Hi
Ok this is my first time on here. Im hoping someone can tell me what to do or at least where to start.
I have debt with Lloyds. A loan, credit card and overdraft. Also a debt with Littlewoods.
I owe just over £10,000 on my Lloyds Loan. £72 on Lloyds Credit card and £5500 on My overdraft.
My loan hasnt been paid for over 9 months, but for some reason im only £97 in arrears. I dont have payment protection and cant afford the £350 monthly repayments anymore. I have called them but they have told me there is no option but to repay the required monthly repayments.
My overdraft is actually for £5000 but Ive beenpaying off £200 some months, but what with daily fees, its never going down. Ive received a letter from Lloyds which is an enforcement notice. It states I have to pay £528 by the 5th October plus daily interest. If I dont it will be passed to solicitors who will reclaim through the courts. Also I have rang up for a settlement on this, which they have told me is not available and that it has already gone to solicitors. Even though it stated it would be passed over after the 5th.
My Lloyds credit card is £70 but I have never received a statement for this. I transfer what I was told was the full balance to a different card 12 months ago. I have never received a statement, first thing i knew of this was when I received a phone call at the beginning of the weekand suddenly i have received a statement today in the post stateing i owe £72.
I owe Littlewoods just over a £1000, I do not ever remember signing a credit agreement with them but they has offered me a £90 monthly repayment with 0%interest. Which I have accepted.
I have just over £3000 that family members will let me have. I would ideally like to get the debt with lloyds settled with a settlement figure. but I dont know how to go about it.
I lost my job at the end of last year and I was on £30+ a year and unfortunetely have been left in debt by an x. - Lesson learnt there! Now I am on a basic of £12,000 plus comms. I work nearly 6 days a week 60 hour weeks and my rent is £400 a month and a car is essential with my job.
Please help my Im really struggling to know what to do. I have next week off work and am keen to do anything i can to sort this out.
Any advice would be greatly appreciated.
Thank You