can any one help?

samantha-c_4

well cccs still cant help me!! raaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaahhh

saffronflowers

Hon - you are going to have to be brutal with your finances - I know it sounds harsh but you are going to have to go through everything with a fine toothcomb.

Your car insurance is very high - nearly a £1000 a year. Can you not sell the car and get a second hand car.

Check this website - www.entitledto.co.uk - and see if you are recieving everything that you can. Have you told the WTC people you are now the sole earner they should alter your payemnts.

I am not a contact wearer but have read that people can get them for about £10 a month.

Your first priority is the Welcome finance loan, and I really think that you should either ask if you can defer the family loan till this is paid off.

You have got a lot of support and invaluable advice here, now it is time for you to take the bull by the horns and let us all help you get a handle on your finances.

SFx

samantha-c_4

thats the problem my parents took out a loan for me to pay off previous debts my parents struggle them selfs so there is no way how they can put this on hold as it with an actual loan company ,northern rock, I am seriously considering bancruptcy

samantha-c_4

i havn't told tax credits as i am terrified of them dropping my money

saffronflowers

OK understand now - they took out a loan for you and you are repaying it.

Re tax credits check out the website I put down, it should give you an idea.

re Bankruptcy it is an idea, if you dont own your home, however, it does mean that credit is hard to get, but these days you will probably be discharged within a year. It does not have the stigma that it used to, however, I dont know whether you will be able to include the loan to your parents. Ask in the Bankruptcy forum.

Even if you do go Bankrupt you need to work out how you managed to get in the position you are in so that you can avoid doing that again IYSWIM!!

SFx