Urgent debt help needed

berri_2

I've been going through various websites trying to come to a solution for my outstanding debt which is a staggering 35k. I spoke with the bank this morning who suggested I look at Step Change which I have done but the result was to send letters to creditors myself but 3 of the 4 creditors are with Barclays who I already spoke to urgh! I'm starting to get stressed by it all as it just doesn't seem straight forward. I would like someone to take it away and do it for me and quickly.
One of my creditors took over £100 in interest last week then done me with a charge of £12 because it was over the limit but it was them that did it how can you ever sort things out when they do that.

I think a debt management plan may be my best option but I need to sort sharpish before more interest and charges occur. Any advice on who IU should talk to for a plan would be great.

thewhiteavenger

Stepchange and Payplan are the dmp providers who do not charge a fee.

How much will you be able to pay per month?

fermi

Welcome.

Sat with -> IMPORTANT - Where to seek professional impartial advice about your debts.

And the main site --> http://www.moneysavingexpert.com/loans/debt-help-plan

DMP may be the best option, but get a few independent impartial options first, so you are not just relying on one source of advice.

immoral_angeluk

Who is your main bank account with? I presume barclays? If you owe any debt to them then you need to change bank account to one who you don't owe money to or else they are unlikely to agree to a DMP and instead may carry on taking minimum payments.