Contacted Stepchange, considering DMP, afraid of Shop Direct etc continuing to add on interest and late fees, have been charged hundreds over last few years, if I can get any back that would help.
VISA 5300 no missed payments
ISME 1600 (570 in arrears, not making min payments at moment)
FIFTY PLUS 440 (100 arrears)
CAP ONE 200
CAP ONE 190
Income 1150 mthly. Basic outgoings 900, min payments 320.
Am thinking of paring food, etc right down to £25 week just to try to get rid of the catalogue debts. They are already phoning every hour or