts |
Posted - 12 January 2009 : 10:47:34
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Natalia
As Julian has said we do need a bit more info from you if you dont mind sharing. We all want to advise you and help to make this situation and easier one, so if you feel up to sharing then please do give us a little more and we will be there.
If you feel you cant share on here then call the helpline, its free and confidential, you can call them, discuss your worries and an adviser will go through the options, that number is 0800 078 9367, if they cant speak straight away please do leave a name and a contact number and someone will get back to you.
Best of luck
Jo
x
Needafriend says:
Just always remember one thing, Your not alone, your not the first and you wont be the last.
23 Weeks down
29 to go
For more info on how i have come through bankruptcy and for links to help with filling out the forms, I&E, Car Valuations, etc, etc, you can read my blog here called:~ Needafriend's Info on Bankruptcy :-)
http://debtfreejo.blogs.bankruptcyhelp.org.uk/
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burden
