Archive for the ‘FAQs’ Category

CAB FAQs – one of several

May 7, 2008

When you are seeking advice and information it is difficult to know where to start and what to take notice of. While the Citizen’s Advice Bureaux (CABs) in person [and you do need to pay a visit] are too overwhelmed to be very helpful, the information collected on this website is quite outstanding as a general outline of the situations you need to understand.

This first url is simply the page on which the links to the actual advices are listed.
[note turn]

The frequently asked questions can look a bit frightening if you think they will all apply to you. I can and hope to show you how to prevent the worst, while turning a grim situation to one that is sustainable.

But let us see if these are your questions:

a. My debts are getting out of control and I can’t possibly pay them all. What can I do?This gives a good brief outline of the options, and you should bear in mind that these are the options, but do not, please do not think that any here is inevitable. We will discuss more of this.

b I have been refused credit to buy a new washing machine. What can I do?This is a good quick discussion of the issue of getting credit, and how not to assume a refusal means you do not have other options. But my task here is not to tell you about getting more into debt, but to ensure any problems you have are put on a very manageable footing.

c. I have a county court judgement against me over an unpaid credit card debt and the card issuer has threatened me with bailiffs. What can I do?Now this looks awful; and it is. But there is no reason for you to reach this stage if you follow the steps I tell you to take. If, for any reason, you do reach the stage of having bailiffs authorised to call and distrain any goods you should ensure that the bailiff himself visits first to discuss with you which things he is entitled to take.

But, for goodness sake, make sure you have followed every possible step before that. In fact there is a strong case, where such action is taken against you, for seeking to have the proceedings turned into bankruptcy proceedings. You are better off dealing wit the official receiver than an unknown quantity of bailiff. There are strict terms and it is not automatically your best option.

d. I am going to live on my own for the first time and am worried about how to manage my budget. What can I do to prevent getting into debt?This is a very sensible set of suggestions for someone living on their own and should be checked out and the links followed for anyone in that position. Do suggest it to anyone who is facing independence for the first time – maybe anyone on their own!

e. I think someone may be using my credit card details without my knowledge. What can I do about it?I do not attempt to cover this myself, but if you have such a problem do read this FAQ and do follow what it says. Now you will have problems and they are probably not of your making – there are many ways your identity may be stolen, and your bank and other details obtained – but it will be difficult and you will have a lot of convincing to do.

f. A bank that I do not normally deal with has contacted me to chase an outstanding debt. I think I may be a victim of identity theft. What should I do?This is very similar to the previous FAQ. Do follow this advice and do it as soon as you realise what has happened.

This will form part part of the page FAQ Citizens’ Advice on this blog and is also in the first book.

Debt Control Man