Hello.

i am in need of some advice and dont know where to turn.

I currently have a fixed rate mortgage until october 2010. We currently pay £1300 per month. I am struggling to live on a month to month basis at the moment due to maternity leave have racked up credit card debt.

I am back working again but now am only managing to pay minimum to debts and none of my balances are getting cleared. We are also incurring bank charges monthly now as a resort.

I have queried my mortgage company about a payment break but they are unwilling to do this and a change to interest only would only save us £100 per month.

Can anyone advise of an option to help?

Thanks
LC