Please Help. Young and In Debt!

greensalad

Once this awful burden is gone from your life you can be smug in the knowledge that you have learnt at an early enough age that debt is not for you.

I'm 24 and had my LBM at 23. This is what I keep telling myself, I'm feeling really good that I've got a handle on finances now rather than when I have a house, a husband, or kids to complicate matters.

pabloescobar1989

help understanding credit file and repaying debts please help
3rd Oct 15 at 3:52 AM
#1
hi guys don't know where to start really basically i have been declined for pretty much every line of credit in the last few months i know this is irresponsible in the first place so now have recently stared looking into my credit file and decided i must pay my debts the problem is i just don't know how to go about it.
here is a quick summary of my debts and outstanding credit.
capital one credit card - £200(within limit)
natwest overdraft - £250(within limit)
defaulted o2 contract - £648 (defaulted may 2015 still with o2)
cash genie - £224 (default from several years ago)
payday loan - 200 (from several years ago dosent specify a company)
o2 - £68.74 and £59.00 (i have no idea what these are for as only ever had 1 pay month contract with o2 which is above)
i also have instalment loans which i am paying at the moment not in default with peachy,mr lender,the money shop,24/7 moneybox (these are now getting to the point where it is difficult to repay this is why i was seeking credit recently to consolidate as the intrest is crippling me.
also have ccj which is setled from a couple years ago and few defaulted accounts that have been settled.
the problem is that i want to start to get back on track and repay my debts but dont know how to go about it have not had any contact in last 12 months apart from 02.
i just need any help and advice on this please im sorry if this post is in the wrong place im a newbie so not sure.I can go into more detail if needed PLEASE HELP IM DESPERATE I DONT SEEM TO SLEEP ANYMORE !! thanks in advance nathan.
p.s i am sorry for any bad grammar or punctuation. also i am using noddle for my report the debts i have listed were given to me by a debt advisor over the phone.