there are 2 charities who will talk to anyone with financial difficuties:
CCCS is one of them
www.cccs.co.ukPayplan -
www.payplan.co.ukthese two are completely free and will give good quality advice
CAB are good but here's the catch
CAB will ony deal with/ help you if you have:
1 debt of no more than £5000, they are not equipped to handle any more than that.
CCCS and Payplan are excellent and will be able to deal with multiple creditor and any amount of debt, they will sit down and complete an income and expenditure (I&E) form, from there they will be able to help.
PLEASE DO NOT USE ONE OF THE COMPANIES WHO ADVERTISE, THEY CHARGE LOTS OF MONEY
And they WILL encourage you to use any source of finance you have left, are you aware that is fraud, you are borrowing money to complete a closure or financial matters that is detrimental to the lender.
How do i know this.....i spent 12 months working with the collections department of a major credit card company