what to do?

hopeless_case_2

ok ok ok so why not all have a go. Wish i had never asked judging by the tones used on here.i posted an soa some time ago and did the things suggested. I have worked hard for my home(not house) and will do all i can to keep it.

poodlehorse

Please don't get your back up. people are only trying to help but it is hard if they don't know the whole situation. Has your SOA changed since you first put it up? If you have "done all the cutting back stuff" then it should have. So let us see it again as it stands now. There MAY still be some obvious stuff there or there may not but at least people can then advise, can't really do that out of context.

GeorgeUK

I agree we need a little more info hopeless case.
£900 shortfall is pretty huge and if you cannot adjust this through either lower credit accounts or shuffling the debt, i think you need to take expert advice - especially with that secured loan you have.

Professional, free and impartial advice on debt problems can be obtained from several charitable and 'not for profit' organisations. They never make a penny from the advice they give, which means it will be given with only your best interests at heart. You can contact:

Your local CAB Office and ask to speak to a 'money advisor' *** The Consumer Credit Counselling Service (CCCS) - Tel: 0800 138 1111 *** National Debtline - Tel: 0808 808 4000 *** Payplan - Tel: 0800 917 7823

(taken from Fermi's signature)

Chollita

So how would there be 'cash to spare'? You speak as if it would be some kind of freebie. Don't forget that you would be paying interest on it.