Help :(

mrsvoisey

Hey guys, I'll try not to ramble! Basically I have now admitted to myself I need to take serious action before something bad happens! I'll try and include as much info as possible! A year ago I took a car out on finance with blackhorse finance! I put down £500 deposit and bought the car for £5000 at the time this was comfortably affordable on my income! Then it come to the renewal of my insurance for the car. I went with a new provider having to pay a deposit of £200 (using a capital one credit card) and now paying £200 a month due to having no noclaims bonus and having someone claim against me for a crash with my previous insurance company! I then splurged on my capital one cc buying nice things paying for everyday living petrol fags etcetc.. Then I phoned my bank for a balance and they offered me a credit card! At the time I thought brill low at low interest I could pay my capital one cc off and only have a cc with Lloyds intending on paying it off monthly. I did pay capital one off and cancelled my account! And as stupid as it sounds rang the bank for a balance again a few weeks later and got offered a bank loan! I stupidly accepted and took out a loan for £3500 it was for no purpose just because it was offered to me on a plate! I now have no idea what I spent all that money on! And even though I am
Now affording the monthly repayment s may I add that it's not comfortably ! I'm now at the end of My tether and unsure what to do next my Monthly income only just covers my rent and all my DD's and I am finding myself falling behind with payments ( only once or twice).

I'm 20 years old and was never bought up to be greedy and to only pay for things with money that's your own! I'm now paying for it I suppose and just wondered if anyone had any tips or advice on what to do next? Iv listed all my debts below

Capital one: £200
Very: £350
Lloyds Cc: £1000
Lloyds loan: £3500
Blackhorse finance: £3500
Thanks for reading

mrsvoisey

Forgot to mention I then applied for a capital one cc again! Desperate for money

CH27

Hi

Can you post a SOA(statement of affairs) which details interest charged etc please?
There is a link towards the top of the debtfree page.