Hi

My circumstances can be summarised as follows:

Debt: £24,772
Take home pay: £1370

I have no surplus income after everything has been paid.

Contacted Step Change, advice was for me to contact all my creditors and ask them to agree to a payment suspension.

This was because my last 3 payslips were £1461, £2101 and £1471. Average of £1677 and this was used as my take home wage to determine what surplus income I have.

This is a fictional figure. My wage from this point will be without any additional payments as overtime was stopped and will not be returning.

Step Change spent an hour discussing options for this fictional surplus income.

It was surreal.

I called Trust Deed Scotland and they said Step Change should have taken me through MAP/Sequestration options. Having said that, Trust Deed Scotland advisor was honest that they don't manage or arrange anything other than Trust Deeds or DAS.

Step Change advised I should wait for 3 months until I can show payslips reflecting my £1370 take home.

I pointed out that even the fictional take home was low enough in relation to this non existent surplus to proceed with Sequestration as it would take 20 years to pay back my debts with this surplus, Step Change said I wouldn't be able to go through with Sequestration just now.

Therefore I find myself in the uncomfortable position of being nearly £25,000 in debt and no solution available to me.

I have almost zero energy left, no willpower and all I can think about is despair.

I don't know what to do. I need help but it seems impossible for me to get any.

I am so sad beyond words.