Re Shopacheck/Provident etc(posted 7048 days ago)Anyone having difficulty paying these companies should get in touch with their local Citizens Advice. Most people who borrow from these companies are poor, on benefits or low incomes. Very commonly people will pay the Provident rather than pay their rent/council tax which are priority debts but feel committed to paying them because they turn up at their door etc etc.
Anyway if you call in (don;t phone) your nearest CAB office they will send holding letters to these creditors and prepare financial statements which will throw up exactly how much you can or cannot pay. If you are on Benefits and do not own your home there is nothing they can do as they simply can;t take what you cant have. Many CAB offices work closely with local Credit Unions and once it is determined how much you have to pay to each creditor the Credit Unions very often have a Budgeting Scheme and this allows you to make one payment to them to cover all your creditors and they pay each creditor on your behalf (this saves you having to send several cheques to each individual creditor. This way you avoid late payments etc. And more importantly all these services are FREE...no need for all these Debt Consolidators who charge a fortune.
It is possible to have a debt free future without it costing the earth.
Good luck
Moira