SOA "what was debt for" ?

flip-flop-fly

Is it ok to put

consildation transfer to 0%
day to day, household
longterm debt card not used

most of the cards i have were from moving existing long term debt to a 0% deal, only generally used one or two cards and that was for things like groceries, or house stuff or a game from amazon for kids birthdays that sort of thing.

It just all crept up over the years and i only paid the minimum, when they hiked the intrest rates up recently over some 34% :mad: i really started struggling.:eek::eek:

just not sure what to put on the online form you only have a little space for 5 or 6 words at most.

Thanks

GettingHopeful

Yes, that's fine, you can enter a fuller explanation at the end of the form.The OR and Judge will have heard it all before, and debts just creep up, especially with such a disgraceful 34%. All the best, you'll soon be sortedxxx

flip-flop-fly

Thats great thank you ...

Yes seems every month a letter will pop through with the "under the terms of your agreement we are revising your current intrest rate, and reducing your credit limit oddly to the same amount as i owe!

I am so fed up with of loading debt from one card to another never knowing how i am going to repay, just closing my eyes and worring at night hoping it will go away, which of course it never does.

I am nervous but really glad to be doing something now and hope to never be in such a mess again.. No more credit, overdraft just pay for things with what i have or go without, feel so guilty for being in this mess

GettingHopeful

Yes, just get it all sorted and life will be much smoother and enjoyable with all that off your mind. I think we;ve all been there, using credit card to repay other credit cards. I was expecting horrors, but have recently got the year end discharge with absolutely no problems. It'll be fine xxx