Debt help wanted please

Pound_note

I'm going to try to give you all the information i can so hopefully someone maybe able to help me. At the start of last year along a friend lent me £10k to pay off a debt this was the only debt I had at the time, interest free to be paid back at £100 pm.
I then borrowed £3k from the building society in a loan to buy a car. Monthly repayments are £85.6 but I upped this to £100. Last month I also took advantage of Barclaycards 0% balance transfer for 20 months moving £2.8k onto them and I currently paying £140 a month my thinking 20 x £140 equals £2800 paid off.
I could cope with these 3 payments I take home about £1400 a month and have no other debts. All was going well until my mate asked if he could have his money back I took out a loan with Sainsburys bank for £7.5k costing me£148.35 for 60 months. I paid him £5.5k and put the remainder to pay off my loan and used £124 of my current account to settle the debt. I still owe my mate £2.4k but he's cool with that at the moment.
Also whilst searching for deals I got a £5k money transfer to my current account today from mbna, I don't really need this now I've not activated the card or set up any details with them as yet. Is best to use this against my Sainsburys loan at 8.4% or simply send it back. My debt is manageable I don't want anymore but am very fearful of this happening and I'm not at all sure who ring Sainsburys or mbna.
Any help would be greatly appreciated so thanks in advance guys. I'm prepared to answer any questions or go with some constructive advice.

andyfromotley

Hi Pound Note

fill this in http://www.stoozing.com/calculator/soa.php and post it on here and you will get some great advice on how to deal with this.

andy

dancingfairy

My main advice would be to stop taking on debt. You obviously had some debt, then borrowed off a friend to repay the debts, you then took out a car loan, you then took out a Barclays loan, then another loan to repay your friend, etc.
You need to stop robbing Peter to pay Paul and come up with a proper plan .
I'm sure if you have a chat with National Debtline or Stepchange or your local CAB or someone else Martin recommends you can sort this.
df