Debts to clear first

mb1981

So I need your help I have the following : 
I now earn 30k a year work full time after a year of no work due to illness but 
I have 2 defaults from sept 25 now on my record one for hsbc £6200 pay £55 a month and other vanquish £2235 pay £15 a month 
I am in with lowel for another credit card £2250 no default pay £15 a month 
and have a balance transfer card on 0% but owe £2900 with no promotions of any transfers. And this also ends March 2026 

My score has gone from 996 to 446 because of the defaults but I really want to get everything in order and sorted what’s the best way to go about this please. 

I pay £1000 a month for home and bills 
I pay £250 fuel for car but have approx £200 a month to try get sorted  

fatbelly

Ignore the score. Just concentrate on getting debt free

Any of those debts attracting interest? If so, start with them.

See if you can clear the BT card within the promotional period.

Lowell have bought that debt for maybe 10% so they will be open to a settlement deal if you can save a lump sum

fatbelly

If you want to post a statement of affairs on the main dfw board more people would comment

https://www.lemonfool.co.uk/financecalculators/soa.php