- Sun Oct 09, 2005 11:23 am
I would ask CCCS why they have not suggested DAS to you....
Obvioulsy I dont know all your circumstances and can only go by what you have posted here but if you can pay all your debts in a reasonable period, then it may be worthwhile option for you.Have a look at my post on DAS which will lead you to a DAS accredited free Money Advisor in your area.DAS does not freeze interest-although the Scottish Executive is looking about bringing this in legally so that interst is frozen.There are no CCCS accredited money advisors. I would continue paying your debts through them just now while you explore the DAS option however.
I do think CCCS are a worthwhile orgainisation but most of their clients are South of the Border and I sometimes dont feel that they really know what is happening in Money Advice North of the Border.They dont come to the Money Advice meetings so dont get a picture of what is "happening on the street" to be honest.I am a bit peed of with them that they havent even mentioned it and think I will get onto Money Advice Scotland about this................
Yes-an inhibition order is a possibility-BUT it is more likely up here that creditors will force bankruptcy if you have equity in your house than go for a costly Inhibition Order.
If you want to Pm me your Council Area-I can give you details of a DAS accredited Money Advisor in your area, who have been trained by Money Advice Scotland and have to work to very strict standards.
There are a few in Central Scotland-although there are still a few Money Advisors still going through the accreditation process, so if there isnt one covering your area there may be one soon.
They all work for local Councils and CAB.