Oh dear, im another debt casualty!

Mark_Ice

At the minute I'm in around 12k of debt. I have always been good at paying my creditors until now, I'm always over drawn Nationwide have *reduced* my £750 overdraft limit to £600 and Ive missed a few payments to various creditors. I'm now ready to hold my hand up and shout "HELP"

I'm thinking of contacting those concerned and asking them nicely if I can pay a reduced payment/interest for a maximum of 12 months to help me get back on my feet at which time I'm sure I could manage the normal payments.

What do you people think......?

lynzpower

:hello: mark Ice!

Firstly, deep breath.

Secondly, once youve composed yourself, go back to the forum and see "first time posters" by Southern Scouser. Have a read through that, pop up an SOa, and we'll see what we can do to keep the wolves from the door!

All the best
Lynz
x

Mark_Ice

lynzpower wrote:

:hello: mark Ice!

Firstly, deep breath.

Secondly, once youve composed yourself, go back to the forum and see "first time posters" by Southern Scouser. Have a read through that, pop up an SOa, and we'll see what we can do to keep the wolves from the door!

All the best
Lynz
x

Oops, will do Lynz..... Ill be back

In_Search_Of_Me

Hang in there & like Lynz said take a deep breath & do you statement of affairs & it will become much clearer...I also have found that writing down every penny that I spends helps...makes less likely to spend & I can see clearly where money is going & therefore where it needs to be cut. Hope that helps? Well done for taking the first step though, usually one of the hardest things to do! Hugs!