Hi John and welcome to the forum The first step is to conduct an appraisal of your financial situation, with a view to determining exactly how much you can afford to pay creditors each month, having allowed for all household and general expenditure. Your debts are not enormous in the great big sche...

Hi All, I've found this forum today and am thankful that I can now at least start talking to people about my financial issues and to get advice on what to do etc. I've got debts all over the place and i've just maxed my 2nd overdraft. Debts are as follows: Northern Rock - £7000 loan (repaying at £10...