Hi, Another newbie here, and I never thought I would become this desperate but having thoroughly read through a lot of people's own issues I get the sense that I am in the right place. I really need help to understand the options I have - So I will give you a bit of background. I lost my job in September 2012 and it has taken till June this year to start a new job. In between that time being on benefits for the first time in my life, all my bills became a nightmare - I have the following debt: LloydsTsb Overdraft £1224 - which I have a reducing overdraft payment of £13 per month LloydsTsb Credit Card £17,471 (was £15,000 but couldn't pay the minimum and it has stopped at £17,471) LloydsTsb Loan: £14,977.33 unsecured - now with Wescot as of today 20/07/2013 as a letter has arrived with the 'instructed by our client to collect the outstanding balance on their behalf' When I lost my job I went to my bank manager to see what she could do and it turns out she joins the same foreign call centre queue I would have - after 30 mins we agreed the reducing overdraft payment of £13 - but the rest they wanted £200 for the loan £200 for the credit card - and I was on JSA of £307 per month so that was never going to happen I wrote to the LoydsTsb Credit card and loan sections saying I would come to arrange when I had employment - they have never written back until Moorcroft got involved - I filled in their online Income/Expenditure sheet and of course being on benefits it didn't help them - that was in March 2013 since then nothing until today with the same loan but Wescot - I have got a very good job now (in 2nd month) and would be happy to be in some arrangement however my brilliant landlord has rent arrears with me of £1,800 and I have given him priority as well as my retired parents picking up the slack from benefits of £3,000 over 8 months so I wish to pay them off first. I really do not want to put my new job in jeopardy as my new employers are brilliant but they would not take any CCJS or debt letters well in fact I know that if they felt I couldn't manage my debt and it came to their notice I would loose my job. I rent my my house - I have had to open a monthly paid ThinkMoney account as my all my (empty!) accounts are with LloydsTsb and they originally notified me that if I had any money in any of their accounts they could take it to pay down my debt. I really would appreciate advice on how to reach a satisfactory conclusion keeping my debt within my control rather than it going to court and having my employers involved - I have no real assets except for bits of furniture and a 12 year car - and I earn £1,800 per month net as of last month's first paycheque