- Tue Nov 13, 2012 1:31 pm
Hi Portia (again
Being in debt is frigtening for many many people, and that is what creditors/DCAs/Landlords rely on to get you to pay.
Many people on this forum have gone bankrupt, and that includes some of the Admin Staff, so we damn well know it is not as scary as it seems, others have gone through DMPs (such as chandjay - read his post if you want to see how to stay in control, and need a good laugh at times).
I do think you are doing right in seeking advice over the rent increase, as far as I am concerned unless it is written specifically into the lease that an increase can be applied retrospectively, then the Landlord cant do this. His fault he failed to carry out the review, not yours, so his loss. I suspect CAB will confirm this, BUT it will depend on the wording of the lease.
With regards the other debts, there are solutions, some may work for you other may not, some solutions are very fast (bankruptcy) some take time and perseverance (DMPs) and there is a range in between. As a rule their is a solution to your current circumstances, and as they change your solution can change.
So please fell free to ask away until you feel more confident to talk to either PayPlan or StepChange.