hi kallis3, yes I have, they will write to get payments to the credit card companies down, how badly does this affect your credit rating?
And I have spoken to the housing peolple, who tell me I can get £4.50 a week....surely not right?

I have worked out that from £1550 that I bring in, £550 of which is tax credits, after all bills etc have been paid, but no credit card bills, I would have about £10, where on earth do I go from here, how do peolpe manage....or as I am now starting to see, they dont. There must be some financial hel...

therefore, having worked out all money to be spent on rent, c.taxes, electric etc, not taking into account any debt payments at all, I have about £10 left - so now what do I do??? stay here like I have been doing??

thanks, so what happens when I just dont pay them, or pay next to nothing? am I better trying to get some kind of arrangememt with them on the phone, and how bad does a crediut rating get by doing this?

thanks for that, I too have two children -6 and 11, and work for £850 take home, I also get £550 credits, but with £400 /m debts, it is touch and go whether the sums would work, and no I am not in an IVA, just deciding which is the best way to go

thank you for your help so far, is anybody able to advise on help with rental costs, I have been told that because of what I earn £850/m take home....I can not get any help, with £400 /m on debts ( my fault , I know )and two kids to look after, how on earth am I meant to move on

Hi Juliada, please don not think me rude, but could you let me know how you are able to get that amount of tax credit - I know we all try to work for a living, but getting by is almost impossible I am trying to leave a situation at home , but am forced to remain in a distressing situation to say the...

Thank you size5,
Who is CCCS? And yes , getting out is priority, but I cant do that untill I reduce my monthly outgoings, so as to be able to pay rent.

Hello, Please could someone advise me.... I currently owe 3 credit caed companies a total of approx £15000. One, for the last 12m has allowed me to pay £72 off the £7000 total and have frozen all interest and charges. The other two, I am continuing to pay the min. payment, inclusive of interest. I w...