first steps needed

RichardPi

I'm looking for help with a debt problem that began several years ago. I've had a long-running anxiety/depression disorder which led to difficulties getting work. I could no longer pay instalments on an HSBC graduate loan, so my current account was cancelled, and I began receiving bailiff letters. I spoke with the creditors on the phone to say that I was currently on benefits and could only offer token payments on the debt. I also spoke to the CCCS and National Debtline. But by this time, the letters had been arriving from several companies and I didn't know who to contact first and how. They gave me various options including a debt relief order.
The amount is about 3000 from the current account, and 3500 from Mastercard.

In addition, I have unpaid rent - I had applied for LHA when I moved into private rented accomodation with my partner, but HSBC then closed my account. By the time I was able to open a basic account with another bank, I had missed out on over two months of LHA payments. I then missed the period set for an appeal (my GP was willing to provide medical support for an appeal during that period).

I have caught myself up in a cycle of procrastination over this and would be very grateful for any advice.

Hovel_lady

Hello and welcome to the forum

Firstly, have you seen/read the "Mental Health and Debt" guide on here?
Link here if not...
http://www.moneysavingexpert.com/cards/mental-health-guide

Sounds like you really need to contact the CCCS or National Debtline again and see what they advise.

If you post a SOA (statement of affairs) people will be able to offer advice.
The link is below. You can format it for MSE and then copy and paste it onto here.

http://makesenseofcards.com/soacalc.html

I'm sure someone else will be along soon with more help.