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nicandy1821
Starting Member
United Kingdom
1 Posts |
 Posted - 14 October 2009 : 17:03:46
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| Help. I have a loan with Natwest for £20,000 and an overdraft of £750.00. I also have a £3,300 debt with virgin. My wage goes in my bank every month which takes £750 for my overdraft, i pay £378 for the loan and £100 for virgin. When all my bills for rent, council tax, gas and electric have come out i hardly have anything left. I am also always in my overdraft. Can anyone suggest what I should do because I am getting really upset and stressed about it all. Thanks |
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In 2 Deep
Junior Member
United Kingdom
161 Posts |
Posted - 14 October 2009 : 17:33:45
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Hi Nicandy,
Rather than initially looking at BR, why not investigate proposing an IVA? Have a look at the sister site:
http://www.iva.co.uk/forum/
I would contact a number of IPs and then decide which route is best for you. If you have disposable income after paying all your essentials (not cards / loans etc), then maybe an IVA would be more suitable.
Good luck.
quote:
Originally posted by nicandy1821
Help. I have a loan with Natwest for £20,000 and an overdraft of £750.00. I also have a £3,300 debt with virgin. My wage goes in my bank every month which takes £750 for my overdraft, i pay £378 for the loan and £100 for virgin. When all my bills for rent, council tax, gas and electric have come out i hardly have anything left. I am also always in my overdraft. Can anyone suggest what I should do because I am getting really upset and stressed about it all. Thanks
Treat EVERY Penny as a prisoner. |
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Melanie.n
forum expert
United Kingdom
1282 Posts |
Posted - 14 October 2009 : 18:16:41
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Hi there
as In 2 deep states you would benefit from speaking to an Insolvency Practitioner (one who does not charge!) who will go through all the options with you, your best bet is to have a look on IVA.com and read some reviews and make your selection there, or feel free to contact me and i will look at your situation in full and provide you with all the options open to you, and leave the decision for your chosen solution up to you...I do NOT PUSH or SELL a solution just take pride in ensuring people have access to the right advice which is importantly FREE!
Melanie Nicholas
28 years insolvency experience - 23 of which in the Insolvency Service
- Insolvency Manager
Jones Giles
email me at melanienicholas@jonesgiles.co.uk
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Jane.l
Average Member
511 Posts |
Posted - 15 October 2009 : 09:45:20
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| I think you should open a new bank account not linked to any of your creditors and get your wage paid into it, then you can start to take control of your income and plan what your next step is |
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Help. I have a loan with Natwest for £20,000
