www.iva.co.uk

Hello to everyone,
I have been reading the posts for a few weeks and its a good place for support and really good advice.
i myself have a large debt spread over 5 creditors.
It all finally got too much and i was trying to pay out more than i actually took home.I went to my bank and they advised the cab.I went there and ended up phoning cccs.
At the moment i am having to wait for a tax credit letter as my payment will change due to civil partnership so at the moment i cannot complete the online form.
Cccs advised i wrote to the creditors in the meantime while i was waiting...which i have done.
I recieved a letter from my credit card company wanting me to fill in a state of affairs with a realistic amount for payment.Do i do this or do i wait until i have recieved the tax credit letter and am in contact again with cccs?
be really grateful if anyone can help??
If i dont fill it out what do i say to them in the meantime?

Hi and welcome to the forum.

It is up to you whether or not you get in touch with this creditor, but I do recommend that you speak to one or two other companies. Visit www.iva.com for a list of companies and reviews. The advice is free and impartial and they will take into account your tax credit query.

Hi
I would talk to several experts/companies as well as the CCCS and explore all options, I wouldn't fill out an income and expenditure for just one company, better to let this be sent by the company dealing with your case
Good luck
Regards

Hi and welcome to the forum,

As the others have said, get advice from a couple of companies. Well done for making the first move and keep asking quiestions, we'll try and help.