Im getting extremely frustrated and need some advice.

We have a joint debt of around £10600 now for some that may not seem alot but its starting to worry me, my partner has been over his overdraft for the better part of this year so trying to do the good thing I tried to help him out by using the credit card. Yet after doing this a couple of times he still gets himself into his overdraft and its swallowing up his money.

I am staying on top of my own money and I am pretty much paying most the bills despite the fact I earn less. I am paying the credit cards (only the min) and my have my own loan.

Can anyone suggest what we should do to get on top of this.

Hi MinaC

This is quite a tricky situation, with a joint acccount you are not only liable for half but all the amount owing, especially if anything happen in the relationship and he leaves and can't be contacted. Do keep your accounts up to date and as clear as possible.

It would seem that he is willing for you to do more than your share and is not taking enough responsibility for himself. He needs to take stock of his income to outgoing ratio. I presume he is not a teenager as he has managed to get into this situation, so should grow up.

I may seem hard, but I have been in a similar situation, I did get help from Consumer Credit Counselling Services, they don't charge for help, unlike some of the other debt help agencies. Check them out, there must be a website for them. Better to act sooner rather than later, when it could get worse.

I hope you get something sorted soon. Again, sorry if I seem harsh, I don't want to make your situ any worse, but as I said I've been there and it's not a good place to be, the sooner out of it the better.

Thanks for the advice, im not sure that I explained it well enough, the one thing I made sure of when we moved into together was to not get a joint account I believe that they can be more trouble than they are worth,

We both have a loan each and together by helping him the credit cards, have notched up. The thing I am trying to work out is how to get him out of his overdraft as we will be able to live comfortably if we achieve it.