Hayley.
why didnt you speak to the people you owe the monry too.
I frequent
www.moneysavingexpert.com The owner of the site says going to the loan companies is not a good option, and you should always check that you cant start a payment plan with the credit companies first.
I personally am in Shite loads of Debt infact £7000 and thats all mine. My OH is really good with money where as i am totally kak. (OK I'd like to mention here the debt is not totally my fault infact its a very very very long story)
Anyway point is i couldn't pay it all back and was regularly getting peanalised for not completing the minimum payments each month. So i phoned up each of the credit card companies and explained the situation I was put on a different payment plan with each of them. i pay x amount each week via standing order and thats it. i can regulate the payments if i need to but as long as the minimum payment is covered i can say take off the extra £10 and put it on something else.
Trust me if your anywhere as bad as me i'll give you a massive HUG but the fact you mentioned you had already paid them off once makes me think i can sit here and say there's always someone more worse off.
I`ll give you a call...
..invite you round for a cup of tea
...but beware I am no real good cook...
..we can talk about it...
...go for a beer....
I am so sorry I can`t do anything more for you...
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