OK *deep breath*
Mortgage 133k outstanding
Loan 1: 15k outstanding
Loan 2: 9.5k outstanding
Loan 3 (from mother): 2.5k outstanding
Overdraft: 6k (full)
cc 1: 4k
cc 2: 2.5k
cc 3: nothing yet

My only saving grace is equity 90-100k

*cries*
( Monty Boyce, My cheese game is strong, Fri 26 Nov 2010, 10:10, 2 replies, latest was 15 years ago)

why don't you ring a company like cleardebt?
they can consolidate them for you.
( rachelswipe with a fork, Fri 26 Nov 2010, 10:13, Reply)

I understood folk like that to be rather dodgy - is this wrong?

( Monty Boyce, My cheese game is strong, Fri 26 Nov 2010, 10:14, Reply)

not all of them
I seem to recall Virgin One being ok, if they are still about as well
( Vipros. clever got me this far, then tricky got me in, Fri 26 Nov 2010, 10:17, Reply)

The One Account is fabulous!
I've paid so much mortgage and other debts off it is unbelievable!

If you fancy going for it, gaz me and we can both get a free £125
( sporters I’m sincerely gratitude to you, Fri 26 Nov 2010, 10:45, Reply)

depends on the type
but cleardebt is not a credit loan company that buys your debts and then charges you 100000%, no. it's an insolvency specialist that deals with helping people reorganise existing debts, they can advise on things like IVA's.
( rachelswipe with a fork, Fri 26 Nov 2010, 10:17, Reply)

It's not all my own stupid extravagance.
I spent 6k getting access to my kid, 3k on repairs to the roof of my block, and another 3k in plumbing disasters in the past 3 years.

:(((((((((((((((((((
( Monty Boyce, My cheese game is strong, Fri 26 Nov 2010, 10:22, Reply)

to make you feel slightly better
my mortgage is about £198k
( Vipros. clever got me this far, then tricky got me in, Fri 26 Nov 2010, 10:23, Reply)

But you only have to pay half of it, eh?
Thanks though, that does help a little.
( Monty Boyce, My cheese game is strong, Fri 26 Nov 2010, 10:24, Reply)

I do only pay half
still costs me £600 a month. Got a £5k loan, a few hundred on a credit card and have wedding pre-debt to the tune of about £200 a month.

Trying to do up my house and live at the same time is leaving me with fuck all.
( Vipros. clever got me this far, then tricky got me in, Fri 26 Nov 2010, 10:26, Reply)

You know if you tidy your hair up a bit, (although I quite like it), you could always become a gigalo.
Lots of women out there with the cash and need for a cultured gentleman to hire you.
( girlinthehole, Fri 26 Nov 2010, 10:26, Reply)

Hahahah

( Monty Boyce, My cheese game is strong, Fri 26 Nov 2010, 10:30, Reply)

I would do that as a last resort
go here www.moneysavingexpert.com/ read lots. Take a few days off work and sort everything out.
(PsychoChomp, Fri 26 Nov 2010, 10:24, Reply)

Thank you.
I've simply been pretending it's not happening for a couple of years now.
( Monty Boyce, My cheese game is strong, Fri 26 Nov 2010, 10:25, Reply)

Me too,
althought not as bad as you I have 0 assets.
Watch this hilariously cheap video www.moneysavingexpert.com/loans/debt-help-plan
(PsychoChomp, Fri 26 Nov 2010, 10:29, Reply)

Bleedin hell!
*shuns*


Seriously, if I had your love of the expensive things in life then I'd be just as bad. I just have a smaller debt because my vices are cheap.
( girlinthehole, Fri 26 Nov 2010, 10:16, Reply)

Why can't I just enjoy cheap Spanish brandy and speed?

( Monty Boyce, My cheese game is strong, Fri 26 Nov 2010, 10:18, Reply)

Haha! I know.
My worst debt was ten grand which took me five years to pay off.
( girlinthehole, Fri 26 Nov 2010, 10:20, Reply)