I need some advise pls

the_boy_3

I have 2 loans which i pay a standing order too on a monthy basis i have written to them to give me busoness loan breaks £287,£140 balance on the loans is 12k

i have 2 credit cards which i have written to them explaining my financial situation that i can only pay 10.00 per month balance outstanding on the card is £16k

Business overdraft-£3500

persnal overdraft-£1500

what is the best way to approach the mortage company and explain my situation in writing etc

my question is what other strategy can one use to get them off my back,i do not want to ruin my credit rating

i want to be debt free pls i need your advise

10past6

I don't understand your post, however

the_boy wrote: »

what is the best way to approach the mortage company and explain my situation in writing etc

Are you having difficulty paying your mortgage?

Tixy

To understand your situation it would help you and us if you could complete a budget / statement of affairs from this link and post here
http://www.makesenseofcards.com/soacalc.html

If you want to reduce payments on debts or make token payment to unsecured creditors they often ask to see a statement of affairs or complete similar info into an income & expenditure form.