Newbie Will Welsome Any And All Help And Advice Thanks

jetrox

Wow i dont really know where to start but basically i need some help and advice.
Im in a real financial mess and i dont know where to start with sorting it out!
Basically ive got about £20000 of credit card, catalogue, loan and store card debts which ive had and kept adding to for about 12 years. I did start paying them off a few years ago through gregory pennington but after paying them for a few years i was offered credit again and stupidly took it and ended up with even more debt. Im getting red letters that i dont even open anymore and the companies i owe money too seem to change from one minute to the next so i get completley confused as to what debt is from whom originally. Earlier this year i set up an ac!!!! with payplan but as soon as i had done this my husband left me and ihad to move back in with my parents as i had no where else to go. This meant leaving my well paid job as i moved back to england from wales. I now have another job which does not pay as well and im living in surrey now as opposed to the welsh valleys where the cost of living was so much cheaper. I cant afford to move out of my mums but i can only live here for another 5 months. I have today contacted payplan and asked about restarting my plan with them so hopefully i will be back on top of that but i have some questions i really need answers to or any advice please:

• how or where can i get an accurate list of who i owe money to and how much i owe?
• i smoke and know i will be so much better off if i stop so does anyone know of any tips or good supportive websites?
• Also i need a good mechanic as my car needs a service. Is there a way of finding one that wont rip me off????
• I am also considering bankruptcy as an option, is there a thread on here about the process and aftermarth of declaring yourself bankrupt.

Thanks for reading this guys any help and support will be more than welcome. I hope ive found somewhere i can really sort my problems out and get my life back on track.

GeorgeUK

You could try looking at your credit report (free from experian if you cancel within 30 days)
This should have all your debts from the last 6 years.

WARNING: If you think any of your debts are about to be statute barred then it may not be wise to go to this site. When contacting a Credit Reference Agency, you need to supply your address so if any debt collection agency wants to, they will see your new address and contact you. Please be sure that you want to do this if you go ahead.

This thread has information on what constitutes a statute barred debt and also how to get copies of your customer credit agreement if a DCA contacts you demanding payment for a debt.
http://forums.moneysavingexpert.com/showthread.html?t=578486

No idea about mechanics or smoking, but if you go to the Bankrupcy board and search that, there will be plenty of info for you - or you could post your own thread.
http://forums.moneysavingexpert.com/forumdisplay.html?f=136