Written on January 25, 2010 by Gareth Chidgey
Joanne left University with Student Loans but decided that she would work hard straight away and pay them off. She managed to do so and so she had no real fear of debt.
Free from the burden of student loans she applied for a credit card. This came through no problem at all. Then she was invited to apply for another. After a while she decided to repay both of the cards with a loan from her bank, who at the same time gave her a third credit card. Now she had a loan to pay every month and things were getting tight.
In order to simply live each month she started to use her credit cards. She had also built up other unsecured debts. She didn’t think this would be a problem because she remembered how she had managed to pay her student loan off. But this time she just couldn’t seem to find the money.
Then someone advised her to think about bankruptcy but she was horrified at the thought. Luckily another friend mentioned The Debt People.
“When I called the Debt People I really thought that my only way out was going to be Bankruptcy but I really didn’t want to go down that route. Then the Debt People mentioned an IVA. I hadn’t heard of this before. They explained it to me and sent me some documents about it. They let me make up my mind in my own time. They didn’t pressure me – unlike the credit card companies who were always sending me letters and calling me on the telephone – sometimes even at work.
When the Debt People told me that all these calls and letters would stop, that I could avoid becoming bankrupt and that they could even negotiate the debt down I have to confess that I thought where is the catch. But there wasn’t one. 6 weeks after my first call to the Debt People my arrangement was approved. Now I have really got my life back on track”.
Written on January 25, 2010 by Gareth Chidgey
Irene had no real idea of how much her house cost to run. All financial matters had been taken care of by her late husband. On her own she not only had to cope emotionally but now she had to try and run her home on her own.
Irene realised quickly that she [...]
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Written on January 25, 2010 by Gareth Chidgey
Mike had a great job and was earning a large salary. He set his life out according to how much he was earning. He built up substantial debts on loans and credit cards and none of these caused him any great concern. After all, why should they when he was taking home [...]
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Written on November 2, 2009 by Nathan Cameron
Mr Leach came to us on 26 June 2008. He owed over £11,000 and was in receipt of 3 pensions but was really struggling as his wife was unable to work due to her deteriorating mental state.
Mr Leach had battled to look after his wife for the past 4 years and came to us as [...]
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Written on October 5, 2009 by Nathan Cameron
Carol became free from debt with a debt management plan from Chiltern. She said the following about the debt advice she received: “It was a relief to know that there was always someone helpful at the end of the phone when I needed any debt advice, and the knowledge that you would always sort it. [...]
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Written on October 5, 2009 by Nathan Cameron
Graham from Rotherham had a debt management plan with Chiltern. Graham said this about the free debt advice he received: “From my own personal experience as a Chiltern debt management customer, I cannot suggest any area of service that needs improving. I would recommend Chiltern and could happily tell anyone about the great service and [...]
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Written on October 5, 2009 by Nathan Cameron
Dorothy from Borehamwood needed a debt management plan from Chiltern. She said this about the free debt advice that we provided: “When I made the first phone call for some debt advice, the adviser I spoke to was very reassuring and I felt relieved after months of stress. The phone calls (from creditors) stopped and [...]
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Written on October 5, 2009 by Nathan Cameron
Marianne from Glasgow was thrilled with her debt management plan from Chiltern. She had this to say about the debt advice that was provided: “From the first call I made to Chiltern I knew I had made the right decision. They were really helpful, in setting up my debt management plan, and took control of [...]
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