Help appreciated please.

dancingfairy

Firstly I would phone one of your credit card providers and ask if they would consider doing a balance transfer right now and getting one of your payday loans trasnferred to a credit card. CC1 has the lowest balance rate so might be worth targetting - o.k it won't solve your problems overnight as you won't technically be repaying any debt but it will mean paying less in fees and charges and should allow you to then start to make inroads into the debts.
Best of Luck
df

ReformedCharacter

Tixy wrote: »

Are the payday loans or arrangment to pay hose amounts or are they the rollover fees?
Your SoA says you have £296 left, do you?
If so use it this month to clear PDL1, the next month you should have enough to clear PD3, and finally the following month PD2

Obviously you need to keep all other costs to an absolute minimum, hopefully you can cut groceries down fairly easily and quickly to say £150 or so to help a bit.

They are the rollover fees.

I should have that left but I admit that I have frittered a bit. However, I know I can get that much left if I am stern.

Unfortunately the amount is not sufficient to cover this month, and they won't let me make 'partial' payments, they demand I pay the full amount *or* rollover... Which is hard. I guess I should keep that £290ish and hang onto it until next month and then pay the first one off and work from there.

I have to say it's really hard though. Think that's about right?

Tixy

It is hard - but as soon as you can manage to get one paid off it should start to get easier. If you are really tight for a couple of months with everything you should be able to pull out of this.

Good luck