newbie on the edge

mattp_3

If anyone else needs help, these are the only three companies worth contacting for free, confidential debt advice:

Payplan - https://www.payplan.com (0800 716 239) – (not sure why Martin hasn't linked to them at the top of the forum yet as they now have “Online Payment Tracking” for debt management plan’s, which is an ace idea and still free!)
National Debt Line - https://www.nationaldebtline.co.uk (0808 808 4000)
CCCS - https://www.cccs.co.uk (0800 138 1111)

System

Hi Klare

Sorry to hear how things are at the moment. But you've taken very positive steps to sort the problem out, and I for one can vouch for how great the CCCS are. Think of them as your new best friend!

You say your No 1 fear is losing the house. Don't think that's likely if the debt is all unsecured, can someone give a definate answer? The CCCS will certainly put you straight on that question.

It will help if you list your income as well as your debts and expenditure, so that people can hopefully help you cut back.

Hope you feel better for starting to turn things around. You can't do a single thing to change the past, but you can apply all your efforts to improving the future. You'll probably have really miserable days whilst you're doing this, but you WILL get thru it.

Best wishes
Dave