Help needed! x

stablegirl

I am new to this forum and trying to find my way around so please be patient!!!

I really need some advice! Our credit card has spiralled out of control and in 2 weeks the interest charged is shooting up, I have sent an application for the barclaycard cc but not heard back as of yet. We have a Tesco loan and wanted to amalgamate the credit card on to that and also I have a very very large vets bill, (my horse had a massive op but unfortunately we have lost her and the bills are ridiculous) and wanted to add that on to the loan too but unfortunately Tesco have refused which we were very shocked about. I am waiting for the bank to call us back to see if they can help us at all as with the loan and credit card we are starting to struggle and are now way into our overdraft and before payday we are often now over it, incurring more charges which is then making things get worse each month. I really do need to sort this as things are getting out of control. If we could amalgamate the 2 debts and borrow a little more it would really help us and we would only have one payment going out each month but need the payment to be less than what we are paying now for loan and cc or I can see things just getting worse. I feel physically sick right now. If anyone has any ideas that could help us we could really use it right now. Thanks xx

elantan

whilst this board may help can i suggest you also post this on the debt free wannabe board ... you will be asked lots of questions aimed at helping you sort out your finances as it sounds ( and if i am wrong i apologise) as if your finances are spiraling out of control and you need a total change in the way you deal with them

the people over there are fantastic and will help you in anyway they can

good luck

it may help if you have a statement of affairs ready for when /if you decide to go there

stablegirl

Thanks so much for your reply, I will do that now!!! xx