Help please

EMU1_3

I am a single mum of two children, ex husband getting out of all responsibilities he can.Over last year he has not paid my ailement for me(i am unable to work through long term ill health)which has imacted hard on my finances.I had to use credit cards which I changed on a yearly or longer 0% which was great.However this year had to spend more due to lack of funds and now find I have a poor credit score.I defaulted once on one payement which was the banks fault rang the credit card and they assured me it would not effect credit score.I am wanting to consolidate my debts so I now need a loan or credit card loan so that I can pay it off over a longer period.I need to be able to pay money off the loan as and when I get money in.I have studied all the options need £10,000,would welcome some help with my decision making as I have just confused myself completely and need help ASPA as stress getting to me,Thanks to anyone who could spare the time to give me advice

ILW

Sorry, but if you are not working, how do you plan to make the payments?

sharpy2010

Why does your Ex Husband have to pay you ailment money? Surely that's the job of the Government?

sharpy2010

EMU1 wrote: »

I defaulted once on one payement which was the banks fault

No it wasn't, it was your fault - for not paying.