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Get in touch with Consumer Credit Counselling Service - free & confidential. They will devise a debt management plan with you that's re-assessed each year. You'll need income &outgoings & they'll contact creditors for you - you pay them set amount monthly & they pay creditors. I am in the same situation & have been with them for 2 years & they are fab. My creditors have stopped interest & charges to help me to pay back debts. May not work for everyone but worked for me & they have heard it all before & are very non-judgemental. Ring them today if you can, they're open 8-8 & their website is also worth a check for ongoing support. There are lots of people like us who for a number of reasons have got bad debts. At least we recognise that we have done it ourselves/our fault & we take steps to try to repay. Hope this helps. You're not alone. xx
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