Not Sure If Right Place

GOLDIE

O.k. Here Goes. What I Owe Ya Know This Is Hard To Do Isnt It.
Mortagage £88,000 Paying £644 A Month Finishing X20 Years
Loan Attached To Mortgage £19,000 Paying £166 A Month Finishing As Above
Lloyds Tsb Gold Credit Card £10,500
Lloyds Tsb Platinum Card £3500 Paying £279 A Month Finishing Really Dont Know
Lloyds Tsb Loan £7250
Lloyds Tsb Overdraft £1250
Council Tax £750 Paying £75 A Month Finishing X2 Months
Water £340 Paying £40 A Month Finishing X6 Months

I Am So Weary Of All This Debt But I Do Know That If Lloyds Tsb Hadnt Been So Heavy Handed With Their Bank Charges I Wouldnt Have Been In Such A Mess Now.i Couldnt Make Payment And Pay Acumilated Bank Charges Of £250 Some Months. I M Not Making Excuses Because I Know It Is My Fault. If Anyone Has Any Advice I Would Really Appreciate It. I M On A Decent Salary And I Have Moved Banks And Its Amazing That I Havent Go Overdrawn Possibley Down To Not Having Crippling Bank Charges.

Tashja

Hi Goldie

Yep, you are in the right place !! Welcome !!

First off we need to get the information that you have provided above into some sort of order - try looking at this thread - http://forums.moneysavingexpert.com/showthread.html?t=107280 and write down all the information you need.

If you then post that information here there are loads of people who will be willing to help.

We need to know all your incomings, outgoings and debt with APR's and time to run so we can help.

Welcome again and I am sure we can help you out.

T xx

immoral_angeluk

IF the majority of one of your debts is through bank charges have a look into claiming these back!

itsarichmansworld

shameless bump

crawley_girl

Hi there

Well done for posting, no it isn't easy to admit our debts.

Stick a SOA up, including your income and other monthly outgoings and people will be able to offer some support and guidance.

GOLDIE

GOLDIE wrote: »

O.k. Here Goes. What I Owe Ya Know This Is Hard To Do Isnt It.
Mortagage £88,000 Paying £644 A Month Finishing X20 Years
Loan Attached To Mortgage £19,000 Paying £166 A Month Finishing As Above
Lloyds Tsb Gold Credit Card £10,500
Lloyds Tsb Platinum Card £3500 Paying £279 A Month Finishing Really Dont Know
Lloyds Tsb Loan £7250
Lloyds Tsb Overdraft £1250
Council Tax £750 Paying £75 A Month Finishing X2 Months
Water £340 Paying £40 A Month Finishing X6 Months

I Am So Weary Of All This Debt But I Do Know That If Lloyds Tsb Hadnt Been So Heavy Handed With Their Bank Charges I Wouldnt Have Been In Such A Mess Now.i Couldnt Make Payment And Pay Acumilated Bank Charges Of £250 Some Months. I M Not Making Excuses Because I Know It Is My Fault. If Anyone Has Any Advice I Would Really Appreciate It. I M On A Decent Salary And I Have Moved Banks And Its Amazing That I Havent Go Overdrawn Possibley Down To Not Having Crippling Bank Charges.

I have got help from CHRISTIANS AGAINST POVERTY and i can really recommend them. i will be debt free in 6 years and that includes a £21,000 non secured loan from my mortgage company. They are a face to face counselling service and i really found that better than just talking to faceles people on the phone

david_hellier

SOA please

GOLDIE

what is SOA please

GOLDIE

what do you mean shameless bump??

hypno06

SOA is a statement of affairs - have a quick look at Southernscouser's sticky for newcomers just above this post and you will see what we mean!

As for shameless bump - someone is kindly "bumping" this thread back up the boards so it doesn't get ignored - sometimes the boards are so busy that new posts like yours get lost in the masses.

Don't worry - it is a good thing - shows that others are looking out for you!

chevalier

Hi there Goldie
A shameless bump is just a way of moving your thread to the top of the forum again - bumping your thread!

A SOA is a statement of affairs. You can find out how to lay this out by looking at southerscousers sticky thread at the top of the forum. It is a list of all income, outgoings and debts (with apr's and min repayments).

There are two reasons for asking for this one is that we can help you better if we know your circumstances better. Secondly if after 'talking' it through with us lot you decide to opt for a Debt Management Plan (DMP), then you would need this information listed out for when you talk to CCCS or Payplan (two FREE companies who give free impartial advice about debt and how to pay it back, other companies charge a fee so should be avoided).

hope this clarifies
chev