Thanks for replying. My main creditor is Lloyds Bank, I have 2 loans totalling £14k with them, plus a credit card of £5500 plus an overdraft of £800. I have a loan with Citifinancial of £8000, plus credit cards with Virgin, Barclaycard, Morgan Stanley, Tesco, Sainsburys and the Post Office, all with...

Hi there, I've finally plucked up the courage and taken my head out of the sand and decided to sort my dreadful finances out! I'm about 53K in debt and have been robbing Peter to pay Paul for months now but have finally run out of credit card cheques (and credit!) I've just got a few queries before ...