i need help with my debt

IndigoBlue_2

Have natwest gone through your expenses with you yet?

supersavershal

Angela, It may be a good idea to also keep a spending diary.My SOA said I had about £700 surplus but I didnt have that, when I did a spending diary I was amazed at how much I was squandering on things like newspapers, popping to the local shop, lots of little insignificat things that all really added up.I still keep a spending diary now, its a useful tool.

BAILEYS6904

Seriously Angela, Its not as bad as you think!!!

Once you've been on these forums a while, you'll see SOA's a million times scarier, and they are still tackleable!

With yours, as Intranicity says, if Natwest see money coming in, they'll be more than happy to stave off any action. Provident should be priority I would have thought (without seeing the interest rates its a little more difficult to advise), but they are notorious. If it makes you feel better, after Provi, concentrate on Natwest, if you manage to stick to the budget grocery, you'll have 800 ish to throw at debts, so maybe 100 on BT, 700 on Natwest. Should be able to clear both BT and Natwest on the 4th month, so Debt Free by September ish

JournalGirl

Hi Angela

Can you tell us what the monthly payments are on each of the debts? And how much you are in arrears on any of them?

And tell Natworst that by working with you on this they will get all their debt settled....if they push you into bankruptcy they will not get all you owe them. (They really can be sods...when my friend needed to go on a hardship plan with them, due to going through a divorce and her husband stopping her wages from the family business, they tried refusing to do the plan unless she put her bank loan arrears on her credit card!!!)