For the first time in my life my accounts went into arrears because of unexpected hospital bills. Before I knew I was borrowing again and again, until I got trapped in the debt cycle. I saw an advert on Facebook from Debt-Savvy, so I contacted them and someone phoned me immediately to explain the law to me. I realised that I could renegotiate with my lenders and I have legal rights!
As a government employee the banks are always willing to lend to us. They lent me so much that I could not afford to pay it back and also provide food and school fees for my children. I contacted Debt-Savvy, and Sharleen explained to me that banks are not allowed to do "reckless lending". She explained that the lenders took advantage of me and that I can use debt review as a solution.
When I realised that I could never afford to keep up with my payments I became depressed about my debt. I was so embarrased and I thought it was my fault. I was too afraid to ask my work, family or friends for help. That's when I saw an advert for Debt-Savvy. They spoke to my lenders for me and were able to negotiate an instalment I could afford. I wish I had acted sooner.