My name is Sharon, im 24 and Ive got myself into a right old mess.
I made the mistake of falling for some bankers fodder when I was 18 and before I knew it I had several loans and overdrafts and credit cards. I kept up the monthly repayments until due to some unforeseen circumstances I had to move house in a hurry and missed several payments and ended up in quite a bit of debt.
I applied for a yes loan and like many people was put through to money worries ltd for a debt management plan, I had never heard of such a thing and it sounded wonderful and it was going to fix everything, so i signed up. Yes I now know there many agencies out there that offer a DMP for free, but at the time I had never heard of it so jumped at the chance. I have paid their fees and they have paid regularly to my creditors for over 2 years now, it was going fine.... until I made my next HUGE mistake...
I havnt paid my council tax for this address and the last month of my previous address, a new debt of about £1500 in total, this is including the bailiff fees of the two different bailiffs I have knocking at my door. One is Jacobs bailiffs and the other is Marstons, who from what I gather are high court enforcement, which means they can enter my property without my consent?
I really dont know what to do, I contacted money worries to arrange to have the new debt added to the plan, but I know that can take a few weeks, but in the mean time im absolutely terrified. I dont have that much money, it would take me years to save that much money, I don't have possessions worth even a quarter of the amount they're after.I really don't know what to do now, Im scared to go out incase they break in while im gone, I cant answer my phone or the door. I have no family to ask for help, Im just so confused.