Advantages FREE help and advice, Reducing our debts
I had heard about the Consumer Credit Counselling Service (CCCS) from my boss, he was having a bad time with his finances after getting married so had contacted them for help. During one of our regular chats at work I mentioned that things financially were starting to get a bit tight for us. He advised me to have a word with CCCS as they had helped him out in a similar situation and they could do the same for us. Well I wasn't keen on telling the world I had money problems and was sure things would get better and I kept saying just a few more weeks on benefits and things will be ok. I was only working as a volunteer and was sure that a job was around the corner.Well let's just say things didn't work out like that it wasn't a few more weeks on benefits and to make sure that the kids had clothes and the things they needed I would put more and more on the credit card and then applying for another card to help pay my other cards off. Things were starting to get really bad that I thought we needed to take some action, so we looked at our finances and started getting rid of any direct debit that wasn't necessary things like our home DVD rentals went out of the window. Then we started looking at reducing other bills like our mobile phone bills and cable TV package, I managed to get both reduced to the bare minimum. We also applied for a social loan to help out a bit but it didn't as we were then getting a reduced income to pay that off.
Things came to a head and we started getting red bills more frequently but still didn't have the money to pay them so some bills started to get ignored in the hope they would go away, which of course they wasn't, direct debts were starting to be refused and I didn't ever dare use my cheque book, and we dreaded going to the cash machineto see if there was anything we could draw out to get some shopping. By that time we were looking at something in the region of £5000 in debt to credit card companies, catalogues and even the bank who were charging me large sums every month due to us being well over our overdraft limit.It was then that I thought its about time we did something more drastic than just getting rid of a few small bills that obviously wasn't making any difference to our overall finances. That was when that chat I had had with my boss about a year before came back into my mind, I couldn't remember the name of the company he went with but knew they were just initials so I started looking on google for companies that helped with debt problems that's when I came across CCCS instantly I knew this was the company that my boss had been talking about.
CCCS are a registered charity they are not there to make any money from you and everything they offer is free and confidential. There phone number was free so I thought that I may as well give them a call and have a chat to see what they say and what can be offered to us. I spoke to a guy who talked me through what I should be doing and not to let the worry of these debts get on top of me the first step has already been done and that was to seek help.
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