received one ccj april last year one nov last year

i havent done anything with any of the debts until yet, upunitll now they have been totally ignored.

Hello i am 24 years old, around 4 year years ago i lost my mother, i subsequently spent the next two to three years going off the rails and getting into debt, i am now stable and working full time as an estimator and going to uni one day a week to attain a degree in engineering. I have just signed up to experian to view my credit rating and the extent of my debt is as follows. I want to sort this mess out but dont know which way to start as it is such a mess. Court information 9000 unsecured loan nationwide which i now have a ccj for 3500 overdraft which i now have a ccj for Credit agreements 691 credit card stopped receiving letters now 142 Tmobile 3346 natwest These are the ones that show on my credit report. i also owe an unknown amount to payday lenders estimated £1500 2 years council tax, the debt was sent to equita, they sent it back to the council and it is now back with equita 700 water bill 700 gas repaying 5 pound a week off meter 1400 electric repaying off meter there may be more that i am unaware of Financial situation i have a mortgage owing £43000 on a £12500 so around £80000 equity 2000 arrears but a payment plan in place. the only debt secured on the house is the mortgage. any advice, no matter how small will be much appreciated. many thanks Daniel O'Donnell

Hello i am 24 years old, around 4 year years ago i lost my mother, i subsequently spent the next two to three years going off the rails and getting into debt, i am now stable and working full time as an estimator and going to uni one day a week to attain a degree in engineering. I have just signed up to experian to view my credit rating and the extent of my debt is as follows. I want to sort this mess out but dont know which way to start as it is such a mess. Court information 9000 unsecured loan nationwide which i now have a ccj for 3500 overdraft which i now have a ccj for Credit agreements 691 credit card stopped receiving letters now 142 Tmobile 3346 natwest These are the ones that show on my credit report. i also owe an unknown amount to payday lenders estimated £1500 2 years council tax, the debt was sent to equita, they sent it back to the council and it is now back with equita 700 water bill 700 gas repaying 5 pound a week off meter 1400 electric repaying off meter there may be more that i am unaware of Financial situation i have a mortgage owing £43000 on a £12500 so around £80000 equity 2000 arrears but a payment plan in place. the only debt secured on the house is the mortgage. any advice, no matter how small will be much appreciated. many thanks