Hi You need to contact your estate agents and ask them to sort this out they should have a forward address for the previous owners, dont forget if in doubt write direct to the previous owners if you put their name on and your new address it should be redirected! You need confirmation in writing that the bill is paid or is being chased after ...

Hi I have received a gas bill from Npower for my old address for over £700. I left my previous address in Feb of this year and we recieved a letter dated March 2009 saying we were in credit £30 with Npower, I contacted npower to close account and get refund and sent them a copy of the front page of my new rental agreement as ...

Hi I'm not an expert but im in a Debt managment plan and i can alter mine if circumstances change or i find that im still struggling. Im with CCCS which is a charity so doesnt charge for its services, not sure if its different if you're with a private company. Why dont you contact the company and explain your situation and how you are ...

You make one payment to CCCS and they split that payment between your creditors, they will give you a run down of who gets what usually the one you owe most to will get largest chunk. good luck

Hi, I too have been where you are, me and my partner both work and could just cover the bills but literally had nothing left for anything else- we used credit cards for food etc until they got maxed out- i was very stressed! Now i have contacted CCCS and they have been great. I would say avoid an IVA if possible its a legally binding ...

Hi, I'm also going through with a DMP with CCCS, my view is that CCCS as a charity are quite good at negotiating with companies to reduce/freeze interest, i would also contact the companies yourself to request freezing interest- explain its in there interest to do so otherwise you wont be able to repay the debt etc etc.(i did this with Egg who ...

Hi i was wondering if anyone had any advice, ive recently contacted CCCS about a DMP and i have my phone interview/conversation(?) booked for next week to go through all of my expenses. They told me i would need to be really precise and list things like bus fare, lunch money etc im just panicking that if i do this and agree a plan and im still ...

Hi first i would say dont panic it wont change anything- easier said than done i know! I am in virtually the same situation as you debt wise except i dont have a morgage i rent. I have recently contacted cccs and they are now dealing with my credit card debts, I feel like a weight has been lifted, i know it affects your credit rating but its ...

Hi, We currently subscribe to Setanta- only for the footie, I want to cancel now as they have lost the rights to the football, but i believe as of today they have gone into administration. Can i still cancel as normal or is the procedure different? Thanks

Hi, In my experience if you got a loan now you would be unable to apply for a loan later in the year. Why not speak to the bank about increasing your overdraft for 6 months?If you have a plan before you speak to them in writing about why you need an extention (dont say a holiday) and how your financial position will improve-ie a job in sept, ...