Minimal but ongoing debt

niallbell

I currently owe around £2000 to creditors:

Bank of Scotland Overdraft x 2
Egg Credit Card x 1
O2 Mobile Contract x 1
T Mobile Contract x 1

In addition, I owe around another £1500 to parents.

This has been ongoing for around 3-4 years as I have not faced up to the problem, which I know could be cleared very easily.

I had been paying using a debt company but cancelled the payments as I felt they were charging too much and couldn't provide an up-to-date balance on request.

This was at the start of this year and I have not started repayments to my creditors in about 8 months or so.

I am looking for advice on how to get my debt problem back under control and make an effort to clear this.

Any help will be greatly appreciated.

RAS

Welcome

Your starting point is going to be an SOA http://www.makesenseofcards.com/soacalc.html

Then we can help you more effectively.

Tixy

Hi

As RAS says a statement of affairs will help us to give you advice. If you decide to use a debt company then you can use one of the non-charging organisations rather than a fee charging one - http://forums.moneysavingexpert.com/showthread.html?t=2077631