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hi,
having problems paying my credit cards,i am now using them to pay eachother,i have a mortgage and a secured loan and pay csa which i can afford,but my credit cards have got out of control and can not pay them off,already owe about £15000,i have endured a loss of 33% in pay cuts and have to use my cards to live and pay the minimun balance,is there anyway out of this mess???

Hi Christopher and a warm welcome to the forum

When you realise that you are using more debt to fund the repayments on old debt it is time to take stock of your finances.

I would suggest that you arrange to have a chat with an insolvency practitioner to see what options there are available to you.

Do you have any equity in your property? And if you are paying a repayment mortgage, have you considered reverting to interest only to free up some more money on a monthly basis for your unsecured creditors?

Visit www.iva.com and see reviews on practitioners and select one or two to have a chat with. Good luck, their advice will be appropriate and free!