Last hope

[Deleted User]

Are you living at home with your parents, house sharing, or what?

Are your debts all at 0% APR, or have you just not included the APRs?

daniellejayne

Yes I live with my mum my younger brother and sister and I didn't include them

Celticmiss

Oh Danielle, I am a newbie but already know you can manage your way out of this situation. Loads of help here. Take control don't let it control you any longer.xx

daniellejayne

Thank you celticmiss I know there's plenty more people in worse situations but I just feel so lost and I don't know what to do xxx

[Deleted User]

daniellejayne wrote: »

Yes I live with my mum my younger brother and sister and I didn't include them

So the £370 you have listed under Rent, is what you pay for food, board, etc.?

Two questions about the debts.

Firstly, are all the debts at 0% APR?

Secondly, are the amounts you have listed as your payments to the debts, the minimums required under the agreements?

daniellejayne

Yeah that's what I pay my mum and she uses that aswell as rent from my siblings and splits it over cost for food gas elec etc. these are mostly short term loans and it's the set amount they set and no none are at 0% except maybe one of my credit cards. The card I think I can handle it these horrendous short term pay day loans

[Deleted User]

I don't see any way you can make the payments expected.

You could try contacting them and asking to arrange a payment schedule you can afford.

Failing that, I think defaulting and entering a DMP, is going to be about the only viable option.

daniellejayne

Yeah I have looked into a dmp but I'm not sure which one to go to or where to start if I'm honest

Keeping_Positive

http://m.stepchange.org/debt-remedy/

i try this kink. National debtkine and cab are good but I amd many peeps have used stepchange. This should be a kink to the online calculator

[Deleted User]

One of the free ones.

Don't use a fee charging DMP company.