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Hi there. Just wanted some advice. I've been looking at the forum for the past few weeks but just joined today. To sum up. I pay £440p/m for mortgage I have 2 personal loans. One has 8.5k remaining and the other 6.6k. Combined Payments are £340 p/m. I have a pcp car finance at £170 p/m
As soon as payday comes. And after all my bills and loans come out. I'm in my overdraft after a few days. And I am in it until the next pay day. Then the cycle begins again. I am increasingly getting deeper into my overdraft each month
I live by myself and become worried about it getting worse and worse each month. I have called a Payplan and they advised a DMP but I'm not sure if that's the right route?
