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Thanks Graham - it is good to hear how the forum has helped others. I have now spoken with a debt adviser and first steps taken... Feels very strange...

Thanks so much for you all getting back to me. It would be good to speak with someone and look into this - need to get myself working towards being s...

Sorry David, I forgot to add that I have no assets. I don't have any defaults either as pay the minimum via DD each month.

Thank you both for your replies. My current debts, I believe, stand at around £35K. A mix of a loan, credit cards and OD. It would be good to speak...