help wanted re: credit debts....eg alternate options

"Fir Bolg" wrote in news:bn6rvc$1jg$ snipped-for-privacy@newsg1.svr.pol.co.uk:

For general advice, see:

The OFT guidelines to debt collectors may help you to rebut unreasonable demands: See also the following 2 sites (read all of the pages!) for some good tips about managing a difficult debt situation: If you are being threatened by legal action, then remember that under the

1998 Data Protection Act you have the power to take some inexpensive legal action of your own by issuing a letter (called a Subject Access Rights Notice). Use it to get full details of the records held about you, and to establish the precise basis of any claim. Also bear in mind that you may be able to dispute this claim based on such information. Details of how to do this are given at

Finally, try not to let this problem take over your life. You are at the present time in good company. See:

Have you spoken to your local CAB (Citizens Advice Bureau)?

You don't make it clear whether you're defaulting or not, i.e. are you actually paying everything due? And have you defaulted in the past, i.e. what's your credit record like? Also, do you have a mortgage? If so, the cheapest solution is probably to extend it to pay off the other stuff - but you could lose your house if you default on that. Also there are lots of credit cards offering 0% interest for six months or more, but you won't get one if your credit record is shot (and you would need willpower not to run up even more debt). In any case the best thing to do is to make the biggest repayments you possibly can as soon as you can.

All good stuff. Try posting here

- TMF dealing with debt board, as there's a wealth of experience available from other posters.

Best of luck

Daytona