please be kind

trace1908

hi not sure what to do about my debts at the mo we have letters coming in every day saying we owe this or that and i know we do but we cant afford to pay them. Most worringly we counldnt pay the mortgague last month do i sit down and write to everyone explaining the situation do i speak to someone like payplan how does this affect the mort if it does once we get rid of the arrears on everything then we do have the money but at the mo im paying what i can when i can please help i cant go on like this

gallygirl

Hi Trace, and welcome. :hello: Please don't despair.

http://www.cccs.co.uk/

Here is a link to a debt counselling service - am not sure at what stage you can phone them but if you are missing payments and getting defaults it sounds like this is the time.

If you post your SOA (statement of affairs) on here we can give you some advice on where you can make some savings and how you should prioritise your debts etc. Here is another link that tells you what to include:

http://forums.moneysavingexpert.com/showthread.html?t=107280

Again, please don't despair. You've come to the right place for help, things will soon look a bit brighter - you're taking control of the situation.

trace1908

thank you if i go to cccs or payplan what happens about the mort

lynzpower

hello darling

You sould really upset, so I want to give you a big hug. :grouphug:

Well done for finding us & posting. This is when things start to get better

OK, deeeep breath. Have you done an SOA. http://forums.moneysavingexpert.com/showthread.html?t=107280 heres all the info you need.

I have bounced mortgage payment before. Hopefully if we have a look at the SOA we can see ways to save money for you, and clear the arrears off.

Get yurself a nice :coffee: and wade through your papers, and pop up an SOA. ONce youve done this, we can give better & more advice

Hugs again
lynz

Murtle

Bigs hugs for you at the moment, it's daunting to begin with but persevere it does get better and easier. The journey is never lonely either!!

Look forward to seeing the SOA

x x

piratess

Hi Trace .... I just wanted to add my hello's and to say that youve made the first move by posting here, there are some great people around who im sure are more than happy to help, we are all in the same boat and dont judge, like everyone else has said post up your SOA and maybe there can be some savings to be made ..... ~Hugs~ xx

tryhard_2

hello trace1908; one thing i can say is that you are amidst a very supportive community. you'll get very good advice here. good luck

Annie_Fanny

Murtle wrote:

The journey is never lonely either!!

Not with us lot around! lol!

Welcome Trace1908 :hello:

The advice you have been given so far by ali007 and lynzpower et al is excellent. Take a great big deep breath - you can get this situation sorted.

Am looking out for your SOA!

Hugs

Annie
Xx

kathfisch

Hiya and well done for posting! :hello:

About the mortgage being affected, cccs and payplan are free advice charities and contacting them just for some advice is free and won't affect anything! Depending on the situation, they might suggest something like a debt management plan and they can tell you how that will or will not affect your mortgage.

Have a go at that SOA when you get a chance and we'll have a look

dancingfairy

Just wanted to say hello and welcome as well :hello:. You're in the right place - at least you know there is a problem and want to sort it out and that's the first step. Pop back later on and we'll help you out as much as we can. x