Need help with debt

F####d_by_NatWest

A brief explanation of my debt problem

I'm currently in about £45000 worth of unsecured debt I took a loan out for £17000 at the start of last year, £4000 overdrawn in the bank ( My limit is £3000 ) , £14000 on Credit Cards and the rest to Family members, at the moment i'm not working due to depression i've not worked full time for about 18 months and most of my payment protection does not cover " mental health issues ".

In the last 4 weeks my bank have mugged me of £695.86 in charges, then today I get £200 cash out on my visa to pay for repairs on my van and some p***k robs me of it at the Bank machine ( and I thought friday was the 13th )

:mad:

Hopefully someone can offer me some help to start to sort out my mess

Annie_Fanny

F####d_by_NatWest wrote: »

A brief explanation of my debt problem

I'm currently in about £45000 worth of unsecured debt I took a loan out for £17000 at the start of last year, £4000 overdrawn in the bank ( My limit is £3000 ) , £14000 on Credit Cards and the rest to Family members, at the moment i'm not working due to depression i've not worked full time for about 18 months and most of my payment protection does not cover " mental health issues ".

In the last 4 weeks my bank have mugged me of £695.86 in charges, then today I get £200 cash out on my visa to pay for repairs on my van and some p***k robs me of it at the Bank machine ( and I thought friday was the 13th )

:mad:

Hopefully someone can offer me some help to start to sort out my mess

I think you need to bring in the big guns.

I'd advise that you call one of these guys:

Consumer Credit Counselling Service (aka CCCS)
Wade House
Merrion Centre
Leeds
LS2 8NG
Tel: 0800 138 1111
http://www.cccs.co.uk/

Payplan
Kempton House
Dysart Road
Grantham
Lincolnshire
NG31 7LE
Tel: 0800 917 7823
http://www.payplan.com/

Citizens Advice Bureau (aka CAB)
http://www.citizensadvice.org.uk/

I'd also get straight on to reclaiming back all of your charges....

Good luck

Annie

Broken_hearted

Not much help but love the name.

this_year_2

I think the same as annie fanny you need to get help from the right people as they can help much better than any one else

lynzpower

I agree you do need to get in the professionals at this

I would recommend getting everything in order today ( i dont think they are open on SUndays are they?) Get all your bank statements, letters, demands, and EVERYTHING in order.

You can reclaim all these charges, so do have a good read of the bank charges forum on here as well.

Do a SOA. You need to have a clear picture for yourself of all your incomes & outgoings , and know to the penny what all your debts are and who they are to.

you can post your SOA up here and we can also help with slicing back your outgoings to free up more money for breathing space.

Also today, if you havent already, go through your gaff with a fine tooth comb and critically assess what can be sold. Ebay, amazaon, loot, anywhere just to get some money coming in to help you keep the wolves from the door.

Good luck & we are here all day, so do post back x

liz105

If you could please read through Southern Scousers sticky at the top of this board, and consider posting your SOA? Its could help us to help youin the meantime.

beanielou

YOu also need to open a basic bank account away from your existing creditors ASAP top get your benefits paid into.