Hey everyone.
Total noob here attempting to resolve some of our debts and looking for some advice..
. I've read some great success stories on here and some very valuable advise,
which will no doubt help me towards being debt free so thanks for all the info that has been about.
To start with I have the below debts I'd love to get rid of one way or another
Barclays Overdraft - Wife's £1,500
Halifax Credit Card - Wife's £4,600
Virgin Credit Card - Mine £1,250
Natwest Overdraft - Mine £2,000
Natwest Loan - Mine £7,400
Natwest Credit Card - Mine £1,250
Total £18K
I've also written down a budget planner and worked out how much I have left at the end of each month
to pay the above creditors and im pretty much broke by the end of the month.
.. well actually I am as i'm having to ask family/friends to help me get through the month.
So i don't have any disposable income.
The only thing is,
I have never had a missed payment or defaulted or anything on any of my debts. T
he problem is though I don't really have any money left
and I can't ask family any more as they have leant me enough to pay off
and close other debts so now im just left with these.
I'm wondering which direction I can go..
I've been advised to go down the DMP route either via Stepchange/PayPlan or do my own DMP,
which I don't mind.
.. I'm even tempted to write to Virgin to see if they can write my debts off
I just need some guidance on where to start and what I need to be doing...
Any help much appreciated
Thanks