Hi everyone would appreciate it if you can help me: I have been in debt for almost a year now maybe longer, I owe around £1300 to my contract company and catalogues and few other stuff, I am unemployed I live off jobcentre and I am wondering how am I supposed to get off my debt. I really want to clear my debt, I dont have no bank account because I have been refused I have applied for many banks but I get declined. Atm I am using my pre-paid mastercard. My JSA goes into my post office account. My credit history is really bad and I want to really clear my debt and live a comfortable life.