How can I cope with all this debt?

ampersand

Emmajane - well done for finding mse and posting here.

You have to stop for 5 minutes, sit still and read all the replies carefully - yes, all over again.

You have filled in an SOA, but we can't see it yet.

Does OH know you have written here? [ he should be proud of you and with you in all of this]

My signature highlights CAP [praised by Martin, along with other FREE ADVICE debt charities] because I know what they do and they are brilliant at it, non-judgmental, caring and kind. They win awards every year - best small business awards!

You will feel such huge relief when you unburden yourself with one of these groups. Look here:
https://capuk.org/i-want-help
Our Martin's at the foot of this page:-)
#
Today is your 2nd day on mse and more help will come.
You will manage EVERYTHING.
Look on the old-style boards for good cooking, batch baking, simple living recipes and tips. This is satisfying and healthy for you, your family, your budget.
Do you have any handcraft skills? Sorting out clothing is easy from cs sources.

Hot water bottles are comforting and soothing. I'd never be without mine. Do you take Thermoses/fruit/healthy snacks out with you on daily walks?

I hope you have a local library you can visit. Scour their noticeboards too.

I'll check in later, see how you are. In the meantime - (((hugs)))

ani*fan

The first thing is that you need to get solvent. It sounds as though you're waiting for a miracle to happen so you don't need to think about it. Instead, why don't you work out 2 plans, one for living in the situation you're in now and one for if/when your husband gets a job.

Can you not sell the car and use the proceeds to pay off the finance? Once your husband is back in work and you're in a better position financially you can get another one. I wouldn't bother messing around with SORN. You would end up paying for a garage or offroad space and you can't afford it.

All the advice already given re. the new baby is good.

Without an soa we can't help you much further. Best of luck though.

ratrace

I hate it when op's dont reply to all the fantastic, detailed advise they get, oh well