On the Edge with Debts

elvis2003

Thanks a lot..

Yeah i have worked out roughly 6000 will fall off in 2013

It will still leave around 20k in total outstanding. An i am worried i will never be able to get a house and things now also.

dancingfairy

Well you haven't made it easy for yourself but it is by no means impossible. You need to try and keep on top of things going forward and time will fix things. You also need to try and get those CCJ's settled. First though you need to get a new basic bank account sorted - try Barclays or Co-op ( presuming you don't owe them money) and apply for a basic account (no overdraft/credit facilities and no credit checks either). This is because some payday loans companies can and will legally rinse your account (as you have alreay given them your details etc). This may leave you short for rent/electric/gas/foo etc and is likely to cause you a lot more headaches. That is why it is vital you take steps to safeguard your money and make sure the priorities get paid first. Obviously you should not ignore the payday loan companies and should make offers to repay them but not until you have another bank account sorted.
Best of Luck
df

elvis2003

I have already got my self another account and my wages go to that one now. So i am OK their at the min. x