I have got myself into a mess.
About 2 years ago I defaulted on credit cards, payday loans and catalogues.
I them buried my head in the sand. I am now being contacted by nervous debt collectors.
I am suffering from depression, uncontrolled diabetes and cyclical committing syndrome. I have a teenage daughter with congenital heart disease and severe anxiety. She is in college but unable to work due to her health.
I claim wftc at the moment.
Payplan have advised a DRO and Stepchange have advised token payments. I realise this is a mess of my own doing and want to put things right.
My surplus income is 6.75 a month.
I have a liability order for CT and am in rent arrears.
I have no assets.
So far I have let myself be persuaded to pay 20 a month to Bryan Carters for the catalogue debts due to him sending LBA. I also pay Lowells 7.00 for 2 debts totalling 800.
They want copies of my prescriptions!!
My total debts( about 50% made up of charges) are around 6000.
I am tired and stressed, my daughters heart Is getting worse and she will need surgery soon.
I have a non connected bank account. No DCA has my phone number.
Please help I don't want a DRO, I want to pay something but the minimum so that my illnesses and my daughters illnesses don't deteriorate. We can't live without food!!!!
Thank you I am a genuine can't pay even though I buried my head, it was through fear