I posted a few weeks ago about my ex lass having money problems

and her using a Debt Company that took 3 months of money up front before they started helping .

Well she has now dumped that company ( but they keep ringing her up , anyway ) as she has now taken control of all her debts by ringing each creditor and coming to a lower arrangement . Pat on her back .

Unfortunately , she has probably lost the first months £ 350 that the company suggested they would use to pay the first months debts , before she discovered that they keep 3 months cash up front as a start up fee .

Luckily , she found out on month 1 , rather than month 3 .

She could have lost £ 1,050 and that's before , they start getting her debts down .
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Any way as the above title says .... Ironic .

Bearing in mind , someone gets debt help because funds are low .

My ex phoned up Barclays and asked if they could reduce her Barclay's Loan .

It is done by way of extending the loan by a year , so the monthly payments come down ,

But to extend , she has to open up a new loan and shut down the old one .

All is fine .

Then she goes on line and finds that Barclays have credited her with ...

£ 1,150 . .

Aparently the old loan had front loaded costs which she had paid already until about 2014 and they refunded them due to the new loan .

So she has gone from owing a few quid to now owning a few quid .

It has certainly picked her up a bit from the debt doldrums .