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At the moment I reckon I'm paying around £1250/£1300 per month without paying the credit cards or loan !

sorry , for the late reply , at the moment I'm paying £230 to £240 for one credit card , and £140 to £150 per month to the other ! My monthly overdraf...

Thanks very much for your help. I'll take your advice and arramge to see someone , thanks again

Thanks for the reply, no I've not yet entered into a trust deed and am not sure if its the way forward for me . I owe nearly £20000 between two credit...