72k in debt....I feel sick

moneymeltdown

OH MY GOD...that's the figure that the CCCS gave me yesterday....I think that's my LBM right there!

BlondeHeadOn

Deep breath, cup of sweet tea ....

Right, that's the worst bit over and done with. You know the worst now, which means that you can start to deal with it. And CCCS are great - you are not alone. You also have everyone on this forum.

You are not alone in this, you have lots of support and help right here.

Big hugs (rather dodgy ones!)

:grouphug:

moneymeltdown

I love that dodgy hug....thankyou!! This forum has helped me so much already to face up to the mountain of debt that has piled up over the years ... I now have the next 27 (!) years to pay it all back!:o

**Amy**

:hello:

Just wanted to say that as above poster said you have taken the first big massive step, admitting to yourself you have the debt.

You will be fine. The CCCS will help you as will this board.

:beer:

Tot_3

:grouphug:

Nice cup of tea, take a few minutes to let it sink in, and then be positive about how you're going to crack it!!!

Mine started opff at about £56k so whilst its not anywhere near yours it was still enough to scare the life out of me!!!

CCCS are great, just give it all time to settle down and get the DMP or whatever you get going into the flow and then things will start to look up. Its not gonna be easy, but boy is it gonna be worth it.

Lots of love

NUFCnutter

Treat it like the mother of all hangovers, cup of tea, decent fry up, little sips of water and take baby steps, and you will manage. Seriously though, you have faced the worst, now you can get it sorted, AND YOU WILL!

Jacks_xxx

:wave: Hi sweetie

I still remember that

Oh.

My.
God. :eek:

feeling. You're not alone hon.

Tackle it one step at a time my lovely, and pretty soon things will start to look rosier.

It's gets better from now on I promise.

Love Jacks xxx

moneymeltdown

I have to open a new bank account asap...would anyone be able to recommend one that will take me (with my terrible credit rating and general inability to deal with money)?

CCCS advised me to walk away from my current bank account (HSBC) even though I am overdrawn to the limit...:eek:

moneymeltdown

also,thanks to everyone who posted today with their support...!!

rayday2

YOu need to choose a bank account not related to anyone you owe money too I will post some links to help.

http://www.payplan.com/pdf/bank_acc.pdf

IS a list of basic bank accounts

http://www.payplan.com/debt-library/miscellaneous.php

Is a list of connected creditors but this list is not the best if you have funny named cards check online usually on their websites you can see who they are provided by.

fermi

moneymeltdown wrote: »

I have to open a new bank account asap...would anyone be able to recommend one that will take me (with my terrible credit rating and general inability to deal with money)?

The Coop Cashminder?

They will give that to people who are "bankrupt", so you should be OK.

Otherwise, check the list from rayday2.