At the start

shamu95

Hi poppie,
I was once feeling like you are now-then i came on here and yes it was hard seeing it all in black and white- but it is never to late and there is always a solution.
The people on here have been great-the support you get and the advice you get means you never feel alone.
Everyone here as been in your position and are here to tell the tale. I owe over £60000 and at my lbm i had a shortfall of £781 for meeting my minimum payments and through the advice here and just looking at how much things cost and a bit of reshuffling i have massively reduced my shortfall.
post your soa and let these guys work their magic.

above all poppie remember you are not alone. you are not the first and wont be the last.
well done on asking for help-things will get better