Where can I get debt advice?

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Anonymous #1
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I have 15 defaults and 1 CCJ - I am paying these all off and my goal is to pay them off by the end of this year. The debts amount to £11,000 and I landed in this position due to car finance issues (Gearbox failure so gave the car back but still have to pay it off) + helping family members.

My boyfriend and I are aiming to buy our first home in three years when I graduate. We would have a 60,000 deposit, however, I'm worried that my past debts will affect my application even though I would've paid them off by then.

I wanted to know where I can get professional 1 to 1 advice for my debts and how I can increase my likelihood of getting a mortgage in three years time.
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JaseyB
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Martin lewis, bank manager/advisers, citizens advice burea
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Joleee
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https://www.stepchange.org/how-we-help.aspx
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Anonymous #1
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(Original post by JaseyB)
Martin lewis, bank manager/advisers, citizens advice burea
Thank you! How can I get a bank adviser?
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Surnia
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(Original post by Anonymous)
Thank you! How can I get a bank adviser?
You contact your bank, but you will need to explain briefly what you need help with, so they can direct you to the right person. 'Advisors' is a term used for people who manage accounts day-to-day and discuss the financial products on offer; there's no particular qualifications needed. Then there's financial advisors, who provide more specialised information and will stay in touch in a one-to-one basis to help manage your money.
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hotpud
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(Original post by Anonymous)
I have 15 defaults and 1 CCJ - I am paying these all off and my goal is to pay them off by the end of this year. The debts amount to £11,000 and I landed in this position due to car finance issues (Gearbox failure so gave the car back but still have to pay it off) + helping family members.

My boyfriend and I are aiming to buy our first home in three years when I graduate. We would have a 60,000 deposit, however, I'm worried that my past debts will affect my application even though I would've paid them off by then.

I wanted to know where I can get professional 1 to 1 advice for my debts and how I can increase my likelihood of getting a mortgage in three years time.
Its worth pointing out that there are many places that offer debt advice for free. You should never pay for debt advice.

Avoid banks because they just want to sell you products. Think Citizens Advice or debt charities.

If you have £60k in the bank, why don't you pay off ypur debts now? You are paying more in debt interest than you are making on 60k savings. Don't CCJs hang aroung for 5 years?
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tinygirl96
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Martin Lewis
Citizen Advice
Facebook
Independent financial advisors
Finance articles etc
Charities
Finance websites
Yahoo Finance
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IWMTom
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(Original post by Anonymous)
I have 15 defaults and 1 CCJ - I am paying these all off and my goal is to pay them off by the end of this year. The debts amount to £11,000 and I landed in this position due to car finance issues (Gearbox failure so gave the car back but still have to pay it off) + helping family members.

My boyfriend and I are aiming to buy our first home in three years when I graduate. We would have a 60,000 deposit, however, I'm worried that my past debts will affect my application even though I would've paid them off by then.

I wanted to know where I can get professional 1 to 1 advice for my debts and how I can increase my likelihood of getting a mortgage in three years time.
Why did you have to give the car back?
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