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Now down to : Credit Card 1 : £38 Credit Card 2 : £72 Total : £110 and falling

Credit Card 1 : £360 Credit Card 2 : £172 Credit Card 3 : £0 Currys/Creation account : £399 Total : £931 and failing.

Credit Card 1 : £232 Credit Card 2 : £150 Credit Card 3 : £445 Currys/Creation account : £422 Total : £1249

Credit card 1 - 188 Credit card 2 - 83 Credit card 3 - 447 Currys/Creation account - 422 Loan 1 - 240 Loan 2 - 81 = 1461

Awesome news

Lol - It's like a menu which only gives a number as a price. Luckily it is single pounds.

Well the pension lump sum paid off a chunk of it leaving : Credit card 1 - 15 Credit card 2 - 190 Credit card 3 - 500 Currys/Creation account - 465 Loan 1 - 350 Loan 2 - 105 Debt Collection Agency - 505 = 2130 Not too terrible now.

Looks like the Financial Conduct Authority is after me ! " LEGAL NOTICE OF ATTACHMENT OF EARNINGS Greetings ,this is Evelyne Dewolff from FCA (Financial conduct authority). Hope you are doing properly. I just would really like to inform you that we have were given a legal complaint towards you...

Well, that's to be expected. But people are going under financially now for sure, and hopefully this thread at some point will show they are not alone and that it is not hopeless.

My favourite quote.

Yes, I know about the £4K limit on future tax free contributions to my pension. The plan is take the 25% lump sum and put the rest into flexible drawdown but set the drawdown to zero while I work. If ever I do have to take the drawdown for an emergency then I'll just have to limit pension...

I am wrestling with the dilemma of using some of my tax free lump sum in August to zap all my remaing debts/some of my debts/not at all. I won't be retiring for a few years and will still be paying into my other pensions until then, but that lump sum is a tempting silver bullet, although I get...

A remorgage years ago got rid of about 40K. ~10K in bonuses all going to the debt over the years, and painful regular payments. The target is now to pay off the overdraft, and the 3 loans by the end of summer, and then close 2-3 credit cards before year end. After that see where I am with...

Thanks. I imagine there are a lot of people going under right now and I bounced the thread to show that there is hope after a few years. To illustrate, 16 years later my £59K debt is now 'only' £6600. :)

This is your Ghost of Christmas Future, young man. Your debts will fluctate but never really leave you. Tough times ahead, especially in Winter 2022/3 which you'll be glad to see the end of. But, although tough, your magnitude of debt will be much less by 2023. 16.5 years later : Credit...

Too much Credit card 1 - 7k Credit card 2 - 10k Credit card 3 - 3K Credit card 4 - 6k Credit card 5 - 5k loan 1 - 3k loan 2 - 10k loan 3 - 15k = 59K But ... all ok, as the house is worth 350K, and outstanding mortgage is 160K Remorgage going though, on a better rate, which clears all the...