Help Needed!!

liver09

Hi I know this may seem a generic mail but does feel like i need help in moving forward with debt and my situation seems to be getting worse.
I owe 11k in Credit card and loans and after losing my job for some time fell behind with payments. I also had an extremley high fixed Mortgage that I could barley afford to pay with all other living costs.(Cant sell propetry as in negatie equity by 20k. I have got a debt management company that I am paying £25 a month to sort things and they have agreed to minimul payments but I still keep getting letters saying that I have missed those agreed payments which the debt company say is not the case. I have paid off £1500 approx of this debt so far but have had to sell my car move in with my parents and rent out my place which still doesnt cover mortgage and I have a feeling that redundancies are on the cards! I just need advice clear and unbiased is bankrupcy a real option or if not what is the best way to pay debt off or sort mortgage!! its all so confusing and feel im slipping lower each month.

Any advice welcome - Thanks

shaven-monkey

Sticky: Help for First Time Posters & SOA Calculator
Fill out an SOA and people will be happy to advise.

yorkshire-lad

Are you paying a fee for your dmp?
If you are,you should get on the phone to CCCS,they do not charge and all the money you pay will go to your creditors.

As above,people need to know more in order to help.
Your debt amount,apr's etc.

liver09

Yes I pay 25 a month the dmp company. I have rung the CCCS and they said they couldnt help me as I had no money left over each month.
I earn £1100 a month at the moment.

In £1100
Mortgage £690
Train To Work £160 month
Building Ins £25
Mobile £50-60 with Insurance
Council Tax £80
Car Ins £45
Petrol £40
DMP £130 pm
Food £ 60-80 pm
GAS £30
Electric £30
Other bits are minimal
I have 5 main creditors - I am worried that I will lose job in next few weeks and then I will be reallt in trouble as Im down to £900 of savings and then that is all the money I have.

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Halifax 4482.00 owed [/FONT][/FONT]37.44 amonth
[FONT=Arial,Bold][FONT=Arial,Bold]Northern Rock 3644.72 [/FONT][/FONT]30.44

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Nationwide [/FONT][/FONT][FONT=Arial,Bold][FONT=Arial,Bold] 1732.34 [/FONT][/FONT]14.47 - they have addded £600 to my account and no one knows why?

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M & S Money 1266.11 [/FONT][/FONT]10.57
[FONT=Arial,Bold][FONT=Arial,Bold]Barclaycard 412.19 6.44[/FONT][/FONT]
[FONT=Arial,Bold][FONT=Arial,Bold]MRA solutions [/FONT][/FONT]25.00

[FONT=Arial,Bold][FONT=Arial,Bold]TOTALS 11,537.36
I cany get a mortgage holiday and I not too sure where to turn. I want to claim for all the charges i have incurred some £400 over time and how to pay less or get them off my back.
Any help or advice thankfully recieved!!

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