I live in Caterham Surrey with my wife and 2 young children. I’m self employed and like many people, credit cards became a part of everyday living. They were instant and convenient!
Unfortunately, the recession started to kick in and work became depleted! One credit card started to fund another in the hope that the work situation would turn around.
With 3 credit cards, a loan and 2 bank accounts I was beginning to drown as I started to pay with Peter to placate Paul and visa versa!
My life was blighted with debt and the worry which began to affect my relationship with my family as it became increasingly difficult to maintain a cheery persona.
The continual harassment by debt collectors compounded the situation and they were relentless! The threats of court action and doorstep visits further added to relationship problems. All was not good!
I was at my wits end with no light at the end of the tunnel. I began to lie and hide letters from debt collectors from my wife to try and ease the tension and I felt there was nowhere to turn.
The solution was easy, with the help from these excellent letters, the continual harassment eroded away. Easy to implement, I just responded to the debt collectors threatening letters with these and soon found that the tables had turned!
I no longer feel intimidated and as things turn around for me I can actually start living my life with verve again!
100% recommended you take this action, what is there to lose?!
R B
Caterham, Surrey
