Who can give me the best debt advice in the uk?

I agree with Bob P - CAB is definitely the way to go. They helped me lots. You also might want to check this page out, which takes you step-by-step how to get a bit more control yourself, before you even go to the CAB. http://www.squidoo.com/personal-debt-management-five-stepsWho can give me the best debt advice in the uk?
I would recommend a company called Payplan, you can visit their site at www.payplan.co.uk they are really helpfull and don't make any judgement on you. They take into


account all you incomes and outgoings and work out a payment plan to suit you. They will take an agreed amount from your bank each month to pay each of the companies you owe money to. They DO NOT charge for the service, therefore all the money you pay out goes to your debts.


There are a lot of companies who charge you money to help you, try to avoid them. Hope this helps. xWho can give me the best debt advice in the uk?
Paul---debt is the same in China--Japan--Australia--States or UK. Do not get in debt---a home is different--you must borrow. Never pay your monthly oblicatons late and pay every month. Eatablish a credit rating that you are responsible and trustworthy. That may get you a better paying job. That you can take to the bank. Friviously spending on credit cards creates a strain on the next pay day. Some people in the States cannot have a bank account cause of bad debt.





If your having debt problems---the free advise is---get two jobs or more and get the monkey off your back. Stop spending Stop buying. Stay out of the pubs--being blotto does not help--If I had a consulting office I would charge you 50 pounds. Stay away from the professional he will charge more--OK





Good Luck-----
Hi,


I have to agree with the other answers and say the CAB as a first stop. They are free and independent.


If you go to a IVA or debt management company you will end up paying one way of another.





The CAB is over run with debt cases at the moment and transfer a lot of their work load over to CCCS and Debtline which are also free, but to qualify for help from those companies you must have some surplus income and debts of over a certain amount.





The CAB will help you work out exactly how much you owe, who to and calculate what you can pay back by working out a pro-rata payment scheme (IVA) They will help you write to all your creditors and in some cases can get debts written off. Its quite complicated but they know their stuff!





(But be warned if you go to CAB and they help you but you then muck up your creditors CAB wont help again!)





Hope this helps.
go to citizens advice... you wont get ripped off or conned into paying a percentage of other companys free advice or so called.


do it now before you get any further in there good luck...


they were a great help to me.
Okay here are the best 2 debt advice lines.





Consumer Credit and Counselling service


www.cccs.co.uk


0800 138 1111





National Debtline


www.nationaldebtline.org.uk


0808 808 4000








These are both free phone numbers, and both funded by the government. They offer a number of different ways to help. For Example, get rid of certain debt if held for over a certain number of years, they will give you your own adviser etc.. all for free.





I hope this helped and good luck.




















Oh, and dont go to any ';Company'; that will help to consolidate your debts, you will end up paying for their service, and you will end up with twice as much debt.
I Agree CAB worth a visit but also try





http://www.debtquestions.co.uk/
The CCCS are not really free and are certainly not impartial.





read


http://en.wikipedia.org/w/index.php?titl鈥?/a>





They are in the pockets of the creditors.








The CAB are a federal charity, some bureaux are good and some are not so good.





Most advice is free now so speak to some different people and weigh up your options.