Hi Im New...

bargainbetty

Forgot to mention, once you get some reduced rates, look at transferring the higher interest amounts onto the cheaper cards, and then closing the now empty accounts. This will improve your credit rating and make it more likely that you could get a 0% deal. Make sure you do a credit rating check (you can use the links on this site to get a free one from experian) to make sure you don't have defunct accounts that are causing you problems.

Also, start a spending diary. You'll be amazed when you see where your money goes.... As you think about what you spend, you'll find yourself with lots of extra pounds to throw at your cards when you don't waste money!

PM if you need to.
BB

baggiesgal

have had some gr8 advice on ere.... thx everyone for that.

Have had a phonecall from Payplan but unable to take it as at work so calling them later hopefully they can help me sort this major headache out as its now affecting my sleep & putting me off eatting which aint good for me if you knew me. I know their is help out there its just finding it .