dont know what to do

broxiebear1

fiveyearplan wrote: »

You need to round all figures to nearest £.

internet and sky is all i have to look forward to after working all week

philnicandamy

broxiebear1 wrote: »

internet and sky is all i have to look forward to after working all week

sadly though your not allowed either...(unless as FYP said internet is for work/study?) you would have to pay for both otherwise out of any surplus you had....

the OR's class it as a "luxury" item...

broxiebear1

So_Sad_Angel wrote: »

Hi BB1

Welcome & as Tiger says get talking to the debt charities....remember please don`t pay for impartial advice.

http://www.adviceguide.org.uk/scotland.htm?region=scotland.htm

As you are in Scotland this link may give you some specific info online.

Angiexx

edit...ooops realise this is same as TF posted just Scottish link.

hi angie tried to phone national debtline tonight but busy ive updated soa and stands at£18,396.27 i owe with a shortfall of -£277.60 a month to pay debts aand thats me at bare bones ok i could take min sky contract and do away with £15 a month mobile but thats it .as i said i dont know what to do hope tide will turn doubt it

So_Sad_Angel

Hi

Keep trying the numbers...sadly they are very busy & Monday is even busier.. try the CAB but remember you will have to ask for a debt advisor. Looking at the SOA I cannot say what is the recommended route...thats for the charities to advise on.

If your figures allow there may be potential for a debt management plan where all your creditors take a lower monthly payment that is pro-rated depending on any surplus that you have left. Obviously with less pension that will make it very tight but worth investigating I think.

Its tough & can be very frustrating but you have started to look at solutions & thats the first rung on the ladder of working out what your next step is.

Good luck,

Angiexx

broxiebear1

ty angie went to cccs site done online soa with them will try to contact someone online tom night ,thats whats putting me off doing anything about debt just now waiting to see what happens to pension .then things will be really tight

So_Sad_Angel

Remember BR is a big decision....not something to rush into. Get the advice first...do as much research as you can. Knowledge is power as we all know.

There is so much to learn on this board....I know you are Scotland & there are a few people who know their stuff on the subject too.

It is good to maybe add Scotland into any thread titles as that often helps with replies.