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Stuck with high interest charges

ljemann · 2025-11-28 12:24:35

Hi, my husband and I are both struggling with credit card debt. We are just about managing to pay the minimum but then end up using them again for food shopping etc. We’ve both tried to get loans in order to pay off the debt at a more reasonable rate ( or at least have an end date in sight without more interest piling on…

Comments

RAS Posts: 36,463 Forumite

3 December 2025 at 5:32PM

Your priority is to arrange your family finances so that your budget balances. And to build a good emergency fund.

The debts are a matter for later. Currently you are not in a position to pay anything towards them. Get that form filled in, balance the budget and then look at getting write-offs, maybe affordability claims later.

And live going forward within your means.

Then you can look at what debt is still left.

If you've have not made a mistake, you've made nothing

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