Guys, I cant thanks you enough for replying. The Current account is going to be challenged, as most of it is made up from charges. My credit cards are both in arrears, and are both with debt companies now, when i get any extra cash, i do make a payment of £50 to the company, but nothing regular. I find myself trying to fob them off with excuses to delay payments etc. Not ideal but it sometimes works, but wont last forever. I'm trying to sell the odd thing on Ebay to even make a small payment to some companies, not much, but at least a token payment is better than nothing. As for the charging order, i dont mind it to be honest, but just a pain it was put on just after we moved, so this may jepordise the title of the house. And of course, having that, we cant remortgage either.

Hi everyone. This is my first post here, and a real cry for help as i'm now at cracking point with my debt. I currently owe a few companies money. They are Northern Rock (loan) HBOS (loan and account arrears) EGG (CC) Capital Bank (CC) Now, I stupidly got myself into debt about 5-6 years ago, and it's all spiraled since then. I took a loan out for around 10k with hbos, at around £460 per month, which was fine, until i had to change job to a lower income. I was then unable to keep up the payments, and started using CC's to make the monthly payment etc.. Obviously i then couldn't afford to keep meeting monthly limits, so i got a loan from NRock to consolidate, through my own stupidity again, i squandered the money and eventually had nothing paid off. I now have a Charging order against our house, although we moved house a few months ago, this was placed on us the week after we moved, so now in a battle for the title of the house, as it has to be clear for a set period after moving, thats another issue though. I entered an agreement through the court with Blair Oliver & Scott, to pay them £50 per month, which is fine, i'm meeting that. (total debt 8k with them) I had an old HBOS current account which i never touched for a while, which was up near it's overdraght limit, because i never used the account, it was passed to Blair Oliver & Scott only this month, i've yet to make a payment. (£1400 debt) My Egg card has been on going for a while, and i managed to bring it down to around 2k oweing, but have not been able to afford a payment for a good while now. The main card i used to pay everything was a Bank Of Scotland Preference card, which when i can, i try to pay off at £50 through a company called LTC. My Northern Rock loan, is the only one that i have never failed to pay, never missed a payment at all, so there's no issue with that. As is with some people i expect, my wife knows nothing about these debts, apart from the 2 Blair Oliver ones. Now that was bad enough, and i hate keeping this from her, but she WILL leave me if there's anymore debt. I've even not contacted any debt companys as i dont want mail arriving which may give anything away as she works part time, so gets the mail every day. We have a 1 year old daughter, and i clear £1400 per month. £1150 goes into a joint account for mortgage, food, petrol, bills etc. I'm left with £250 to myself, £193 of that is paid to Northern Rock for my loan, and £50 to Blair Oliver for my loan through the court. This leaves me a grand total of £7 free money every month. Ontop of this, i still need to pay o2 for a phone contract, which i'm going to have to try and get out of after already defaulting with them this year, although now sorted. So you can see where my money needs to go. I really dont know where to turn to, or what to do next. I dont want to lose my house/wife/daughter just because i'm in Debt. My wife has always worked hard to save for herself, and this would kill her to know how bad things are with my debt. What should i do next ? I sit at work practically in tears thinking about this every single day, and then put on the good old brave face for everyone, and the same when i get home. Many thanks