Hi I have a total of £38,000 of debt in my name in addition to £8000 in my mother's name which I MUST also repay each month. I am currently subject of a DMP however this is going to take me until 2021 to repay and I am left with virtually nothing to live on each month after essentials (I am not ex...

Oh sorry I forgot to add - I realise tat £190 per month payment to credit card is a lot however it is because the interest free period is over and my mum is unable to get any 0% cards now due to her having retired and having other debts so we are stuck with the Virgin card which is ridiculous paymen...

Thanks everyone - I am with CCCS at the moment with my DMP who allow me to make the £190 payments to Virgin for my mum's credit card and perhaps that's why they havent suggested an IVA because I have made it very clear that there is no way that I can not pay this each month as my mum is on a pension...

Hi all - I have just registered so forgive me for any mistakes or dumbness as I am new to all of this! I am looking for some much-needed advice to try and help me get out of my current situation and feel like there is a point going on with my life coz at the moment it really doesn't feel that way n...