thanks for the reply. I have read up on DRO it sounds good but i would feel nervous about it . my debts have gone up recently and so i sat down and went through everything yesterday and in fact i only have £36 a month to spare. no wonder i have been struggling so much. i'm taking more money off the cards just to get by. Ive had debt in the past and found them a real pain to deal with. also i worry that how am i going to spread out £36? especially MBNA owing 4k i have proof of income and out goings but i don't want to constantly receive demanding letters through the door.or get taken to court i will look at the library letters. thanks DX

I'll look into. Thanks for the information.

No, i don't own property or have assets. looks like i'll just have to pay them what i can afford. thanks

Anyone?

Hi Andy Thanks for the reply The cards i have are by age, oldest 3 years mbna £4000 21.5 % after Xmas AQUA £300 26.9 % atm BOS £1400 0% atm Barclay C £1200 21.5% atm Halifax £900 0% atm Owe bit more than thought. Halifax is the most recent and others had about 1.5 to 2 years. Applied for all online. Thank you.

Hello. At the moment i have five credit cards totaling £7500. most are balance transfer cards and some are coming to the end of the offer. oldest card is about 3 years. (MBNA) i am finding it difficult to keep up payments (not currently working) with the cards and usually end up robbing peter to pay paul. i have a disposable income of £80 a month and at the moment card payments total £110 which will rise after christmas due to interest being added on mbna card MBNA i owe £4000. currently pay £45. i also have another mbna card with a 0 balance what i would like help with is, would i be better off using my other mbna card to clear the other £3500 debt and just then deal with mbna? instead of multiple agencies. ? don't want to fall behind with payments but i dont know what else i can do thank you