Please help i feel like im going down the debt road....... :(

abbie1988

FREEZ wrote: »

It's highly unlikey that Natwest will extend your loan. You need to stop spending immediately and cancel the goods you've ordered today from Empire now!!
You should have over £500 left per month after the expenses you've listed above; so you should be able to clear these debts fairly quickly if you set yourself a budget. You need to close these catalogue accounts immediately you've paid the balances; ring them and ask them if they can freeze the accounts so you can't buy anything else from them.
You really need to sit down and look at what you've been doing and realise that you can't trust yourself to have catalogues or any other credit; this is a massive amount of debt to run up in only 3 months!!

i have put in for empiure to collect the goods so thats sorted, i know its a massive debt to run up in 3 months hense why im trying to sort it out, just dont really have the best plan of action.

frasersmum123

abbie1988 wrote: »

i have put in for empiure to collect the goods so thats sorted, i know its a massive debt to run up in 3 months hense why im trying to sort it out, just dont really have the best plan of action.

Well done for arranging to return them.

nick-mob

You're in a far better situation than most, you've realised at an early stage that you need to stop this before it gets out of hand. You don't seem to be in any major difficulty yet, but you will be unless you get a grip on your spending.

Just literally stop spending, and pay it off as fast as you can, and put it down to a lesson learned. Then save for things you want instead, that way round its often half price in comparison to credit!

ebayqueen_2

Hi there

You sound very desperate. First of all forgive yourself. You have made some very impulsive decisions without thinking them through. We all have on this site or it wouldn't exist would it?:)

You are young and you will get out of this quicker than you think.
First sell your phones as suggested with the next day delivery option. This costs more but it certainly protects you.

Who are your contracts with. Just keep paying the bills and use only one number...there are lots of good bargains on ebay for mobiles..if it means buying something very basic do it!!!!!!!!!!!!!!!!

Sort everything out that you do not need...and I mean NEED!!!!
Ebay the rest ... this is the best few weeks you could get for prices. Everyone is out looking for bargains for Christmas.

Do you own any jewellery....go to a number of jewellers in your nearest big town and get prices from each .. compare and sell what you do not NEED. Dont sell your items to online tv advertised companies:mad: rip off merchants.

What type of car do you have...could you downgrade. Buy a smaller cheaper more economical one.

You need to talk to someone. Why dont you make an appointment at Citizens advice to have a chat with someone.

Is there one friend or colleague that you could tell all to and ask for their help to keep you on track.

You are not alone...so that should make you feel a bit better:)

Catalogues are a curse!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

Keep going and let us know what you are going to do first. You will get lots of support and advice here.
God bless