Any advice would gratefully be received please. Well here goes as i cant talk to any one else about this. Iam a single mum who is self employed with a mortgage of 80 thousand repayment and 30 interest only so pay 724 monthly mortgage which is ok but have been burying my head in the sand as owe 18 thousand on various credit cards . Up to now have been managing it but my tracker rate has just finished so hence mortgage rate has gone up to 724 and my credit bills are over 400 a month and am not getting anywhere paying them off have just about kept head above water but the truth is ive got more money going out than i have coming in and dont think i can manage it much longer. Did approach mortgage company about secured loan but didnt take it any further as they were talking about taking it out over 20 years when my mortgage finishes in 15 years and even then they said it was possibly too tight and i was concerned if turned down my credit rating would be affected which on experian is excellent. I have never missed any payments but have been a couple of days late on occasion. my mortgage is with abbey and have applied for a 0% and0% no fee balance transfer which if i get i would shift some of the debt and hopefully buy some time to sort things out, in hindsight this probably wasnt a good idea as if they turn me down for this i dont know. Please if anyone has got advice please please tell me i really dont know what to do thank you.