Absolutely terrified and in a jam

patman99

Never heard of 'nimber' or 'taskrabbit' before. Anyway, good luck with dealing with your debt and please remember, it is much better to be on a DMP and in control of your debts than it is to not be on one and have the debts be control of you.

amorge

I've sold some bits and got £150 cash, do I pay the next £100 off and rest on CC or all on the highest rate CC?

plunt

Make sure all min payments are made for all cards and then rest used on the highest card. That's my advise but wait for more experienced people to answer that

[Deleted User]

Yes, provided minimum payments are being made, pay any spare cash to the highest APR debt, unless you have an OD.

amorge

Thanks, I will chuck on the CC

in_need_of_direction

Hi. Personally I'd get rid of next and get it closed as that would help me psychologically. Bedsit bob gives the logical advice. I know they are a pain but, have you considered the survey sites. I use them to build up vouchers. No matter how great your girls are being, there are times that you will want to treat them.

in_need_of_direction

Isn't the next account the one with the highest interest rate? Also, does your mortgage lender allow payment holidays?

amorge

in_need_of_direction wrote: »

Isn't the next account the one with the highest interest rate? Also, does your mortgage lender allow payment holidays?

Thanks for saying that, I have paid the next account - clearly need to screw my head back on!

I haven't heard of payment holidays, my mortgage is HSBC, I'll give them a call

in_need_of_direction

Have you closed the account? If not, do it now. Post break up I ended up £30k in credit card debt and then cleared it by a personal loans / remortgage and then got it back to £18k. You really need to close each account as you can.

amorge

I've had the confirmation of payment and it says it will show on my account in 2-3 days. As soon as it's on there I will close the account.

Thanks for the advice