Advise on best solution

Good evening,

I wanted advice on the best way to go forward with credit card debt.

I have around £24,000 in debt on 5 different credit cards in total. I am currently meeting all minimum payments and trying where possible to pay off more, they are all on balance transfer offers. However, one balance transfer offer is ending on the 25th of this month and 33% APR will start to be added on. I have tried to look for another offer to transfer the balance but given the current financial climate, there are no offers available. Please could I have some advice on what to do moving forward? I am unsure whether i should consider consolidating my debt through an IVA agreement. I am not a homeowner and work full time at present.

Many thanks in advance 


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