Lets get one thing straight, you are not the only person with money issues! There is over £200 billion unsecured personal debt in the UK and you cannot be responsible for all of it. 

The world economy relies on people borrowing money and sometimes we can't pay it back as we first intended and that is why interest rates are as high as they are to compensate for when this happens.

Lets face it recently some of the larger financial institutions have found themselves in the same situation as you may be in now! Maybe they should have practiced what they preached or should have come to us for counselling. We hope the information contained on this website will be useful to all. Some of the advise contained within is common sense and you may well say "Why didn't I think of that".  

Other advise may well be information you didn't know existed or did not know what it entailed such as how does a Debt Management Plan work, an IVA, a PTD (Trust Deed) or Bankruptcy?