(UK) My Girlfriend has a £3,000 debt on credit cards, please help!?
815852
Perhaps she should take out a bank loan for £3,000 and repay the card.  The interest on teh loan will be less and she will see the balance go down each month if she just pays as much as she is paying now.  It might be even cheaper if you, if you wanted to, took out the loan
992452
What kind of backward thinking is that? You still need to pay every single penny you owe!!! Unless your creditor takes pity on you and says never mind the debt.\nIt's kinda harsh but almost all of life from birth on is harsh...that's life, as they say!
1043931
Keep paying minimum payments on the CC then use everything else to go toward collections.  \n\nThen the credit card.\n\nYour credit isn't too good now, but this will help it from getting worse.
501085
Find a different credit councelling company, honestly there are TONS of them out there that screw you over. If they can't lower your payments then what's the point in being on a credit councelling program? Try going to www.trinitycredit.org that is where we have our debt management with, they are GREAT people and they have really helped us out of our jam, we had approx. $12,000 in debt, payments were about $400 for three credit cards ($400 a PIECE) they were able to reduce our payments to ONE payment of $300 a month. We've been on the program now for 2 years, and are SO happy we did it! The usual program takes 6 years to pay off, BUT because we were able to get back on our feet again we were able to pay MORE into our debts and get rid of them faster, we should be done with the program by this August. They will also give you ideas and suggestions on how to pay off your debts faster (like are you in the military, did you know you can get your APR on your credit cards reduced because of that?). I hope this helps, believe me I know where you are right now, and there IS a way out. Good Luck!
861218
hello. i work for an iva company. best bet is to contact your iva supervisor and explain the situation. if that doesnt help. contact another iva company to rearrange your iva and propose another solution to your credits.\n\ntry www.debtmatters.co.uk. for personal advise from a 3rd party.\n\nno harm is there? \nif you want further advise let me know. i have knowledge with informal arrangement / bankruptcy and iva's.\n\nhope this helps.
946282
Never, never, never..........loan money.....especially in large amounts ....to anyone not unless you really really know them.   \n\nI would keep on confronting her....or make up some type of repayment plan to where she can pay it all back.   If she can't do that, then have her do some work that you need done (for the next several months) till you feel it's completely paid off.....if she can't do it any other way.   I've learned..........I'm out over 10,000.00 dollars!  and I will never again.....listen to anyone's tale again.  If they need help, .....I will do it my way or no way!
60769
The best way I have found is to reason with the person.  Show them that by not paying their debt it reflects on their character and integrity with you and others.  There is no telling how many people you will tell about this incident.  We as collectors can be worse then a credit reporting agency.  If the person if not a friend then try the courts or reason with phone calls and again tell them how this affects their business, their character and their standing in the community.  don't be afraid to stand up about what is right.
938914
First find out what the interest rate is on the card.  Compare it to what you can get for a bank loan.  You know you can also close the card while you pay it off so you can't make more purchases.  Becareful doing this though becuase it could hurt your credit score.\n\nI would keep the card as I pay it off and not use it.  I would also take the card from her for sure or else you will never pay it.
59808
First, I'd take the girlfriend to small claims court to get her to pay her fair share of the debts. \n\nSecond, find your nearest office of Consumer Credit Counseling Services.  They can help you with a debt management plan, including lowering your interest rates on many types of unsecured debt, such as credit cards.  (They cannot help with automobile leases, or home loans.)  For unsecured debt, they will consolidate it into one monthly payment and you pay them directly.  An advantage of using them is that the creditor calls STOP. \n\nOne word of caution: when you find a credit counselor, find one that is "nonprofit", which is different from "not for profit".  Some places have names that sound like Consumer Credit Counseling Services, but they charge big fees, and sometimes they can get you into more trouble than you're already in because they are NOT legit.  Before you pay anyone anything, check them out with your local BBB first.\n\nBankruptcy will not make everything go away - with the new laws that took effect October 1, 2005, you have a bigger percentage of debts you must pay - plus it stays on your credit for 10 years.  I'd avoid it if at all possible.  Bankruptcy CAN make it harder for you to get jobs, apartments or a home loan.
1052313
Doesn't matter if you don't have an agreement, you are joint and severally liable, now that you have paid all the bills, you can recover a reasonable amount ie, fair proportion from him.\n\nIs your flat mate worth taking action against, if the amount your owed is more than £750 then you can issue a statutory demand.\nThis is most dangerous weapon in law, ie if he doesn't pay he will be bankrupted.\n\nIs there a reason like he can't pay, like he can't afford it, you should try and get the utility company to split the bill, they may not agree but this way the liability is severed. Best course of action is to get him out, inform the landlord, and he may start eviction proceedings or notice to quit.\n\nThe longer way to really sting him, is keep paying the bills, then hit with the statutory demand, that will teach him a lesson he will never forget. He will take action unless is some kind of no hoping tramp loser .
1003753
However, as above this is correct, but paying a creditor as little as £1 shows a willingness to pay and goes in your favour, always try to talk to them, get them to stop interest and work out a repayment plan.
738578
The problem is that this would of been passed through debt collections of the phone company then to the debt recovery agency then to solicitors so this would of been going on for a while. Did you not set up a payment plan with the recovery agency? \nOnce its reached a stage with solicitors im not too sure what happens, i would recommend going to Citizens Advice Bureau there always one locally or go on their website and they can help you. I know in certain instances they can ring the company in question and sort something out for you. Don't leave this issue, face it and you will have control then.. \nHeres the CAB website:\nhttp://www.citizensadvice.org.uk/index.htm
926669
I dont know anything about credit in the UK, but here in the USA there are plenty of scams. \n\nI used a company that worked, this is their site.......... http://www.expert-credit-advice.com/\n\nThey charged me a monthly fee and every month they disputed negative items and hits on my credit using federal law and did a good job.They also cleaned up a lot of id theft and personal info problems I had. \n\nIt took almost 8 months, but the end result was good. \n\n\nI would be very skeptical about anyone that claims they can repair your credit in 6 weeks. 6 months if you have mildly bad credit, a year OR LONGER if you have horrible credit! EVEN THEN THERE IS NO GUARANTEE AS TO WHAT THE CREDIT BUREAUS WILL DO!\n\n\nThere is a new type of so called credit repair where people open a new credit file by using a new fake social or employee id #. \n\nThis is illegal and you should stay away from anyone that says they can do that...  \n\nYou must also understand, (which I was taught), credit repair is not just removing negative info, its about adding positive info, different types of accounts, keeping balances low, using your credit and making payments on time.
79400
Call the credit card company for advice.
660091
Contact the Credit Counselling Service (or something along those lines).  Free charity, great at helping to deal with debt.  As far as I know you can ask but it is unlikely they will reduce the amount - they do however cancel interest!  Good luck.  Also CCJs only last for 7 yrs on your credit rating.
321813
If you are in the UK you can pursue an arrestment on the company ... this is VERY effective.\n\nIf you can prove the debt (without doubt) and the company cannot give a good reason for not paying you can petition the court for a winding up order.\n\nBest bet is hit the Citizens advice bureau (or quick chat with your solicitor if he will do it free!).\n\nGood luck.
695478
Everyone who said "no" is correct! You have seperate files.\n\nBut here's another idea for you:\n\nAdd your mate to one of your perfectly paid credit cards.  They'll get the benefit of your entire positive pay history!