Need Your Help I'm In Debt And Can't See What To Do?

BUSYBEE_3

Hi, I've got three credit cards virgin,capitalone and Halifax and also a loan which total comes to twenty grand debt and my credit rating seems to be low as i have tried to get another loan to pay all this off and just have the one single payment going out each month - no interest etc - but no such like ! I live in a private rented house with my partner all we seem to be doing is watching our pennies the moment we get paid +

Can anyone give me suggestionsn on how to get myself out of this hell hole i find myself??????????????? please please

lynzpower

hiya busy bee you are in the right place so big welcome :hello:

I would say the first thing to do is to write up your SOA. read southern scousers "sticky" first time posters.

thats all your
INCOME
then all of your OUTGOING include everything
then
DEBTS with APRs inculde all, including money you owe to freinds/ family/ papershop etc.

then we can take it from there

dont panic, take your time, have a nice :coffee: there will always be someone here to help

hang in there
Lynz
xx

halloweenqueen_2

Instead of a loan what about the life of balance card, I think M&S do one and the interest is something like 3.9%?

Little_Miss_Winner

Hiya,

How much is outstanding on all 3 c/cards? And what are the aprs?

Also how long is left on the loan, and what is the apr?

Hang on in there, we will work through this!