Feeling a lil down

[roachieuk (aka eciggery2011)]

I wont be able to afford e-cig stuff for 3months now after my last pay just had two debts thru one after the other.Im feeling a little bit gutted tbh as i need to try and get stuff as cheap as poss now.

I trawled everywhere today to try and find a job ive handed my CV into 40 diffrent places and rang a good 15-20 jobs today and most that i handed my CV into said they arnt really looking for people right now but will contact me when they are.

Ive gotta pay 2k to a debt what has been a ongoing battle to something what wernt even me (a case of mistaken identity) and yes ive been everywhere to try and sort it out.And then yesterday had debt collectors on my door for £700 from an old catalog bill.

Its all gotten ontop of me and now ive got to pay and on top of that my dad is ill so might have to go to bristol to see him.

So any suggestions on where to get chaep juice mixing supplies or ready made juice from would be a great help.

Sorry to be an oldman and have a moan im not normally grumpy.

Thank you in advance for any advice.

[collie2011]

Get onto the CCCS and get them to put the debts into a debt management plan for you, then you only have to pay what you can afford and they have to leave you alone coz you are paying it off. That's what we have done with our debts.

[roachieuk (aka eciggery2011)]

Jun 22, 2011 15:18:26 GMT collie2011 said:

Get onto the CCCS and get them to put the debts into a debt management plan for you, then you only have to pay what you can afford and they have to leave you alone coz you are paying it off. That's what we have done with our debts.

Oh many thanks collie i just thought that was just another scheme what got you into debt but thanks for the info i shall call them up tomorrow.

[collie2011]

No my dad used them years ago and we used them a couple of years back too. They are a charity I believe but they don't charge you any fees or anything for the service but they deal with everything for you. They were really helpful.

[roachieuk (aka eciggery2011)]

Thank you ever so much collie its greatly appriciated im just hopeing something comes up on the job front then i can just pay it all off.

Ive just gone and looked for the phone number and got it now ty very much i shall give them a ring in the morning.

[Deleted]

Roachie man...been where you are...Hugs man...your videos are soooo good...

Best place for net advice is forums.moneysavingexpert.com (I'm on the no smoking thread putting out the word about e-cig )..

Firstly...SOA...statement of affairs...any probs the ppl above should be able to help you..

Second place - FREE DMP....you can either do this yourself or get someone to do it for you...again - debt free wannabe on the above then search for DMP (debt management program)..there's quite a few free ones out there...CAP (Christians against poverty); CCCS etc (I forget all the names)...whatever DON'T PAY

3rdly get hooked on MSE (the site above)...and if I have any free gear I'll try and send some your way..

If you need me Roachie even if it's just for a cheer me up I'm hear for you..

Did you say you were working right now or nae? I forget....if not VOLUNTEER....

Hope that helps

JO

[roachieuk (aka eciggery2011)]

Many thanks for your kind words Jo much appreciated and all the advice is greatly received.And ive applied for a couple of voluntary jobs and one should open soon as they have a couple of skool work exp in at moment but they finish in a weeks time so want some help then which will be excellent as i wanna do something.

And thank you so much for your offer if i ever get too tight for bits i shall take you upon that but not without some sort of exchange as i hate taking.

[Deleted]

I think you can do your ECDL at your local college right from your laptop @ home...

I've just put some cartos I don't want (cos they're derriered in terms of quality ) on the newbies section...

Might be a delay in getting bits for you...as like I get most stuff from china

But the offer is there till you find work

Jo

[Clutter]

Chin up Roachie

Phone National Debt Line for very good FREE advice re sorting out your catalogue and the mistaken id.

I've got debt collector after me too for my bro in law's debt. The collectors buy up debts and don't care whether it is against you, someone associated with you or a previous tenant. You'll need to write to them to get them off your back.

[roachieuk (aka eciggery2011)]

Thanks to everyone ive take all advice on board and i shall be doing some phonecalls tommrow

Clutter yes ive known this from a couple years ago they really dont give a hoot as long as they get there moneys.

I shall survive and keep strong lol and be the old happy me i usually am .

[Clutter]

They keep texting me to call them and I keep texting back telling them to call me if they want to chat. I need to get the letter off to them soon.

Moneybox live did a prog on 1st June re debt collection www.bbc.co.uk/programmes/b011jv87

[roachieuk (aka eciggery2011)]

Ah thank you clutter i shall give that a watch later im lucky really i dont get the phone calls just the letters and obv the other nite a baliff who wasnt happy cause i couldn't offer what he wanted.Im on benefits and he expected £100 a week im like i dont even get that and he goes what about £50 a week.
Im like yeah and i go hungry and cant afford to pay bills.

I said to him you wither accept my £20 a week or nothing so now hes got to go talk to his boss but i shall quib that and give cccs a ring tomorrow.

And see what they can do.As i always thought as long you offerd 50p a week they couldnt touch you but that isnt apparent so anymore.

[Clutter]

Was it a bailiff or a debt collector? Big difference. Bailiff's have to have a court order. Don't talk to anyone until you've taken advice. Make sure any agreements are in writing.

The link is 30 mins radio.

[roachieuk (aka eciggery2011)]

Jun 22, 2011 19:29:10 GMT Clutter said:

Was it a bailiff or a debt collector? Big difference. Bailiff's have to have a court order. Don't talk to anyone until you've taken advice. Make sure any agreements are in writing.

The link is 30 mins radio.

Tbh clutter i aint sure i shall have to get the letter and tell you as its downstairs in my draw.

But i shall let you know later.

And ah sorry and ty this advice is a real big help as tbh im one of these people who would normally just say yeah ok and pay them.But it aint so easy when you on JSA.

[Clutter]

You'll need a notebook if you ring Nat Debt Line as they'll give you a lot of advice and will also send you a lot of bumpf in the post.. You can email them and they'll call you.