I am in big trouble My first post here i really need help

I_have_finance_problems

Right i have big problems now i am 23 years old and between the ages of 18-22 i have made massive debts below is debts and income what do i do

Income:

Benefits: £120 per fortnight (£240 per month)

Debts:

Perfect Payday Loans: £200
Uncle Buck: £280
Pounds till Payday: £200
Toothfairy Finance: £300
Mini Credit: £290
Wonga.com: £200
Same Day Cash: £200
Handy Cash: £250
Debit Card Loans: £200
Payday Mania: £180

Royal Bank of Scotland: £150
Natwest: £200
Nationwide: £500

Kays, Freemans, Premier Man, Jacamo, Great Univeral, Marshall Ward and additions Catalogues: £1000

Orange Mobile: £800
Tmobile: £550
Vodafone: £800
BT phone and internet: £1000
Ebay: £50
Paypal: £100

Burlesque_Babe

best thing to do is post a statement of affairs but I've just seen your other thread and your idea to get another loan isn't the answer - as you've already seen.

Why are you on benefits? Any job will pay more than you are getting. I feel it's time to start realising you are in a real mess and think long and hard about how you are going to get out of it. Your other thread said you just thought they'd let you off the money.....

sorry this sounds harsh but I think sometimes a real wake up call is needed. You are not far from bankruptcy the way you are going and this will mess up your financial life for many years to come.

Is the catalogue list a total owed? Or £1000 each?

3Dogs

You need to get in touch with one of the charity debt management companies as soon as possible

Ring CCCS on 0800 138 1111 or www.cccs.co.uk

National Debtline on 0808 808 4000 or www.nationaldebtline.co.uk - you can click on 'Debt Remedy' on this site and enter al your details for suggested solutions without speaking to anyone

or contact your local Citizen Advice Bureau

Do not use a fee=based debt advice company

Good luck

3Dogs

SOA (Statement of Affairs) will help you and then others will be able to advise better

http://www.makesenseofcards.com/soacalc.html