Who can I contact in the UK if I have debt problems with credit cards?

If you’ve got problems with UK issued credit cards, there are a number of places you can turn to for help.

My advice would be to talk to them as quickly as possible, and also before you get into any correspondence or dialogue with the card issuer(s). What you say to the card issuers will have a profound affect on how the matter is handled, and the outcomes.

The Citizens Advice Bureau will always help (look up your local branch in the phone book)

There’s also the National Debit Helpline, 0808 808 4000 or the Consumer Credit Counseling Service 0800 138 1111. Both of these are charities who will help you for free, and these numbers are free to call.

There’s more free advice on the website here, and links to the above.

http://www.cardchoices.co.uk/credit-card-issues/useful-contacts-if-you-have-debt-problems/

 

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Are Cameron’s spending cuts not just going to make the whole debt problem worse?

All we need to do is change our address a few times and stay low for 6 years and then we’ll be Statute Barred and owe nothing to no-one.

Simples!

Edit: instead of Gt Britain, we are now the United Collection of Small Counties residing in the Southern Atlantic. If the baliffs turn up, we just close the doors and windows and pretend there is no-one home!Without the cuts the incentives for individuals and businesses to work to create goods and services will be curtailed and everybody will be poorer even faster. Time to get people riding in the cart out of it and helping to pull. Or else those pulling will give up altogether. And depending on how much taxes are raised, they’re going to give up anyway. Checks from the government, which is borrowed money, are not wealth. And people should not have babies they cannot afford.Peoples houses were being re-possessed the first day after labour took power and it continued for another 12 years. You rob Peter to pay Paul, that’s the social fund. Except labour were robbing Paul to pay Jonaz and his family back in Poland. Yeah yeah yeah, EU and all that bollocks, we’ve made nothing saved nothing. The last person to leave Britain is welcome to the copper pipes.Well that’s the point of conservatism. What has been saved is rich people paying to help less rich people.

None of this comes as any surprise – they are not interested in the likes of you and I, we are supposed to serve not live.

They are not interested in ’saving’ money – they are interested in getting it – and keeping it.

But apparently, according to the media we are all ok with this. Either they are asking some dumb as@ folk or the tw@ts that voted for them.

They will start calling things by different names soon – the ‘unemployed’ won’t be called that so therefore they will claim that they have solved the issue. They will strip the working class bare and say they have solved credit problems.

The conservatives were not interested when they were in opposition – just furious they weren’t in power and now they have it – it’s time to smack the working class.The problem is not really private debt, which is largely manageable, but public debt. That means tax rises and/or public spending cuts or else the country goes bankrupt. Or ends up like Greece.

This will indeed affect those who depend on the public sector, but there are different ways of doing that and it can be done in ways that that affect the most needy the least. The wiser option there would be to cut non-essential projects and keep those that are really needed. Many ‘value-add’ projects could be suspended or shelved for a few years while the essentials are maintained.

The other strategy is tax rises, but again that has to be done carefully so as to not suppress the consumer sector right across the board and hence kill the recovery. The recovery will really depend on the private sector growing, as that is what generates the wealth hence tax revenue.

The public sector does not generate wealth, but does provided services we seem necessary or desirable for society. It therefore makes sense to back pedal that just enough so as to both reduce the deficit and allow the fastest recovery, but not too much so it plunges people into poverty. It’s a fine line.

Certainly there will be pay freezes and lay-offs, and unemployment will rise by Q3/4 this year, but if the recovery happens then there should be an increased private sector job market by Q1/2 next year and that should surpass the job losses.

So it’s a tricky one to get right, but not impossible. If they do it right there will be some pain but not agony, and better times ahead as we recover nicely. Screw it up and we all suffer for much longer as stagnation continues.Firstly, if people can’t afford to have kids then they shouldn’t have them. Your kids are your responsability not the tax payers.

Secondly, far too many child benefit and tax credit claimants earn enough to pay their own way and only claim these simply because they can not because they need to.

Thirdly, if you can afford a computer and the internet then that makes me wonder what other gadgets and services you have whilst claiming to be poor which takes the p**s.

Fourth, If people spent their money on what they need and cut back on the things they don’t need but want (computer, internet, etc) then the vast majority can survive perfectly fine without any tax payer funded handouts.

Seriously why can’t people take responsability for their own lives and think before they have kids and look at whether or not they can actually afford them. If not you don’t have them if you can then you pay your own way. What’s so wrong with that?

It takes the p**s when people on the internet who obviously have a computer and internet access claim they can’t afford their kids up bringing without tax payer funded handouts. If that really is the case then sell your computer and any other gadgets and services such as mobile phones and get rid of your internet access. You don’t need them to survive and you certainly shouldn’t be claiming poverty whilst having them.

Bottom line is if you lose your benefits and tax credits and still keep your computer and your internet access and whatever else you may have then you have no sympathy from me. You only have yourself to blame and have no right to complain.I’m sorry, but if people cannot afford to support their own kids, then they should not expect the tax-payer to support them for them – constantly from the crib to leaving school or Uni. Therefore they shouldn’t have kids in the 1st place. That is what is wrong with the system, it’s too geared up for nannying those that would sit back and keep relying on benefits instead of working a little harder and claiming a little less.

We need a complete culture change that encourages people to be more responsible and live and have kids within their own needs instead of encroaching on more responsible people’s tax bill.There is already record levels of personal bankruptcy, before the coalition came to power. What we will see over the next 6 months is Labours fault. No coalition policies will filter down for at least this period. Both my Wife’s and sons employers are having meetings with staff to see what they can do to avoid redundancies, this is not because of coalition policies, it is because Labour screwed up.

If they put a cap on what they were prepared to pay for social housing, you wouldn’t have the crazy house prices you have today. Paying £100k for a house that you can rent out for £7k a year is good business.

Paying a civil servant £20k a year plus sick benefits and pension isn’t sustainable, otherwise why not make everyone unemployed a civil servant? Do you think that will remedy our problems? Brown did and look at the sh!te we are inSo your answer is to get deeper and deeper into debt providing for those on benefits . I think that is the reason we are almost bankrupt in the first place. And we who have provided all the money squandered on others are now the ones who have to pay back the debt .Living within your means is something the benefit culture does not seem to get and thinks that somebody will provide, well as somebody who has been part of that providing for years and years i couldn’t give a toss if those on benefits go short go to bloody work like the rest of us . And i do not wish to hear the usual whine there is no work i work and i am a pensioner but am not picky about what job i do .There are two million immigrants doing jobs that British people refuse to do , and there are two million on benefits who could have filled them jobs .But think they are beneath them but it is not beneath them to ponce of us who do workWe do need to make huge cuts to deal with this debt, but I do agree that Cameron is going about it in completely the wrong way.

I agreed with labour’s idea of invest now to allow public services and incomes to grow now we are free of recession, then start cutting next year when the economy is back on its feet. I do not agree with Cameron’s idea of ‘go in and make cuts now’. The debts we have do not have an immidiate time limit on them, so there is no rush for a couple of years to start paying them back. We should be protecting businesses and families now then cutting when people have got something to spare again.

When examining the Tory manifesto this year, I was disgraced to read that they planned to Raise the threshold for income tax (allowing rich people to get more from their parents tax-free) but at the same time cutting child tax credits to the poorer families. This to me is startingly clear that the same old tory ideas of help the rich and forget the poor are active in Camerons new so-called ‘compassionate conservatism’.

 

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Debt consolidation loan?

None
With "very bad credit" no one is going to give you a loan. Even IF you found someone to lend to you, with your credit history, the interest rate would be high and wouldn’t help you at all.
Getting a loan to get out of debt is not the way to get out of debt. You need to increase your income.It seems you only have 2 options:

1. Find a loan that you can repay within 3 years where the monthly payments are less than the 2 loans you have already added together.

2. Stay as you are.

This is assuming that the 2 loans you have now are 5,000 and will take 3 years to clear otherwise you are not comparing like with like.I’d only like to say that you should find out why the debt has truly accumulated. In a case of irresponsible use of credit cards, after paying off the credit cards with a debt consolidation loan, cut the credit cards up. If you need to have credit cards for rental cars, business trips or on-line purchases consider secured credit cards or debit cards. Spending on secured credit cards cannot exceed a limit based on the value of an accompanying savings account. Use of debit cards require you have money in an account in order to use the card.Are you looking to consolidate credit card or other debt? Do you have bad credit history? There are many options available online nowadays to help you consolidate your debt. Whether you are wanting to consolidate credit card debt or other kinds of debt, it can be overwhelming searching online to find the best ones for your situation. Here is a short overview of what kind of debt services are available online.

http://theloansonline.blogspot.com/

If you are looking for a loan to consolidate your debt, you will need to qualify for the loan, just like any other loan. If you have a home, you may be able to get an equity loan using your equity or even go over the appraised value of your home in order to get the financing you need.hi
If you looking for a legitimate online loans in 1 Hour.once approved your loan will be transferred directly to your checking account promptly, and securely. Now you’ll be able to use the cash for all your necessities.

http://bestonlineloancompanies.info

• 100% secure and processing
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Good luck!…..

 

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I am struggling with dept, i need to get a loan to consolidate my debts,?

First stop spending money. Half of the things you think you need are luxuries. Cancel cable tv cell phone and internet. Stop going out to eat. Quit buying new clothes. Get a second job to help fill your time. You might not need a loan after a few months. As fas as debt, pay off the newer loans first especially those for things that could be repossesed or forclosed upon. Also cut up your credit cards.First of all don’t panic! If you go to the link you will see that there is always a way forward. The site is not geared to selling and the advice is free. If you follow Martin Lewis’s advice you will be able to extricate yourself from debt. It’s like giving up smoking……you just need the willpower.Steeldiesel talks a lot of sense and theres not much else i can add – but please, dont get involved with any loan sharks or people who agree to lend you money, irrelevant of your financial situation. The interest that they charge is way beyond what you can afford.
And if you really are in the dog house, make an appointment to see your bank’s financial advisor – they may be able to help you in the short term, by freezing interest on bank loans (if you have any), or give you payment holidays (normally a few months.)
If all else fails – go and see your Citizens Advice Bureau. You’ve got to book an appointment first, but they are a wealth of knowledge, very friendly – and dont charge a penny.
Hope everything works out ok for you You can get free advice from the Citizens Advice.

There are a lot of alternatives that are available to you.

I you owe £5000 and not have all that long to go a consolidation loan could be more expensive in the long run.

You can phone the citizen’s Advice for helpI am bello smith, a legitimate, tested and trusted as well as a reputable money lender. We are a company with financial assistance. We loan funds out to individuals in need of financial assistance, that have a bad credit or in need of money to pay bills, to invest on business,to settle mortgage/home problems. I want to use this medium to inform you that we render reliable beneficiary assistance as I’ll be glad to offer you a loan. Loan minimum of $2000 and maximum of 5million with and agreeable interest rate of just 4%

Services Rendered include;
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FIRST INFORMATIONS NEEDED ARE:
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Hope to see your response via this mail address, macroloanfirm.everyday@gmail.com

 

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Debt Management answers?

 

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PROBLEM OF COLLECTING & INTERPRETATION RELEVANT DATA FROM CONSOLIDATED FINANCIAL STATEMENT?

I think the biggest problem in trying to compare statements from companies in different countries is that the rules vary from country to country in how to record items. So to be able to accurately compare you’d need to make changes to the financial statements so that differences in treatments are neutralized. Example: in the US R&D is expensed the year it is incurred, in other countries it’s capitalized – entered as an asset and expenses over time. If you were comparing statements from two competitors with the variation, it would look like the US company isn’t doing as well because it’s net profit would be lower, everything else being the same.

 

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Ok i am on a debt management plan i went for a job i really wanted in a callcentre last week didnt get job do?

It really depends on which company it is, any kind of financial company will ask you about you financial situation and some do credit checks, they usually will ask on the application form and will always ask before doing a credit check. I would not worry about other companies as this is not usually the norm. My advice is not to work in a call centre because you are still grieving you will be upset by the general public who to be quite honest are horrid.

 

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Has anyone in the UK ever used a debt management company called Pay Plan, if so what do you think of them?

The CAB will only direct you to a reputable company and if they are not charging you for their services at all then this is further proof that they have good intentions and are not in it for the money they can make out of you.
Other companies such as Baines and Ernst are better known but charge quite a lot of money for their ‘help’. This money could be better spent paying off your debts so don’t ever think about taking on a company that charges you at all.
I have never heard of Pay Plan but there are several non-profit-making companies that do a similar thing. Really, they are only doing things for you that you could do yourself, but their guidance and control make it easier to manage your money.
If you have any doubts just give them a ring and ask them to explain how they work and how they are funded. They are probably set up as a charity and they also probably get that request quite a lot so should be able to tell you everything you need to know.
Good luck getting your finances square.

 

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Debt advice lines, for consolidation?

Don’t consolidate debts, you just end up owing more for longer.
Go to the CAB and they will help you to negotiate with your creditors and prioritise your debt repayments.
There is a charity called CCCS who are also really helpful.

 

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HOW DID AMERICA ATTEMPT TO DEAL WITH THE WAR DEBTS PROBLEM IN EUROPE (AFTER WORLD WAR 1)?

America did deal with pretty few things in europe after WWI because Isolationism (president Wilson).
Germany, Austria (and other countries that originated from Austro Hungarian Monarchy) and Italy were forced to pay heavy fines to the victorious powers.

For example: France occupied whole of german industrial zone as restitution.
Austria and Germany would have paid back these fines until the end of the 20th century, if they had not been abolished after WWII

These fines were also a main reason for Hitler to get so powerful, because he used them as argument that it was necessary to get revenge upon france and other countries.It was in favor of letting Gemany off of reparations, because America entered the war late and didn’t suffer the majority of the losses Britain and France did. This was problematic because the other two demanded reparations of Germany to help payback the money, supplies, arms, equipment that they purchased from the US. Either way, the US was going to be paid, but since it didn’t supply much to Germany, they didnt demand much from them. This was a huge contributing factor to the rise of WWII and a reason the League of Nations was passed on by the Americans, even though it was their idea.

 

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