Hi DX and fkofilee.
Original creditors are
HMRC Tax Credits, Overpayment, Outstanding Balance £7,614.59 and £49.61 via stepchange
Barclaycard, Credit Card, OB £4620.65, and £23.08 mth
Halifax PLC, Overdraft, OB £3541.74and £23.08 mth
Marks and Spencer, Credit Card, OP B£3349.55 and £12.46 mth
Halifax, Hubbys Credit Card, OP £2335.83 and £8.76 mth
Restons Solicitors Ltd, OB £1671.15 and £6.34
Creation Financial Services OB £1066.50 and £5.02
Halifax PLC , Overdraft, OB £299.50 and £5.02
Halifax PLC ? ? ? ? £4.53
Where I have missed details out, that is because I cannot remember who the original creditor was..
...and for what type of credit it initially was.....sorry
They are all paid proportinately via Stepchange
We have been using Stepchange for approx 20 months
and were paying only the necessary minimum payments to the creditors for as long as I can remember prior to that.
Hope this info is what you need in order to advise me..........Thank you