THINKING OF SWITCHING DEBT HELP SERVICE
PERSONAL DEBT HELPLINE
My current debt help service is PDHL/Personal Debt Help Line.
What these debt help service people do is they arrange with your creditors affordable repayments; and, also, get the creditors to freeze piling on huge amounts of interest for each and every single month.
I currently owe around 8+ grand in debt to various credit card companies/bank loans/-etc.
You arrange a regular monthly payment to help cover both their own administration costs/as well as, to cover paying off the people who you owe. For example, when I pay PDHL £80.00 monthly; around half of that payment is taken as being their admin costs. This makes the debt really slow to pay off, indeed.
NOTE: Currently, PDHL has cut down the £80.00 I normally used to pay to become £20.00 monthly, instead; due to my JSA/Job Seekers Allowance money having been sanctioned. Meaning, I won't be able to get any more benefit money not until Oct 9th 2015. In the mean time, I have no other choice except to see work in order to pay the bills.
CHRISTIANS AGAINST POVERTY
The debt help service who I've been in contact with, right now, is called: CAP/Christians Against Poverty. The main advantage of their service is they don't take any charges at all for themselves; instead, their admin is done totally for free; and, so, all the rest of your money can go towards meeting the debts you owe.
The only problem is, they want me to close down my current bank a/c.; as I owe them for an overdraft loan; and, go open a different bank current a/c. instead with another bank. So, in this way, CAP can deal with paying off the debt; without me running up any further charges. Today, I made an appointment with Barclays bank to see if they would let me open a current a/c. They told me to come back there on Aug 13 10:00 AM.
My CAP support worker is called: Vanessa Reuters. I had a talk with her today at the church in Tulse Hill, Trinity Rise. She mentioned...
-I should contact my GP to get a referral to Brixton Mosaic -(mental health)- services for Aspergers Syndrome; and, then, maybe, they could help me to find a job; also, offer other support services, possibly; such as a support worker.
-I should contact my local Center 70/or, CAB/Citizen's Advice Beaureau in regards to which benefit would be most suitable to apply for if you have Aspergers Syndrome.
-I should make sure to apply for Council Tax help as soon as possible.
In addition to which she gave me some forms to go and fill in/prepaid postal envelopes to send...if I wished to apply to CAP on my own.
BIRTH CERTIFICATE APPLICATION
Unfortunately, I went and lost my 'original' birth certificate. Therefore, I had to get in contact with Brixton Town Hall Births & Deaths Registry office to apply for another one. The young lady who works there said I should fill in a form; and, also, pay £10.00. Then, she gave me a ticket...to come back and collect the certificate at anytime between: 12:00 to 4PM on Aug 12 2015.
Personally, I was really surprised that this task was so easy to do. Because last time I tried doing it online; I found I could not; as the form was asking me for all sorts of details that I don't have such as fathers name/-etc.
Anyway, I still haven't gone and picked up the Birth Certificate, yet; so, I really don't know exactly how much help it will be to me, in future. Will I be able to use it to apply for a passport/or, driving licence/-etc.; I will just have to wait and see...?
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