Over 30K in unsecured debt SOA

enthusiasticsaver

dfw2019 wrote: »

Thanks! I have put in some refund claims. Can you move this over to diaries so that I can post updates?

Sorry. I have only just seen this. Will move now.

RecentPost

Firstly - congratulations on on overcoming your gambling problem - this is of course a very had task and its something to be proud of.

Secondly - Your expenses to me seem reasonable and very low which is great for what I can only assume is somewhere in London. The 15k-20k leaves in a great position to clear your debt - I imagine you're a 40% tax payer with NI contributions so this should be enough to clear a 3rd of your unsecured debt. Your creditors have a responsibility to help you when things become no longer affordable talk to them and ask for reduced payments for a short team while paying off some using your excess income. My recommendation is to always clear the ones with higher APR first.

Thirdly - Don't worry about your credit rating. It doesn't1 mean jack.

Lastly - good luck!