I am at my wits end - any and all advice would be greatly appreciated.
In my youth I was an idiot (25 now) I got into the trap of credit card then more then loans to cover the cards then loans to cover the loans.
I have between 13-15K of debt across multiple cards and loan companies.
I was barely keeping my head above water and then I was forced to resign due to my mental health and subsequent breakdown.
I am prescribed meds
- see doctors weekly
- under psychiatric care etc.
I am claiming ESA (first benefit in my life)
however my debts are approx £850 month and therefore I cannot under any circumstances afford to pay.
I have tried StepChange but the results were rather confusing
- saying I am un-eligible or do not fit any criteria.
So please...Any advice on my situation?
I am beyond disappointed in myself
- and would love to amalgamate all debts into one 'affordable' monthly payment.
Thank you in advance.