Three credit cards I cant pay off and I cant get a loan to pay them off either!

poorandindenial

SOA is a 'statement of affairs' basically a list of your income and expenditure (there is a calculator at www.makesenseofcards.com)

CAB (Citizen's Advice Bureau) and CCCS (Consumer Credit Counselling Service) are both organisations that can help you work out what your next move whould be.

If you post your SOA up on here once you have done it (using the calculator makes it easier for you and us as it means you don't miss bits and we are used to the format) then we can help you find ways to make things a bit more affordable.

It all feels crud at the moment but there will be a way for you to deal with this. Well done for posting.

saver03

Didn't want to read and run so though I would say, "Hello and good luck."

I agree with what the others have said and think your 1st step should be to post your SOA http://www.makesenseofcards.com/soacalc.html and all the lovely people on here will be able to help you make cut backs

Shell_S

Thanks guys!

Ive done the SOA and saved it.

Whats the next step?

Merlinexcalibur

Well, erm, the idea is to post it up on this thread for everyone to view?

Tixy

On the SOA there should be a format for MSE forum option at the bottom. Click that and post it on to here.
When putting it into your post on here you may need to delete the blurb at the bottom that says something like 'created using makesenseofcards.com' as you won't be able to post links yet.