I have a mortgage of £200,000 and a house worth about £155,000. We have a homeowner load secured on the house of £48,000. We have other credit card and loan debts of about £15,000. All the credit cards are on an agreement with payplan so we only pay £1-£10 a month on these. We are not in arrea...

Hi We are in serious debt but can just afford our payments - however we have NOTHING left for food petrol and general living. We spoke to byrom and keely today and they were great but paying 78p a month to some of my creditors just seems pointless. Payplan has had good feedback - what do we do? How ...