General Chat

does anyone know any lenders that will def. take on tenants with bad credit history?

i need one that will def take me on,im desperate,im so deep in debt i cant stand it

BB - if you are so deep in debt - please, you don't need another loan! You are just making matters worse. See a debt counsellor - see Citizens Advice but please don't borrow more money. Magsxx

i know i just cant bear it anymore,ive got companies threatening to send round debt collectors,and they wont listen,ive been in hospital am only on sick pay and my rent each wekk is more than that...ive had enough

i agree with Mags, Citizen Advice are excellent at this sort of thing, they have trained mediators to sort your finances out with companies involved. They will be able to negotiate on your behalf and sort out manageable payments for you. Even if you have been taken to court, they can intervene and take the pressure off you, legally and emotionally. Do give them a call today... it is so simple to do and you will feel so much better. :))

Baby like Mags says get debt advice at Citizens advice they will help you, And dont make yourself worried it will be ok. A man said to me years ago 'Dont worry about money let the firms who you owe it to worry about it' serious go to Citizens advice. Davex

Have you tried Citizens Advice? They have people trained to deal with this sort of thing. Do you get Housing Benefit? Have you talked to your local council benefit section? Magsxxx

I meant to say aswell BB, the CAB will sort things out for you there and then, they are very sympathetic and non Judgemental. you can sign an agreement for them to act on your behalf with the debt companies etc so you will not even have to deal with them at all. I know it is painfull but make sure you tell the CAB everything... they WILL sort it out for you. They are so knowledgeable on all the legalities involved and your rights. xx(especially concerning debt collectors!)

im just too scared to open the door,i live in rented furnished accomodation,they cant take things that arent mine can they?

am going to ring them at 9,im sorry to pour my troubles out,i just didnt know what else to do

im only 3000 in debt doesnt sound a lot but it is to me.im only in debt cos my ex bf left me in the lurch with the bills,and there were all in my name

meercat is right, they CANNOT take anything that is not yours. Now, if you are worried about anything that is yours.... remove it from the property now... easy. But, saying that... you are within your rights NOT to let them in unless they have a warrant. If i am correct ( i think so) they have to have visited you 3 times before they can apply for a warrant. so if they have not... do not worry... CAB will sort it all out straight away. They will also check you are getting all the money you are entitle to from government etc... and sort that out too, you may be missing out on certain benifits. Sorry to keep going on... but i see alot of this sort of thing with my job and am always refering peeps to the CAB. I can do the counselling but they do the practical work. :))

im grateful for any help anyone can give me.does anyone have the number for citizens advice?

your local CAB is in yellow pages... they dont have a national number just local offices. It will be in the front of the yellow pages in community listings. will check you have done it after 9am..lol xx

just read on website they put u in touch with someone?will i have to pay a charge then?i cant afford extra

No BB the CAB are free of charge. the person who deals with you works for the CAB.

i have looked at my local office and they arent open today.i despratly need help with this

dont panic! are they open tomorrow? if not, can you get to another branch nearby that is open? they will be able to take you on.

im going to ring them,can they still help me?i know it sound selfish but it got to the point this morning when i couldnt see a point to carrying on,and i know im going to get called an attention seeker,but i really couldnt see anyway out..im sorry

LIsten to me...BB They WILL sort it out for you, find another branch that is open, and talk to them. the second you get in there things will move swiftly and all the pressure will go, please believe me. Now deep breaths, you have made the first step by facing these debts.... that was the hardest part. If you want to tlak privately off here you are more than welcome :))