Help, so so low

McKneff

anniehanlon wrote: »

people keep suggesting posting a SOA, the OP is ignoring the requests,
OP either post your SOA or explain to the posters who are trying to help why you ask for advice and then igore it.

sorry, 1 step, reading it back again i didnt realise at the time it sounded
harsh, no offence was intended and i really do wish you well in your endeavours.

1_step_closer

Hi!

Back again. \thank you all so much for posting i will read everything and make good notes of your suggestions.

Those debts are mine not hubbys - but before you all unite and say "he should pay etc etc" he has approx the same amount of debt himself. We are in the unfortunate position of him being self employed and as it is a relatively new venture things are tigher than normal. He also buried his head in the sand I will be honest but has had his lightbulb momet. I now controll all teh spending. However, his business will take off really well within the next 4 months and he is going to contact payplan as they may be able to help. CCCS couldnt because of the self employed part.

I feel as though I have ridden a rollercoaster of emotion and my spelling is usually much better than this!!!

shall I keep you informed?
thanks again

frugallass

1_step_closer wrote: »

shall I keep you informed?

of course

please have a think about posting your joint income and outgoings, that way we (and you) can get a better and clearer picture on how to deal with this......nobody is going to judge you

Numpty_Monkey

1_step_closer wrote: »

shall I keep you informed?
thanks again

you blooming better do:eek::rotfl:

1_step_closer

LOL! I think that is the first time i laughed for a while!

Thank you XXXXXXXXXXXXXXX

Numpty_Monkey

laugh all you can hun

it ain't taxed yet

neverdespairgirl

1_step_closer wrote: »

Interest rates on loans etc:

Plat 26% bal 2500
egg cc 19.9% bal 1775.33
barclycard 27.9 bal 900
mint cc 17.9 bal 5646

Those 4 are the high interest ones - the amount you are paying per year to borrow is high, and if you can do just a bit of overtime in your 2nd job, even £10 a week would really help get the amount down on the highest-interest debts.

Do you have stuff you could put on ebay / amazon to knock a few lumps off?

ltm07

Just like to say stick with it 1 step, as others have said, you are doing really well! All the best!

GeorgeUK

Hi 1step

You say you are meeting the minimum each month - have you checked your credit file to see if there is anything on there that may stop you getting credit? (late payments, defaults, CCJ's) You can check your credit file free at experian (if you cancel within 30 days) - Make sure the address is correct and that you are listed on the electoral roll. You can have about 3 credit checks in a 6 month period before your credit score is affected.

Could it be possible for you to get a 0% Virgin Money credit card?
This card will not only allow you to reduce the interest to 0% for 15 months but fromm the 2nd-15th month, the minimum payment will be £25 so you can put more money towards the other debts. You may even be able to clear one of your existing cards and be offerred an incentive to keep it open.

Just make sure that any payments to 0% cards are on time or you could lose the promotional rate and don't spend on the card.

1_step_closer

Hi!

and what a crazy Monday it was too.

Thank you for your suggestions I will look into the ebaying and after a very long talk with hubby he is going through Pay plan dmp but we will do it together. so lots of calculations and stuff to do later.

His credit rating is rubbish which is probably why mins is too hence the refusal of 0% etc.

A huge weight has been lifted and once his business takes off properly we should be able to overpay on the DMP when it is set up.

Further news - I am doing some washing and ironing for a family member who will pay me so that means more money each week - no more toast lol!

I actually sang along to the radio yesterday whilst ironing, first time in months! still as bad as ever but happier!

take care

1 step