Hello everyone, I am new to this site today, but have a feeling I'll be coming back again and again. Ok I have a debt problem (that feels better)! Now for the lowdown: A&L Loan - £8000 ish Virgin (MBNA) CC - £5500 ish Egg CC - £3500 Barclaycard CC - £3500 Barclays (overdraft) - £1000 I have no problems paying my loan, except for last month when I realised how bad things had got. However I am strugling to make the minimum payments (+ charges) on the rest and everyone is phoning me non-stop. About 18 months I took out a loan to setup a small poster printing company, but it never really took off. On top of this I was ill for over a year with undiagnosed problems and my company ending up taking me through disciplinary hearings due to the amount of time I was having off. They didn't pay me sick pay either and on-top I was paying for various treatments. Anyway I am much better now and my work has backed off, but the debts I built up then are spiralling. I may be getting a lump sum of between £1k - £2k some time this year, but not sure what to do till then and who to pay off first. I don;t want this money just to pay of interest temporarily and just delaying the problem. I understand that I should request CCA's from my creditors but I am unsure of the whole process. Where do I send these requests to ? etc Thanks for your time people.