A few years ago (young and very foolish) I got into debt over my love of nice cars. I now no longer have the cars and on top of a few other debts I am in a financial mess.
I have been working very hard for the last 2 years now to pay off as much as I can and have managed to reduce my debt from 24K (a year and half ago) to 9K as it stands today.
Lately however my family and I have had unbelievable bad luck with domestic appliances and cars breaking down.
On top of this we have had to take on a childminder for our young son 3months ago and this has tipped us over our limit.
Before this we were living right on the edge of our income but now we are incurring more and more late fees and bank charges as the months go on.
I have a fairly well paid job but until I can clear some of my debt we live a very poor quality of life.
If i could consolidate my debt into one payment it would make the world of difference.
My credit rating is now very poor and so nobody has been able to help me.
My debts are secured (Hire Purchase agreements etc) and that 9K is costing me 1K a month!!
Can anybody please offer some advice.