Our guest tonight was Elizabeth Crampton from the Citizens Advice Bureau, the following topics were covered.
To deal with a debt problem, you will need to:
sort out how much money you owe
work out which are the most urgent debts for you to pay off
work out if you've got any money to pay your debts off and, if so, how much
deal with the most urgent debts as a matter of priority
look at your options for dealing with the less urgent debts and work out how to pay them off
contact your creditors and make arrangements to pay back what you owe
work out your options if you don't have enough money to pay off all your debts.
The people you owe money to are called creditors. If one of your creditors takes you to court, it's really important not to ignore the situation and to know what action you can take in response.
If you take action quickly, you can avoid the situation getting worse. If you don't take action, you could end up with a bigger debt, or even losing your home or your possessions. You could end up having to pay back money which you don't really have to.
On Line Shopping
When you bought the goods or services you may have been given a contract or terms and conditions. These should contain information about your rights, such as cancellation or delivery rights. They may also tell you what to do if you have a complaint.
If you bought services, the EC Services Directive says you should receive certain information about who you bought from and the terms and conditions of the service.
If you bought by internet, TV, phone or mail order, you should have received certain written information about your rights.
more details on all these items and much more can be found at the web site http://www.castad.org.uk/