Thanks all. I've got until 28th August before s**t starts hitting the fan so go take a day or two to gather myself and get my head on straight and then going to get this DRO ball rolling... here goes nothing... wish me luck

Ok. Will have chat with my boss and see of I can get a day off to pay a visit to the CAB and see what they say... I imagine it all has to be done face to face but will they do any of it over the phone? Ie talk to me about income and expendature? Only I don't want to go in there saying these are my i...

That was meant to say annual cost not analysis. Lol

Ok so I drew up a spreadsheet of everything that comes into the household and everything that goes out accumulatively accounting for the analysis cost if schools supplies and uniforms and road tax etc and dividing it up into months. It leaves £79 expendable and that's not including any kind of SDP a...

Looked into a DRO and it seems reasonably straight forward if I qualify and as you said there were expenses that I didn't account for within that last post such as mot and road tax, kids school uniforms (with 3 kids you can get into debt just from uniforms lol) sorry, trying to make light of it all....

Ok and what actually is a DRO? in a nutshell?

ok, just as a rough guide if it helps advice, I rent my home privately with help from housing benefits, I bring home a net monthly income of just under £1000 pcm we get help from Tax credits of about £800 pcm and housing benefit of about £500 pcm so total income is roughly £2300 pcm outgoings exclud...

Ok it's sounding a bit more positive. I owe: Barclaycard £1300 owed HSBC credit card £1600 owed 118 118 money £3500 borrowed My jar £725 borrowed Sunny £1000 borrowed Mr lender £500 borrowed Provident £1000 borrowed Not sure off the top of my head what the loans all are with total interest but that'...

no I've been taking out new ones to pay off others, 3 out of the 4 I have opened recently are ones I've not used before, that's why I'm worried... should it matter that I've not even started making any payments on some of them yet?

does that still stand if I was "slightly less than honest" on the applications? I'm just worried that it will be viewed that I borrowed never planning to pay back... where it's actually more of a case of borrowed just not sure how I'd pay back... has anyone else been in a similar situation, starting...

Thank all. I'm defiantly going to speak to a few companies for the best advice but my biggest concern is that the ones I have taken out most recently I haven't even had to make my first payments on some of them yet. These are the ones I'm scared of as I'd heard that these are the ones where they'll ...

I've been stuck in the cycle of payday loans and installment loans for a while now getting worse and worse as have been taking one out to pay off another but then needing a bigger one to pay that etc etc... If now taken 4 out in the last 6 weeks which I si ply can't pay and can't get anything bigger...